DebtFreeGuru.com's - Tip of the Week - Monday, March14, 2005

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The Senate is set to vote on sweeping and restrictive changes to the bankruptcy laws. This is the same bill that has been considered each session for the past eight years.

It was written by the credit industry and supported by huge donations to politicians. While it preaches "individual responsibility" and "reform", it is really designed to severely limit bankruptcy relief to consumers and to chase competent bankruptcy attorneys from the field.

The bill restricts Chapter 7 bankruptcy relief to debtors with incomes above the state median with the announced intention of pushing them into Chapter 13 repayment plans, but then allows the IRS(!) to determine how much money they can pay for housing, food, clothing and transportation in a Chapter 13 plan, irregardless of local costs of living or family circumstances. Many hard hit families will be unable to save their homes or cars if this "reform" passes.

While the federal government borrows money at an accelerating clip, consumers with credit card debt will be denied bankruptcy. A Harvard study found that medical bills lay at the heart of nearly 50% of all bankruptcy filings. Lobbyists shamelessly create the myth of the $400 bankruptcy tax on American families and defame those needing bankruptcy relief as cheats and slackers when bankruptcy usually follows on illness, divorce, or unemployment. Profile of the typical bankruptcy filer.

Credit card companies are more profitable than ever , yet the credit industry howls "abuse" when the consumer reaches the end of their financial rope.

Time is short

Make your voice heard in Congress by telling those who are supposed to represent you that you oppose S. 256 and its elimination of bankruptcy relief for a large segment of consumers. Especially important Senators.

The bill

·     text of S. 256

The money for the bill

·     OpenSecrets

·     Motley Fool

The opponents

·     American Bar Association

·     Law Professors

·     Nat'l. Association of Consumer Bankruptcy Attorneys

·     Consumer Federation

·     Physicians

·     UAW

·     National Womens Law Center

·     Chapter 13 Trustees

·     45 Other organizations

The press

·     New York Times

·     Los Angeles Times

·     Baltimore Sun

Letters to Congress

Means test in poor states

DebtFreeGuru.com - Tip of the Week - Monday, March 14, 2005

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