Some are, some aren't. I've had several pretty bad cases of uninsured people with large amounts of debt pop up now.

It looks like people who have been idly considering filing for bankruptcy have been spurred into doing it by the new laws. Usually I have to nag and cajole people into bringing in documents, but now they're much more prepared, since they know they have to file by the 17th.

I files six cases this week, compared to six in a normal month.