While the bill's defenders contend that safeguards will keep the truly vulnerable from being stuck in an endless cycle of debt, critics like Maureen Thompson remain skeptical. She notes that additional paperwork requirements are likely to create problems for the poorest debtors. "There are going to be a lot more pressure points for creditors to challenge you, and if you don't have the money to hire a lawyer to defend you in court, what are your options? " she asks. "What are you going to do? You're going to go underground and work off the books, so nobody can garnish your wages. It's not going to be pretty."