This Washington Post article features a good analysis by Michelle J. White is professor of economics at the University of California, San Diego, and research fellow for the National Bureau of Economic Research.
"Under BAPCPA, fewer non-opportunistic debtors will file for bankruptcy because they cannot afford the high costs of filing. Those debtors will be worse off because they have less consumption insurance. But opportunistic debtors will continue to find bankruptcy worthwhile as long as they plan in advance and have good lawyers."
