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People wait in a long line outside the United States Bankruptcy Court on October 14, 2005 in downtown Denver to file for bankruptcy on the last day before new tougher federal laws go into effect. Hundreds of consumers across the nation crowded into court

People wait in a long line outside the United States Bankruptcy Court on October 14, 2005 in downtown Denver to file for bankruptcy on the last day before new tougher federal laws go into effect.  Hundreds of consumers across the nation crowded into court