Smitty is from St$.$ Louis and is drunk. He is driving his boat in the Mississippi River between Illinois and Missouri. Due to his intoxication, he does not see another boat in the river and smashes into it$,$ causing injury to a driver from Illinois. He goes to court for trial, the jury reaches a verdict and finds him responsible for the accident, and the court enters a judgment against him for $$65,000.$ Unfortunately, he does not have enough money to pay the judgment or any of his other bills and he needs to declare bankruptcy.