Cartoons 11/1/19

[Yo_Mama_Been_Loggin]

[scheming daemons]

1. This one is spot on

And everyone on DU needs to heed it.

[NewJeffCT]

3. yes

that is pretty damn true

[Miguelito Loveless]

5. Move the Biden supporter two spots right

and then it is true.

Liberals don't engineer bankruptcy bills that screw college students, the middle class and the poor.

[Hekate]

6. In a 40 year career you can find anything you want. Joe Biden's record on the whole is damn good.

[Miguelito Loveless]

9. His failure to stop Clarence Thomas

and giving Thurgood Marshall's seat on the SCOTUS to him, set in motion a whole avalanche of bad things that are with us to this day, most damaging Bush v. Gore and Citizen's United. Add to that the bankruptcy bill and his naive "bi-partisan" fetish, and he is Center, to Center-Right (like Bill Clinton).

Just because it is fashionable today to ignore how far the Overton Window has been pushed to the right, doesn't mean we all play the game.

[Yo_Mama_Been_Loggin]

8. ...

[Hekate]

11. Way to miss the point by a mile

[Miguelito Loveless]

15. The premise of the point is that

Biden is a liberal and anyone who accuses him of misconduct is a crazy extremist.

The premise is false.

[Yo_Mama_Been_Loggin]

21. Woosh

[burrowowl]

12. I agree

[treestar]

19. That bill did no such thing

exaggeration at its finest.

Are you claiming college students are entitled to bankrupt their loans every time?

It does nothing to "the middle class and the poor."

[Miguelito Loveless]

22. It made bakruptcy much more difficult

at a time, continuing to day, when 60% of bankruptcies are the result of medical bills. It also made it virtually impossible for students to discharge a student loan with bankruptcy, at a time when student loans had become predatory in nature.

https://www.theatlantic.com/business/archive/2009/09/the-failure-of-bankruptcy-reform/26546/
https://www.salon.com/2015/10/21/joe_bidens_greatest_betrayal_the_one_senate_vote_that_makes_it_hard_to_support_a_biden_run/
https://www.gq.com/story/joe-biden-bankruptcy-bill
https://talkingpointsmemo.com/cafe/congress-emboldens-the-debt-bullies
https://www.cleveland.com/opinion/2019/09/how-joe-biden-helped-inflame-the-student-loan-crisis-geoffrey-peterson.html

I could go on, but I am guessing that no amount of proof will convince you.

[treestar]

23. It did not

It merely added having to take a couple of classes and making sure people who could pay their bills used Chapter 13. Look at the actual law, not at punditry.

[Miguelito Loveless]

26. I looked at the law

and expert analysis by consumer advocacy groups, retired bankruptcy judges, and legal scholars.

The credit card industry spent over $100 million lobbying for the bill and made sure it was stripped of any provision capping interest rates, and escalators which could pop a 10% interest rate to 30%+ after a single missed payment. The bill also did nothing to curb predatory lending practices, abusive/deceptive collections practices, or unconscionable junk fees.

The banks claimed the system was rife with abuse, when in fact over half of all bankruptcies were the result of medical issues.

The bill removed the judges discretion in Chapter 7 cases, replacing it with means resting.

It was a bad bill, bought and paid for by the banks, most of whom reside in Delaware, Biden’s home turf.

[KentuckyWoman]

24. You are factually wrong.

That bill allowed anyone with actual need to discharge debt once a couple of financial management classes are completed. Being asked to learn better money management and pay if you can isn't "screwed". That's just flat wrong.

The same bill also made it illegal for banks to change the terms of debt after the money is borrowed. It also shifted the benefit of the doubt on revolving debt to the borrower. That is a huge win for the consumer. Was it a perfect bill? No. They never are. But it is a damn good one.

[Miguelito Loveless]

25. Analysis of the bill by numerous consumer groups

including Consumer Union disagree with you. The bill did nothing to rein in usurious interest rates while making it much harder (and expensive) to discharge debts.

[keithbvadu2]

13. Ideological purity.

[NCLefty]

14. That's the one I noticed too.

[treestar]

18. Yes it is

[2naSalit]

2. Thank you!

[planetc]

4. Thank you for your service to toonaholics.

[Hekate]

7. KnR. Horsey is spot on

[Wounded Bear]

10. K & R...nt

[Gothmog]

16. Thank you for the cartoons

[Rhiannon12866]

17. K&R! Thanks so much for the cartoons!

[tblue37]

20. K&R & thanks. nt

[steventh]

27. Appreciation for the toons

Thanks for posting them.
Too bad this thread isn't on the front page.
I feel sure others would like to see these and won't because they're buried.