As supporters cheered the almost effortless progress of bankruptcy reform in the Senate and in the House Judiciary Committee, some compliance experts already have begun warning of a potential downside to the increased Chapter 13 filings expected under the legislation. Experts say that the “means” test, which would determine whether a debtor can qualify for a Chapter 7 liquidation filing, could push a debtor into a risk-sensitive repayment plan that he or she could…