The collection strategies used by collection companies, some of which are illustrated in "Maxed Out," are unsavory by any measure and can't be gainsaid. Nevertheless, the film seems not to know the meaning of the term "Personal responsibility." The folks who get into the kinds of trouble depicted by the movie got there because they lived beyond their means, the difference between their income and outgo being financed by credit card companies, albeit at outrageous rates. Still, the debtors either knew or should have known what they were getting into.<br /><br />I agree, though, with the film's depiction of The Bankruptcy Reform Act of 2005. The act was not really a "reform," but a limitation of the rights formerly provided to debtors to discharge their debts in bankruptcy. Even under the old law, nobody who wasn't desperate sought bankruptcy protection. To narrow its protections was an outrage, it seems to me.<br /><br />Despite its propagandistic tone, one-sidedness, and anti-business attitudes, "Maxed Out" is occasionally informative and makes some useful points. Marginally recommended  if you have some stomach medicine nearby.