Instead of consulting bankruptcy judges and courts, legislators relied on the expertise of creditor lobbyists to write much of the Bankruptcy Abuse Prevention and Consumer Protection Act. The result, some bankruptcy experts say, is a mess that will trigger a flood of appeals. The changes to the law are likely to create more competition, and litigation, among creditors. And that litigation will be compounded by the cross-referencing and grammatical shortcomings that the appeals courts will have to resolve.