In their zeal to promote bankruptcy reform legislation, bankers and their consumer lending allies have dumped a flood of supporting documentation on Capitol Hill.

They may have muddied the waters more than anything else. Their avalanche of research reports mainly aims to prove that most debtors can repay more than they have been required to. But the various studies reach differing conclusions about the costs of an allegedly out-of-control bankruptcy system, and about the problems' root causes.

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