Elayne Biron’s indignation at my letter regarding bankruptcy reform (CU Times, Dec. 18, 2002) aptly proves that not only is her “reading a bit behind,” but her comprehension of what she does read is a bit slow. Credit Union Times is not a place for rebuttal of her spurious personal remarks in her letter to the editor in the Jan. 29, 2003 issue. My observation as based on 50 years of experience, stands. Dead beats take advantage of a system at the expense of responsible borrowers, and they are aided and abetted by populist judges. If Ms. Biron wants to start a campaign to right the wrongs of the consumer finance industry, she certainly has my support. I would like to hear any proposals she might have along the lines of true reform, but I am not impressed with her goody two shoes approach of helping the grasshopper mug the ant. John Barker President/CEO Hudson River Teachers FCU Cortlandt Manor, N.Y.

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