Depending on the type of BK you are filing, wither liquidation or reorganization, I think the author is referring to the stricter limits on BK which appear to be affecting the poor filers. I believe that many BK rules which were already in force are now being enforced under the Obama administration for recent BK filers. Although I don't think they should target the poor, this is the 1 thing B.O. is doing right. Our country should have been tough on Bk filers all along. Too many people live beyond their means, rack up debt, then file BK. Enough with it. It hurts everyone. When they default on their credit cards, the good guys get fees and interest rate hikes. We should go back to debtors prison.