I am sick and tired of sympathy for the "poor debtors" who caused this mess. There are occasions when BK makes sense, but by in large, it is being used as an OUT for irresponsible borrowers. I say crack the BK whip. Take back cars or any assets that do not involve family photos or the clothes on their back. We are allowing them to come into the court room and in many cases wipe out thousands or hundreds of thousands (when a home or business is involved). I don't feel bad if we take their car. They can go buy a $2000 beater or take the bus while they are being given a "fresh start" on everyone elses dime.