The whole theory of the new law is to see how to improve people's ability to repay creditors. There's got to be a balance between relieving debt and allowing creditors to collect.

It's not like there are wrecks or anything like that. It's just that the traffic is not moving.

You're not through yet. You've got a project to finish.

Should've been taken care of 10 years ago.

I miss it already, especially with the early spring this year.

I'd hate to see the place get overcrowded. In Florida, I just don't know where you can go to get away from that. And here, I just have a feeling that when it grows, it's going to grow too fast.

Honestly it's the kids that made us successful. They had a good outlook, and we made it fun.

About 70 to 80 percent of those who could've filed before can still file without worrying about whether their income levels are too high for Chapter 7. The fallout is with people with higher incomes.