[Woodworker]

A very subtle change: "Permits the bankruptcy court to convert a Chapter 7 case to either Chapter 11 or 13 with a debtor's consent. (Current law requires the debtor's request for such a conversion.)"

Makes it easier to pressure some people to convert to Chapter 11 or 13.

This one sounds like "guilty unless proven otherwise"

"Provides that the presumption of abuse may only be rebutted with detailed documentation of special circumstances requiring additional expenses or adjustment of current monthly total income for which there is no reasonable alternative."

This one sounds like the blind leading the blind - Congress tell kids how to manage money:

"Expresses the sense of Congress that States should develop curricula relating to personal finance designed for use in elementary and secondary schools."

Unless you're already living debt free and mean to stay that way, you ought to check out: Dave Ramsey

[Finger Monkey]

Oh, my, I didn't think anybody would really be interested in bankruptcy reform, let alone read the proposed legislation. Wow. Most attorneys, even those who practice in bankruptcy court, turn their faces away when one mentions bankruptcy.

. . . convert . . . with a debtor's consent . . .

quite sinister, I'd say.

Of course, the people intimately associated with the current code, and the administration thereof have been dreading this (proposed amendment)for a long time, increased costs of administration. . . ah, don't get me started.

Dave Ramsey, why does that name sound familiar? I'll have to look him up.

I notice you are in the south, are you familiar with Lundin?

My daddy's a turner.