Thomas O. Bean was quoted in the November 21 issue of the Boston Business Journal in an article regarding a rise in personal bankruptcy filings in eastern Massachusetts. Mr. Bean noted that because high credit card debt is likely a factor in the Chapter 7 filings, retailers may experience more problems after the holiday season. "It’s just the beginning right now. I expect the number of filings to increase during the first and second quarter of next year. Consumers, who are in fear of losing their jobs, are going to be spending less," he said.