I will answer your question when you finally answer the question I had previously posed to you on another thread, would it be fair for the government to remove legal protections that creditors had relied on when they entered into billions of dollars of debt contracts?
Answered on the other thread: I dont see how this change in rules is different than many many other bills (eg tax law changes) that impact people. We dont always grandfather.
Besides, people are on alert, they have 6 months to get their things in order. if they are in bad shape, file now before the rules change.
It seems reasonable.