Deleting Character With Debt Trophy

[Megamannt125]

In my town I have four characters with maxed houses and all four trophies (Gold, Silver, Bronze, Jade).
I want to delete one (The one with the Silver Trophy) and start fresh.
I understand this will remove the trophy, but what I'm wondering is what will happen when the new fourth character clears their debt?
Will they get the Silver trophy, or will a second Jade trophy appear?
Nowhere on the internet can I find this question answered.

 

[Nuguns]

Ive never gotten that far in animal crossing :V

 

[xSuperMario64x]

I'm honestly interested in trying this, for science. if I do it and I get a result then I'll come back and let you know