Too many have abused this safety net (financial strategy...right, "charge!"), and now the bankruptcy laws are much tougher because of it. Now, when more people are honestly in need of it.
Watson is correct, the bankruptcy laws are much more complicated now. Nobody is able to file a bankruptcy without just cause but that doesn't stop them from trying. Just yesterday, after all the work we had done on their case, the atty I work for threw a couple out of the office because he smelled fraud. We gave them back their money and told them to hit the road.