the collection strategy use by collection company and some of which be illustrate in maxed out and be unsavory by any measure and can not be gainsay . nevertheless and the film seem not to know the meaning of the term personal responsibility . the folk who get into the kind of trouble depict by the movie get there because they live beyond their mean and the difference between their income and outgo be finance by credit card company and albeit at outrageous rate . still and the debtor either know or should have know what they be get into . i agree and though and with the film depiction of the bankruptcy reform act of 2005. the act be not really a reform and but a limitation of the right formerly provide to debtor to discharge their debt in bankruptcy . even under the old law and nobody who wasn not desperate seek bankruptcy protection . to narrow it protection be an outrage and it seem to me . despite it propagandistic tone and one sidedness and and anti business attitude and maxed out be occasionally informative and make some useful point . marginally recommended if you have some stomach medicine nearby .