Absolutely not. Leave it to the US Congress to just muck up the process with ridiculous course requirements that teach you nothing and a means test that can only be understood by the Einstein’s of the world.
Here are the cold hard facts – these are the actual filings in the Eastern District of Michigan:
2010: 50,503
2009: 51,596
2008: 41,247
2007: 34,587
2006: 25,052
2005: 65,778
2004: 46,825
Clearly we file more cases now than we did in 2004 when Congress took
action to stem the “bankruptcy abuse”.