My reading is a bit behind, however, reading the letter published in the Dec. 18, 2002 issue, "Time to Move Past Bankruptcy Reform" by Trey Dunbar, CEO of Santa Cruz County Employees CU, hit this subject right on the head. Another letter by John Barker, CEO, Hudson River Teachers FCU, "In Favor of Bankruptcy Reform" really irritated me. The term "dead beats" is so out of place for a professional to be using. I would like to know if Mr. Barker has a "pre-screen" program for credit cards or loans? Has he read his mail recently? How many credit cards has he been solicited for? We live in a society where people want instant gratification, and life is not all that easy for a lot. Read the headlines Mr. Barker. I bet you are feeling very fortunate that you have not been laid off and probably earn a salary that well affords you the luxuries that other people have to carry credit for. Mr. Barker, read the article on George Gekas on page 18 of that issue of Credit Union Times ("Bankruptcy Reform Legislation Frustrates Lenders, Congress Yet Again".) Mr. Gekas has also pointed out the real issues that need to be dealt with. Elayne Biron VP/Asset & Recovery Department S.F. Police Credit Union San Francisco, Calif.