The United States bankruptcy code was recently changed to make it more difficult for debtors to discharge their debts. The increasing number of cases where people simply wanted to clear their debts rather than enter into repayment agreements prompted these changes as a way to make debtors more responsible. The amount of debt that creditors had to simply write-off was beginning to cause problems for the economy as personal financial responsibility was at an all-time low. As a result, Congress enacted the first major reform in the bankruptcy code in almost three decades.