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Category:Proprietary commercial software for WindowsThis is how it works. The federal government publishes a "ransom note" that indicates what has to happen to get the debt discharged in court. Then, the debtor signs and delivers the satisfaction of the sum to a collection agency—which typically means an attorney's office—and the debt is done.

The Senate version of the B-21 Bill makes it illegal to be in the debt settlement business.

The House version merely makes it illegal for people to pay off consumer debts with checks that are not signed by the debtor.

Similar legislation has already passed the House. Its sponsor, Rep. Carolyn McCarthy, D-N.Y., says the House passed a version of the bill last month.

President Bush has said he'll sign it.

The human cost is enormous. Banks no longer want to lend to people who are not current on their bills. As a result, people who have been preyed upon and victimized by deceptive and illegal debt-collection practices have been unable to find money to buy food, pay rent, get cars repaired, and obtain medical care. In some instances, the victims have literally been threatened with guns.

Nearly 2 million of them are children.

It's important to remember, debt is a voluntary contract. People are free to choose whether or not to enter the banking system. The entire financial industry, from borrowers to bankers to lawyers to collection agencies, know this. That's why the industry operates in a wink-and-nod fashion.

Here's a generalization. The loan sharks who make the banks much of their money are the worst of the worst. That's because they don't really care who you are. They will try to get whatever they can from you. Because if you repay, then they go away, and the banks can eat the cost.

So they tend to go after the lessor of the evils. Young and low-income people.

The debt-sett 0b46394aab

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