One of the not-so-publicized consequences of the reform: As far as legal fees go, Chapter 13 bankruptcies are much more expensive to file than are Chapter 7. According to Jonathan Alpers, Esq., and his Florida bankruptcy blogs, legal fees for a Chapter 7 filing should be in the $750 area, plus the $209 court filing fee. For a Chapter 13 filing, though, the legal fees rise to an average of $2,500, plus filing fees. Judging from the Oklahoma cases I've been examining, these dollar figures seem spot-on.
If you think that the credit-card companies and other lenders who've been financially backing this reform didn't intend this as a "convenient side effect" to make bankruptcy more difficult, you're fooling yourself. The folks at MBNA and Citibank and all the others are well aware that the more expensive bankruptcy becomes to file, the less debtors will be inclined (or able) to pursue it.
By attempting to divert more debtors to Chapter 13 cases, the reform certainly makes bankruptcy a much more expensive option.