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New Bankruptcy Laws Will Further Hurt Suffering Fathers

Fathers of divorce are often forced into bankruptcy due to the unfair "child support" orders, really "child extortion", since it is usually many times the actual cost of raising a child (sometimes 10X), and no one who does the math can claim otherwise with a straight face. These payments, which last up to 23 years are essentially a welfare system for ex-wives that the state loves because it gets a piece of the action for 18 to 23 years. The U.S. government is today paying states hundreds of million of dollars for increases in child support collections.  This would be a good thing, if these payments were anywhere near fair, but they are not.  So what has happened is the federal government has set up a system basically bribing states to raise child support.  Some say these payments between different branches of government are illegal and unconstitutional - but no one really cares because no one is liable for this violation of the law.  This increases the judicial staff, and funds more of the same. We have created a monster here.  Today, with the equal rights amendment, it is illegal to treat fathers differently than mothers.  After the children are in school mothers should also be working to contribute to their family's needs, not living off their ex-husband (who 80% of the time they decided to divorce. This is a travesty. It is effectively slavery for men after any divorce involving children. I is no wonder that the suicide rate of men after divorce is more than ten times that of women, because the system turned them into slaves for life to their ex-wives.

This legislation is being pushed through by strong lobbying groups for credit card companies, who wish to give away more credit (even when people should not get it), this is called "predatory lending", to milk the unfortunate for extremely high interest rates and fees forever, as soon as they stumble.  A "7% for life" deal becomes 18% or 23% overnight if they are late one day on a payment.  This will just allow these companies to do more of this and force people into untenable financial situations where they can raise the interest rates at will and kepp people paying them for years.

April 4, 2005

Dear Friends,

The time has come to tell Congress that Americans won't stand for bankruptcy legislation that hurts families.

Contact your representative today and urge him/her to oppose the bankruptcy bill when it comes up for a vote this week.

This week, the House of Representatives is expected to vote on the Bankruptcy Abuse Prevention and Consumer Protection Act (S. 256). This Act will harm families and the elderly. The Senate has already passed this bill and President Bush plans to sign it. It is urgent that you contact your Representative today and ask him/her to protect families, not creditors, by opposing this bill!

The bankruptcy bill is a misguided attempt to "reform" the rules governing bankruptcy in America. The bankruptcy legislation will force more debtors into inflexible five-year repayment plans. Most people
turn to bankruptcy as a last resort, having already paid creditors thousands in interest and fees on top of the repaid principal. Five years is a long time to put debt  payments in competition with households' other obligations, suchmedical care from illness or injury.

If you have a credit card in your wallet, you've got a problem with this bill. With the threat of consumer bankruptcy defused, issuerswill have no reason not to escalate the fee and penalty wave they've been riding to record profits in recent years.

We need your help to send a message to the House that Americans won't stand for changes to bankruptcy laws that hurt families, seniors and our troops.

What You Can Do

    1. Email your representative today!

    2. Follow up with a phone call at 202-224-3121 and urge him/her to
oppose the bankruptcy bill. See a sample script below. Not sure who
your representative is? Click here to find out.

    3. Urge your friends to take action by forwarding them this info.

    4. Stay on top of this issue.

Thank you for taking action!

Michael Burns
Founder/Executive Director
Dialogue on Sustainable Community
Chicago, Illinois



When you call your representative's office you will speak with a staff
assistant who is tasked with recording your views and sharing them
with your representative. If you have a personal story to share about
your experience with bankruptcy, or that of a friend or family member,
please share it.
Nothing is more powerful than a personal story!

CALLER: "Hi, my name is (name) and I live in (hometown). I'm calling
to urge Representative (name)
to oppose S. 256, the Bankruptcy Abuse Prevention and Consumer
Protection Act." 

If the staffer asks why, you can say:

"S. 256 will hurt families, especially the those who have been through
a length divorce, medical treatment, elderly to care for. If this bill
becomes law, it will make it harder for families suffering from job
loss, divorce, or medical catastrophes to start over, save for
retirement, and meet future emergencies."

STAFF: Assistant will either state the representative's position or
offer to pass along your views.

CALLER: "Thank you. Please let Representative (name) know that I'll be
watching this vote carefully."

AFTER YOU CALL: Take a quick minute to tell us what happened when you
called by sending us a note at: