There's a credit card company that asks "what's in your wallet?" If you say "my wallet's empty", creditors start to panic. Last year, more than a million and a half Americans said bye-bye to their debts by filing for bankruptcy. For many years now, creditors have been begging Congress to make it harder for consumers to walk away. This may be the year they get what they've been asking for. Marketplace's Amy Scott reports that on Monday, the Senate takes up bankruptcy reform.