[throwaway2037]

Thank you to share your first hand experience.

    > bankruptcy laws were skewed by GWB

Can you explain this more, including "GWB"?

[jaggederest]

GWB is George W. Bush, president from 2000 to 2008.

Relevant wiki article about the act he signed that changed bankruptcy laws:

https://en.wikipedia.org/wiki/Bankruptcy_Abuse_Prevention_an...