Used to be that filing for bankruptcy was a humiliating admission that you couldn't manage your financial life. When you do that you stiff the folks you owe money to. I think it took 7 years or so to get it off your record but now it seems to be an ordinary tool in doing business and has no negative consequences associated with it. So do you admire the deadbeats who file, stiff people, move on? File, stiff people,move on?