Consider that you are placed in charge of creating the standards that would be used to determine when a debtor could walk away from debt, and when it would not be discharged. Either considering what it takes for an individual, family, or business to have a fresh start, or what is fair to the creditors who invested good faith. For your initial post, respond to the following prompts:

• Determine if it would be better if the courts were given one set of rules for all scenarios or if judges and courts were given discretion in reaching these decisions.
• Evaluate what those guidelines provided to the courts would be, and why, no matter which side you choose.