The National Association of Consumer Bankruptcy Attorneys has released a study of over 61,000 consumers who sought credit counseling after October 17, 2005.  The study concludes that “nearly all (97 percent) are unable to repay any debts and that four out of five would-be filers (79 percent) were forced into dire financial straits by circumstances beyond their control, such as the loss of a job, catastrophic medical expenses or the death of a spouse.”  Thus, the BAPCPA may serve only to add an additional roadblock to consumers who are already in dire financial straits.  The full report, summaries and commentary may be viewed at the NACBA website.