http://www.bankruptcylitigationblog.com/archives/bapcpa-yra-harris-on-how-bapcpa-has-flown-back-in-the-banks-faces-good-and-hard.html
http://www.bankruptcylitigationblog.com/archives/bapcpa-lindquist-vennums-george-singer-publishes-a-108-page-tome-with-586-footnotes-reviewing-bapcpas-convoluted-first-year-in-the-courts.html
The above articles put an interesting twist on BACAP that it has actually helped the middle class and hurt banks. HMM... it costs more to file bankruptcy, the attorneys fees are more, you have to take 2 credit counseling classes, the credit card companies will cancel your credit cards even if you don't owe $$$. You be the judge.