Trying to understand and apply the many different provisions of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) has caused people to yearn for the "good old days." At the National Conference of Bankruptcy Judges' (NCBJ) Annual Meeting in San Antonio in October 2005, there was a lot of talk about the "good old days" and some singing "'bout the good old days" at the NCBJ "Final Night Dinner" by a larger than life (at least as large as Sally Struthers), Wynonna Judd. And this has caused me to remember a daytime television show from my good old days: "Who Do You Trust?" BAPCPA is like this comedy/quiz show in (1) the poor choice of words in the title, and (2) the focus on whom is to be trusted to answer questions. The title "Who Do You Trust" is obviously grammatically incorrect. It is equally obvious that whatever BAPCP A is, it is not, as the title states, a "consumer protection act." Each afternoon on Who Do You Trust?, two contestants who did not necessarily know each other would decide which of the two would be trusted to answer a particular question. In BAPCPA, Congress has repeatedly decided that it does not trust anyone to answer bankruptcy questions.
David G. Epstein, BAPCPA and Commercial Credit: Who (SIC) Do You Trust, 10 N.C. Banking Inst. 57 (2006).