Though countless articles and news programs around the United States continue to examine the fading impact of governmental consumer support following the 2005 legislative evisceration of the federal code formerly promising financial protection to all legal residents of this country, mass recognition of the new debt relief realities has been irritatingly slow to take hold. That said, we are yet again compelled to as strongly as possible advise against what still seems to be the reflexive choice shrugged by a plurality of twenty first century American borrowers fatigued by seemingly immovable credit card debt: Chapter 7 debt relief . While a slim fraction of our woefully destitute citizens may indeed be most effectively served by throwing themselves on the mercy of their state court trustee, the odds are fiercely stacked against middle class consumers’ attempts to even qualify for the program as currently structured, regardless of credit card debt sums or other unsecured loans.