Talk about not wanting to be accountable. Part of the trick is to write these things so as to be incomprehensible to most people. One thing that struck me is the sense of intense lobbying that must have gone on by credit counseling agencies. They successfully got their fingers in the pie. I wonder if the debtor has to pay their fees, which will come off the top, count on that, and if payment in full will be required before the debtor has any hope of a discharge (bet it will).
Bet it will too
Speaking of credit counseling ... The folks up on the Hill remind me of teenagers with mom & dad's credit card