IT'S OFFICIAL: @SenSanders will deliver his own #SOTU2018 response live and on the Internet!

[Sophia4]

56. Biden has a problem with the Bankruptcy Bill of 2005 which made additional

student loans, certain government loans, no longer dischargeable in bankruptcy. That's downright cruel.

On several occasions throughout the past 15 years, the colossally powerful banking lobby unsuccessfully pushed for new legislation to tighten the rules pertaining to who can file for bankruptcy protection, and how much protection they'll receive. The first time in recent memory occurred in 2000, when then-President Clinton pocket-vetoed bankruptcy reform legislation at the request of First Lady Hillary Clinton, who had been convinced to do so by a little known Harvard professor and vocal reformer named Elizabeth Warren. Joe Biden, on the other hand, voted for the bill. Another bill in 2001 failed to pass with Biden's vote. But the 2001 bill was resurrected after George W. Bush's second inauguration.

. . . .

The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) was passed in April, 2005 by the U.S. Senate in a 74-25 vote, including the "yea" vote of Joe Biden, and was quickly signed by President Bush.

. . . .
In light of what occurred in its wake, this law is easily one of the most disgraceful aspects of the Bush and Biden legacies. The harm it did to middle-class Americans, especially during the crushing events of the recession four years later, is immeasurable. The bill made it nearly impossible for average families to file Chapter 7 bankruptcy protection, also known as "clean slate" bankruptcies intended to discharge nearly all debts, a matter of a few years before they'd need it the most. The bill instituted an all new means test to determine whether debtors with insurmountable financial hardships earned enough income to pay back all or part of their unsecured debts, specifically credit debt. If they earned too much, a clean slate bankruptcy became impossible, and they'd be forced to file Chapter 13, which would force debtors to pay back their debt over a five-year timeline, thus legalizing neo-indentured-servitude to creditors.

. . . .

Unforgivably, Joe Biden was one of the leading cheerleaders of the bill.

(More)

https://www.salon.com/2015/10/21/joe_bidens_greatest_betrayal_the_one_senate_vote_that_makes_it_hard_to_support_a_biden_run/

And in addition:

Washington is abuzz with rumors Vice President Joe Biden will soon enter the race for the Democratic presidential nomination. While a new campaign would seek to capitalize on Biden’s two terms as vice president, it would also invite scrutiny of his Senate record in a Democratic political climate notably more progressive today than it was when Biden last sought the nomination. Biden’s 1994 crime bill, while implementing sweeping gun control, also helped fuel mass incarceration with financial incentives to keep people behind bars. Biden is also known for close ties to the financial industry, notably helping push through a 2005 bill that made it harder for consumers to declare bankruptcy. According to The New York Times, the credit card issuer MBNA was Biden’s top donor from 1989 to 2010. Now, as speculation over Biden’s presidential aspirations reaches a fever pitch, the Obama administration is seeking to repeal one of his key legislative achievements. The White House wants to undo a provision in the 2005 bankruptcy law that made it harder to reduce student debt, preventing most Americans from claiming bankruptcy protections for private student loans. The administration’s effort follows the publication last month of an International Business Times exposé by David Sirota, “Joe Biden Backed Bills to Make It Harder for Americans to Reduce Their Student Debt.” Sirota discusses Biden’s role in passing the legislation.

https://www.democracynow.org/2015/10/20/joe_biden_for_president_media_buzz

A liberal would not have voted for that bill. Hillary was out of the Senate on the day the bill came up for a vote. That's from the Salon article.

Also, Biden is now 75.

https://www.google.com/search?q=biden&ie=utf-8&oe=utf-8&client=firefox-b-1

He will be at least 77 in 2020 and would begin his presidency at the age of 78.

Bernie Sanders is even older than Biden.

So much for all the fear around here about Sanders and all the support for Biden.

They are both fine men (although Biden's voting record is not so great in some respects), but I, being 74 myself, doubt that either of them will run in 2020. That's just my personal opinion.