Members of the National Association of Consumer Bankruptcy Attorneys believe the bankruptcy law overhaul has made the process more costly and complex, without making it more effective. "In practice, the new bankruptcy law changes have proven to be a nearly total bust in terms of what the proponents of the change had forecast," said Ike Shulman, a California bankruptcy lawyer and an officer with the association.

I'd like to see a wish list from the Dems. At the top for me would be to undue the bankruptcy "reform" bill from last year which has both hurt people and cost the insurance industry money. If someone is benefiting from this bill, I can't figure out who. We tried this. It doesn't work. You should have known better. Can we please stop being stupid now?

What should be on the Dems agenda?