What does it take to navigate a system that promises relief but often deepens financial despair? On this episode of Miller Law Chronicles, I sit down with Deborah Stencel to unravel the human cost of bankruptcy reform—from the rush to file before BAPCPA took effect to the complex maze of Chapter 13. Are we really finding justice in a system that ties up our futures for years? Tune in to explore how debt, stress, and a quest for fairness intertwine in our modern financial landscape.