; (11) existing law does not provide a sufficient deterrent to predatory creditors that harm individuals and families in bankruptcy by violating consumer financial laws or failing to comply with bankruptcy rules; and (12) well-counseled, affluent debtors can avoid repaying creditors through asset protection planning. (b) Purpose The purpose of the Act is to establish a bankruptcy system that helps individuals and families in the United States regain financial stability and protects against abusive and predatory behavior by— (1) streamlining the process of filing for bankruptcy, simplifying court procedures in bankruptcy, and lowering the cost of bankruptcy for both consumers and creditors; (2) creating a single-chapter consumer bankruptcy system that allows consumers greater flexibility in addressing their debts and prevents disparate treatment of similarly situated consumers; (3) offering consumers more and better options to deal with debts, while ensuring the fair treatment of creditors; (4) making it easier for consumers to pay an attorney for counsel or representation in a bankruptcy case; (5) simplifying the identification and treatment of cases by expanding the number of routine cases that are handled by the court in which there is no chance of a reasonable payment to creditors and reducing paperwork requirements in those routine cases; (6) allowing the modification of mortgages on all residences; (7) allowing the modification of car loans based on the market value of a car; (8) allowing the discharge of student loan debt on equal terms with most other types of debt; (9) reducing racial, gender, and other harmful disparities in the availability, accessibility, costs, and outcomes with respect to the bankruptcy process; (10) ensuring the fair treatment of claimants for domestic support obligations; (11) reducing abusive creditor behavior