Bankruptcy : dealing with financial failure for individuals and businesses / by David G. Epstein, George E. Allen Chair Professor of Law, University of Richmond School of Law ; Bruce A. Markell, Visiting Professor of Law, Northwestern University School of Law ; and Jeffrey A. Stoops Professor of Law, Florida State University School of law ; Steve H. Nickles, C.C. Hope Chair in Law and Management, Wake Forest University School of Law ; Lawrence Ponoroff, Samuel M. Fegtly Chair in Commercial Law, the University of Arizona James E. Rogers College of Law.