part of the problem is because people can so easily get credit and then just walk away from their debt when they feel like not paying.

Thanks to our government with schemes like the current bailout plan, the concept of individual responsiblity in this country is all but dead.

I support reserving Bankruptcy for those that have been TRULY unfortunate and this means they fell seriously ill and could not work or they lost their job and used their credit cards to buy groceries to eat or feed their children. Apart from that enslave them and make them pay their FULL obligations. I have no sympathy for those that have bought $5 Starbucks lattes and now cry crocodile tears or took out loans way more they could afford since they felt entitled to own a home!