"Since they are now guarnteed their money by government;"
hogwash. Not so. Chapter 7 bankruptcy is still around. If you have a high income level, however, you will be more likely to be put on a 'repayment plan' and not a straight chapter 7 liquidate and move on.
" will the credit card companies be able to force people into bankrupcy?"
No. Almost all personal bankruptcies are voluntary actions to discharge debts.
"The reform bill will make filing for bankruptcy more difficult,"
http://money.cnn.com/2005/04/13/pf/bankruptcy_bill/