And consumer interests still see the work as unreasonably hostile to debtors.
Don't write to individual debtors if historically letters have had no effect on them but other methods of collection do.
Until 1978, the American bankruptcy process was less forgiving to debtors, turning their operations over to outside trustees.
VAs can also apply to individual debtors as an alternative to bankruptcy.
"Congress needs to send a message to wealthy debtors that it's time to pay their bills."
"Many of the bill's provisions are unfair to middle- and low-income debtors," the Administration said in a statement.
The Assembly passed a law of replevin that was extremely favorable to debtors.
Slow growth and high interest rates could be deadly to debtors, especially in the third world.
One reason is that courts have an incentive to make themselves attractive to debtors, who control the place of filing.
The means test would not be applied to debtors who earn less than the median income in their state.