As congressional efforts to reform the consumer bankruptcy system move into high gear this week, creditors have released another study to buttress their call for a needs-based system.

The study-the third this year sponsored by Visa U.S.A. and MasterCard International-finds that the proposed needs-based system would require 15% of consumers who currently eliminate debts under Chapter 7 to repay a portion of their unsecured credit under Chapter 13.

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