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Bill could increase Georgia foreclosures

ATLANTA - Experts are warning that a tougher bankruptcy bill pending in Congress could increase the number of foreclosures in Georgia, the state that leads the country in Chapter 13 filings. President Bush has promised to sign the bill, which is subject to negotiations among members of a House-Senate conference committee. When it takes effect six months after Mr. Bush signs it, the measure will require people wanting to file for bankruptcy protection to show proof of attending a five-day money-management course.