will harm a lot of individuals who need a new start.

That's not true of ethical agencies. Any ethical agency will check what brought an individual into debt and perhaps refer that person to a bankruptcy lawyer or to a local bar association.

If creditors handle this appropriately, there could be more people helped with debt management programs - but they will need that break on principal,

We expect that many of these people will be in very deep trouble by the time they come to us,

These types of properties are hot. Because of this strong market interest, it's an excellent time for Burger King.

They're like loan sharks, but they don't break legs.