Credit card debts fall off your credit report after 7 years of nonpayment. The banker couldn't have legally collected on that debt. The Back to the Future references are fun, and it's nice to see Sabrina convince Jimmy to buy a new car. They could have avoided the plot hole buy having the shady banker attempt to collect, have Sabrina explain the fairly common knowledge about credit card debt, and have the parents sell the DeLorean to the banker so Jimmy would have a down payment, as it's hard to get a good deal with bad/zero credit, and the parents feel guilty about the credit card fraud.
But they went the distracting route instead.
But they went the distracting route instead.
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