I just want to punch this guy in the face

The doofus in this commercial takes a call from mom and tells her that while he's cut back on his spending, he's still having a hard time paying his bills.  He says this in a defeated, deflated voice which suggests to me that he's kind of hoping Mommy comes to the rescue with her checkbook.  Again.

Instead, Mommy tells Not Ready To Be Out of The House Yet loser son "I know someone you should talk to."  It's a bankruptcy attorney. 

So we've gone from "I'm having a hard time paying all these bills" to "you should declare bankruptcy" in 2.5 seconds flat.  I hope Beverly or whatever this attorney's name is suggests that Doofus just admits that he can't afford his own place and should move back in with Mommy until he gets his finances in order rather than royally screw up his credit rating for the next decade with a "oh heck budgeting is too much of a pain" bankruptcy, but I kind of doubt that's going to happen because Mommy and Beverly both seem to think that filing for bankruptcy is a Magic Bullet which solves every problem.

Personally, Doofus, I think that sweater is the root of all your problems.  I don't care if Mommy did make it for you special.  Stop wearing that thing.  It's dragging you down.  And stop whining to Mommy about your money problems.  You're really depressing me.