Bankruptcy Reform may be backfiring on those who funded it: banks and credit card issuers, as reduced usage and balance reduction, by those who can manage it is hurting the profit centers, while obstacles to others will, the author submits, lead to calls for revisions to protect consumers.

The erosion of civil liberties is an issue that needs more public discussion, whether or not one agrees with the Bush Administration's War on Terror and policies in Iraq, as the author does. The issue is vital to all Americans all across the political spectrum.

Certain changes in the bankruptcy laws, which were enacted 'under the radar screen' afford dramatic improvements in the rights of commercial landlords, at just the time when they might come in handiest, due to a slowing economy and softer real estate values.

Creditors, already stuck with bad receivables in bankruptcy cases are doubly outraged when they are then sued for a 'preference,' which is a certain kind of payment made on the eve of bankruptcy. Recent amendments to the Bankruptcy Code have substantially leveled the playing field.