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It may have seemed like a good idea at the time, at least for lenders: a substantially fortified bankruptcy law that made it tougher for consumers to stiff credit card companies, banks and similar firms. And it seemed to work, significantly reducing the number of bankruptcy filings…..
http://www.creditcards.com/credit-card-news/bankruptcy-filings-back-to-pre-reform-levels-1282.php
article by Martin Merzer, from creditcards.com