What is a fly by night kind of guy?

The term "unreliable" refers to a person or entity that cannot be trusted or relied upon to fulfill their obligations or commitments consistently. This attribute can be applied to various aspects of life, including financial matters.

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In the context of finances, an unreliable person may be one who evades or attempts to evade creditors, meaning they avoid paying back debts or fulfilling financial obligations.

Another way to describe such a person is as a "poor credit risk," indicating that lenders or creditors view them as unlikely to repay loans or debts in a timely and responsible manner.

This unreliable behavior can have significant consequences, including damage to personal and professional relationships, legal action from creditors, and difficulty obtaining credit or loans in the future.