[dennisw]

This bill would never have been passed if the economy weren't so decent. This bill has failed many times in the past but this time is the reckoning for the debtor.

Of course these scummy credit card companies (owned by banks) are to blame too and now they have the gubbermint to do their enforcing for them

[HamiltonJay]

If we had moral leaders it should not have passed regardless of the economy! This law is without question the worst piece of public policy in 30+ years bar none!