Sure, folks should pay their bills. But, if you're going to raise credit card rates with envelope stuffers (fine print notice in your bill that if you use your card again your rate will increase from 19.9% to 24.9%), charge over 30% for a loan on a car title or on a "payday" loan maybe your customer's potential bankruptcy should be an inherent risk. Those predatory lenders will get their pound of flesh for sure. Remember Shylock?

http://www.nytimes.com/2005/03/09/bu...ruptcy.html?th

The first pay-off was the class-action bill. Now we have the bankruptcy legislation. Federalization of medical/drug-maker/medical device manufacturer liability is next. Where's your lobbyist?