The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 has retrospective application and even applies to cases filed before 17^th October 2005.

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On April 20,2005,President Bush signed the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005," the most substantial revision of the bankruptcy law since the 1978 Bankruptcy Code was adopted.With a few exceptions,the revisions are effective for cases filed after October 17,2005.