WASHINGTON — Senators heard testimony about alleged credit card abuses Tuesday at a hearing to explore whether changes to the bankruptcy code are needed to give borrowers more leverage in negotiations with their creditors.

The hearing comes as Democratic lawmakers are pushing to tighten consumer protections on an array of financial products, including payday loans, overdraft protection and mortgages. Many have introduced tougher versions of bills from the last Congress, as public opinion has soured on big financial firms that have received government aid.

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