By now, plenty of people are feeling the effects of the bankrupty bill. Higher minimum payments combined with declining real wages are squeezing working folks hard. When you fall behind on payments, interest rates are jacked up to the 40% range. Combine that with late fees, and the snowball turns into an avalanche.
Here's the idea: Ballot initiatives in various states putting a cap on credit card interest rates.
I don't know the legality of this, so feel free to shoot me down if I'm off base here. Use comments to post other ballot initiative ideas that could raise progressive voter turnout.