I'm no lawyer but it seems to me that, now the ball's back in the creditor's court, they'll move to have a full examination of Pat & Nikki's assets as the first step, and then file motions to seize or liquidate those assets to pay back the debt. I'm not sure how much say Pat would have in this but I imagine it's little to none.
Again, this complete fucking IMBECILE had the perfect chance to get off easy with a reasonable monthly bill and no bankruptcy or humiliations like having all his financials pried in and property taken from him. Now we're at the point where repomen are likely to get involved and there's gonna be serious repercussions to ignoring court orders.