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Message: <blockquote data-quote="Commercial Inside Release" data-source="post: 5533570" data-attributes="member: 93336">Laws were changed after the big bankruptcy rip-offs of the nineties and early 2000.You can no longer discharge consumer debt (unsecured, based on credit rating, rather than collateral, which can be repossessed.) Mainly credit cards, lines of credit, short term payday loans, etc.Student loans can't be discharged any more, either. The debt is "restructured" and placed as a lien that you eventually have to pay off. Basically, a modern debtors prison.Unpaid medical bills are going this route in many states, too.</blockquote>