Answer:

Debtor is responsible to make a payment to the creditor any how. debtor may be any person i.e an individual, corporation, or municipality is responsible for its total liability .
Bankruptcy of the debtor
Bankruptcy is situation of insolvency, faluier in the business or may be liquidation. Under such situation debtor is unable to make payment of its creditor. So he make application  to the court for waiver or arrangements for their partial repayment . In this situation , federally authorized procedure by which a debtor is relieved of total liability for its debts by

We cannot say that , bankruptcy laws too lenient and allow debtors to leave their creditors in a lurch because in this situation debtor is unable to make his due because he is in financial failure . Bankruptcy allow the debtors to make fresh start and  with that , creditor to be repaid. Through bankruptcy. This law allows the debtor to  keep  exempt assets, like  home, car,  common household so he can  maintain basic standard of living.

So in total we can say that bankruptcy laws is not too lenient and allow debtors to leave their creditors in a lurch