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To me this falls under the category of taking responsibility for your actions. Maybe I'm a heartless bastard, but you spent the money PAY IT BACK!
I'm in collections for several things, thanks to my ex, my kids, and some very poor decisions on my part, I've been offered programs similar but for me it's always been a matter of pride to actually pay them off! Heaven forbid these people be held accountable for their actions!
Granted, there are situations where the circumstances are outside the control of the people involved, but they're not getting rid of Chapter 7, just making it harder to qualify. Over the past five years I've known entirely too many people that file for bankruptcy simply because they're too lazy to do the work necessary to pay off the debts. They got 8 credit cards while their credit was still good, maxed out all of them, then lament that they don't have the money to pay them off. To me that translates to "You shouldn't have spent the money in the first place then!"
Alright alright :P /rant
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Halfway to hell and picking up speed.
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