A court appoints a trustee, which can be changed by the creditors. Discuss the trustee duties under this situation. In the meantime, the U.S. consumer bankruptcy filings for the first nine months of 2012 reached the highest level since 2005, according to the American Bankruptcy Institute. Data collected by the National Bankruptcy Research Center said filings from January through September totaled more than 1.1 million, up 11% from the same period one year ago. Discuss the reasons for this trend. Elaborate in detail and support your thoughts with valid sources.