a. What reason (give one) or justification does the United States give relief to a debtor to not pay their debts? b. What justification (give one) would creditors have against giving relief to debtors? c. How do you see the balance between creditors and debtors in our present Bankruptcy Code? (More in favor of the debtor or the creditors?) Should it change or not? Why or why not? To assist in answering, consider: 1. major reasons for bankruptcy. 2. who is in better position handle the loss of non-payment of the debt -- the debtor or the creditor?