The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCA) of 2005 is a law enacting
several significant changes to the U.S. Bankruptcy Code and state bankruptcy laws. Most
provisions of the act apply to cases filed on or after October 17, 2005. This law attempts
to—among other things—make it more difficult for some consumers to file bankruptcy under
Chapter 7 and provide mandatory financial counseling services to all individuals filing for
bankruptcy....
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