Bankruptcy is a serious decision that people have to make. I support the bill because it simply requires that people who can repay some of their debts do so. The bill will not affect the vast majority of people -- 80 percent or more -- who will still use bankruptcy the same way that they do now. The bill targets only the people who are taking advantage of the bankruptcy system, those who can and should repay some of their debts to their local retailer or credit union.

###