Bankruptcy reform benefited "banks, credit card companies, and other creditors" who lobbied for the reform because they bear the loss when debts are discharged through bankruptcy. According to a 2009 article in "Berkeley Business Law Journal", as a result of BAPCPA, "although bankruptcies and credit card company losses decreased, and credit card companies achieved record profits, the cost to consumers of credit card debt actually increased. In other words, the 2005 bankruptcy reforms profited credit card companies" and "increased the costs and decreased the benefits of bankruptcy to consumers." By 2007, the use of Chapter 11 as a debtor relief vehicle had eroded.