While there are people for whom this is an easy ride, for the vast majority, bankruptcy is not an easy ride.

Most people are too scared to ask their medical provider for help. They're afraid that if they ask ... that the next time they have a problem that they won't be able to go back.

The majority of people say they have lost everything. I've seen kids with no shoes.

Lots of people see the opportunity to make lots of money off the backs of consumer debtors, and that should make people extremely cautious about this.

The majority ... who want to see it believe in what we're doing and believe that moving forward in history is a much better place to be than staying in the past.

There are huge inaccuracies in the data that appear in these reports.