Creditors ALREADY have the right to challenge a personal Chapter 7.

[elehhhhna]

They can (& some do)show up @ the hearing, contest the discharge of your debt (say it's a brand-new mink coat) and get their $ or property back. Small companies who extend credit (furniture stores, etc. ) do this frequently. MBNA, et. al, doesn't find it cost-effective, so they don't do it.

This bill turns the courts into collection agencies. That's all.