Please understand that when a person was forced to file bankruptcy in the past his home had value. He was able to restructure his debt and save his home. Today, your home has no value so you have nothing to loose hence the Chapter 7.
All the numbers point to personal bankruptcy is up!!!! Everyone is loosing everything! Not just their dignity but their sanity too!!
Now, do you want to keep telling us that the US banks are strong and the wallstreet #'s are up. . . and yada yada yada. . .. I don't know about you but us small players in the market lost 1/2 of retirement, 401k's and are now living on savings. We have lost our savings, our business, our jobs, our homes and on and on and on and on
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