Richard M. Hynes
William & Mary School of Law
Associate Professor, William & Mary School of Law. Copyright 2005 by Richard M. Hynes. All rights reserved. Do not quote without permission. Please send comments
to rmhyne@wm.edu. Gilbert Baker and Doug Smith provided excellent research assistance. The author thanks Todd J. Zywicki and participants at the Cegla Center
Conference on Personal Bankruptcy in the 21st Century for valuable comments. All errors remain my own.
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