Supporters of the Bankruptcy Reform Act of 2005 argue that it will help prevent abuse by deterring people with financial problems from turning too quickly to the bankruptcy courts as a way to manage their finances instead of thinking of such an action as a last resort. The Act's detractors respond by claiming the Act makes it too difficult for people in debt to get a new/fresh start, which is supposed to be one of the goals of bankruptcy law. What do you think? Does the Act do good job in balancing the concerns of both debtors and creditors?