It’s extremely important to enable those who have suffered economic ruin an avenue out through bankruptcy but today many of those with means use the bankruptcy laws to defraud the less fortunate. Therefore we must insure that greater responsibility is put on those that seek bankruptcy protection. This could occur by having those who seek this protection having to pay their creditor a small amount but over a longer period of time or by services this debtor can perform to the creditor for free or at a nominal cost. It also can be a combination of the two remedies. This way we will insure that those who seek bankruptcy protection truly need it and give better protection to the creditor as a whole.