The article discusses how Congress changed bankruptcy laws in 1984 to prevent some debtors from abusing the system. They found that some people were getting rid of debts they could actually afford to pay back. This led to a proposal that debtors who can pay a reasonable amount of their debts should not be allowed to file for Chapter 7 bankruptcy. Instead, they should use Chapter 13 bankruptcy. Despite these proposals, no changes were made. The study shows that the 1984 amendment to bankruptcy laws has been in effect for over thirteen years, with only one minor change made in 1986.