One year after the passage of a sweeping revision to the federal bankruptcy law, some small companies are prospering at the expense of overburdened consumers.The new law, which the major credit-card companies and banks long lobbied for, makes it more difficult for consumers to walk away from their debts. Among other things, the measure requires consumers to receive credit counseling before filing for bankruptcy, and makes the overall bankruptcy process much more onerous for individuals.
Bankruptcy's Big Winners
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