Bernie Kosar, the former Cleveland Browns’ star quarterback, declared bankruptcy today. It was the Chapter 11 variety. According to Patrick Danner of the Miami Herald, Kosar filed a petition that revealed he owes creditors a total of $19.5 million, including almost $1.5 million to the Browns and $3 million to his ex-wife, Babette. During a radio interview today with Tony Rizzo of WKNR in Cleveland, per Steve King of the Orange & Brown Report, the 45-year-old former NFL star discussed his financial problems. “I’ve tried to be generous with family, friends and ex-teammates,” Kosar said. “I’ve tried to help people out and let people manage things for me. I’m glad I was able to help those people and to help charities. “But I’ve got four great kids and now I have to focus on them. The money comes and goes. But God has blessed me with the ability to make it.” Per the Herald, Kosar’s restaurant -- Bernie Kosar’s Steakhouse -- went out of business last year. And Kosar has been divorced for two years. According to the report, Kosar indicated estimated assets ranging from $1 million to $10 million. However, his estimated debt ranged from $10 million to $50 million. Kosar also reportedly owes $725,000 to Cleveland Gladiators owner Jim Ferraro. Kosar is the Arena Football League team’s president. Kosar also has a lot of debt, $9.7 million, incurred through real estate investments gone bad. Kosar, who played at the University of Miami, lives in South Florida.