[Alberta's Child]

This law is intended to keep people from having their debts eliminated in bankruptcy court for reasons that have nothing to do with a hardship on the part of the person in debt. "I spent too much on vacation," would probably count as one of those.

[jimtorr]

I am nearly willing to call 28% interest a hardship. That high of a rate makes debts difficult to repay, and is sufficient reason by itself for many to declare bankruptcy.