2005 Reform Law was a failure and did not stop bankruptcy filing. It is now more tedious, difficult, complex, and costs more. Reform Law lead to surge in home foreclosures. 2 million cases in 2005 and 1.5 million in 2008. Chapter 7 to discharge all debts, now after 2005 need to file Chapter 13, repay all debts in full or part over several years. Is this the reason for smaller crowds of fans and layoff of NASCAR workers?
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