Its not the repayment provisions of the bankruptcy reform act that irk me. [View All]

[MikeG]

Its the little things they've thrown in.

- limitations on refiling cases if you screw up the first time.

- limitations of cram-down provisions we used to have. (you could limit repayment of a car loan to the car's actual value, you could eliminate a second mortgage if the first mortgage was more than the house was worth)

- regulation of debtor's attorneys.

- credit counseling for Chapter 13 filings. Huh? They're repaying anyway.

- having a debtor go to a non-lawyer first before they go to a lawyer - violates state unauthorized practice of law restrictions.