The details of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 reveal it to be a bill crafted as a Republican paean to MBNA, the largest single contributor to the Republican party. Far from being either an effort to stem "Bankruptcy Abuse" or an effort at "Consumer Protection", the bill is in fact an attempt to rewrite bankruptcy laws to reduce the ability of those laws to protect consumers from predatory lending practices on the part of MBNA members, and to stiffen the capabilities of those corporations to collect from consumers already suffering from extreme financial hardships.

"The 'Debt Slavery' Bankruptcy Bill is the most oppressive economic legislation since the Fugitive Slave Law of 1850," said Democrats.com President Bob Fertik. "It would make it impossible for hundreds of thousands of hard-working Americans to cope with an economic crisis caused by soaring catastrophic health care costs or extended unemployment. It would turn Americans into debt slaves to the credit card loansharks. What is next on the Republican agenda for shredding the social safety net: debtors' prisons and workhouses for the poor?"