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BANKRUPTCY REFORM A JOKE BUT NOBODY IS LAUGHING - - August 22, 2006
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By LOREN STEFFY
Copyright 2006 Houston Chronicle

I hope the credit card companies are happy.

After almost a year under the so-called bankruptcy reform that Congress enacted at their behest, the law has proved to be what it appeared: a love letter to lenders.

Pitched as consumer protection, it was passed after eight years of political arm-twisting by credit card issuers who didn't want to lose fees from indebted customers when they filed for bankruptcy. You may have noticed that their concern about lending to people who can't pay hasn't stopped them from stuffing your mailbox with 25 offers a week for easy credit.

"All it's done is make it more time-consuming and more complicated and, for debtors, more expensive," says Randy Williams, a bankruptcy lawyer with Thompson & Knight in Houston. "Most people don't believe that this accomplished anything that it set out to do."

For full story - http://www.chron.com/disp/story.mpl/business/steffy/4127900.html


BANKRUPTCY REFORM A JOKE BUT NOBODY IS LAUGHING



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