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Bankruptcy Act 2005


On April 20, 2005, the President signed into law the Bankruptcy Abuse Prevention and Consumer Protection Act,  which limits individual access to US bankruptcy courts. Some of the changes, which were effective October 17, 2005, included:

New bans on Chapter 7

Increased Chapter 13 payments

New presumptions against debtors with increased penalties

The reduction of judicial discretion to balance competing interests



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