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Trump worrying about how it would affect a civil case seems wildly optimistic. For a whole bunch of reasons the chances of him coming out of this with any assets that aren't judgement proof and/or totally hidden are slim and none.
Once the banks cut him off, he might struggle to pay his lawyers, were he willing to find someone to take his money. If those election lawsuits are any indication the people willing to help him are so bad that default would be the smarter choice. I mean, assuming his attorneys don't default him by accident by accidently filing their grocery list instead of an answer.
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