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Newsome with the concurrence of Chief Judge Ed Carnes and Sixth Circuit Judge Eugene Siler Jr., found an attorney who advised a client to "incur more debt" runs afoul of the BAPCPA. They also rejected Kaufman Englett's argument that the law's provision is an unconstitutional violation of the First Amendment because it restricts attorney-client communication. In January 2016, Cadwell consulted Kaufman Englett in January 2016 about the possibility of filing a bankruptcy petition. After the initial meeting, he entered into an agreement to pay $1,700 in attorney

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Secondly, own their actions and decisions. They should not guarantee a debt that they are not ready and unwilling to pay. Thirdly, always negotiate with the bank to reconstruct the original deal when they suffered from financial problems. Lastly, using their exempt assets to pay off the debt, such as insurance policy and retirement fund. “Bankruptcy is not a failure.” Greenwald said, “It is a sign of hope because it provides everybody a fresh start.” There are many famous and successful people had declared bankruptcy in the past and came

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