*I just had a wild speculation:

Since America is on the brink of having 2,000,000 foreclosures this year (the subprime mortgage crises) , many people will be seeking bankruptcy this year.

The bankruptcy laws have been changed by banks who lobbied the Republican Congress GIVING DEBTORS MUCH LESS PROTECTION to those who file bankruptcy. There was a 12% increase in bankruptcy this year and about a 20% increase in bankruptcies expected this year.

Banks will buy and trade forclosed properties and delinquent loans.

*I wonder if bankrupt people will have their tax refund checks claimed by the banks as they do with student loans.