Choose Question A or B and write a 800 1100 word essay defending or challenging the statement chosen:

A.  Consumer bankruptcy is the ultimate social safety net.

B.  Chapter 11 is broken as it doesnt provide meaningful opportunities to rescue a business. 

You can rely on any of the attached materials (PDF files).  The only outside research you need to do is to find an article/story/case dealing with either consumer bankruptcy or business bankruptcy to serve as an example of the position you have taken.  The article/story/case will be part of your evidence to support your analysis.  Use that example, the attached materials and the attributes of good policy to defend your position.  An excellent answer may identify some areas where reform is needed or highlight why reforms are not needed.

Important:  None of the attached materials can be used as the example. These materials can and should be part of the analysis.

Note:  This is not a research paper.  It is an essay question, however, you should cite to any sources you use in sufficient detail.