Tom has declared bankruptcy several times, and it has been argued by past creditors that Tom's proclivity for bankruptcy is simply a mechanism to avoid paying his debts. If it is determined that the past creditors' assessment of Tom is correct, which one of the following is false?

a)Tom may be fined or imprisoned as a result of his conduct.

b)Tom is abusing the process.

c)Tom will likely be granted an unconditional discharge from bankruptcy.

d)Performing a credit check will minimize a future creditor's risk from losses suffered as a result of dealing with Tom.

e)It is unlikely that Tom will be granted an unconditional discharge by the courts.