[BritExPatInFla]

(Perhaps forbidding is too strong a word, because the credit card companies agreed to this in exchange for some favor, but I can't remember what that favor was.)

Probably bankruptcy reform, iirc they made it alot harder for those filing to avoid credit card principal, interest and fees being paid in the procedings.

[Semper911]

Probably bankruptcy reform...

You are exactly correct. Thanks for remembering and posting. I knew someone would come up with it.