The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 makes it much more difficult for debtors to escape their debts under federal bankruptcy law.

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The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was designed to make it more difficult for debtors to escape their debts under federal bankruptcy law. Among other things, the law requires debtors to pass a "means test" to determine if they qualify for Chapter 7 bankruptcy (which allows for the discharge of most debts), and imposes additional requirements and restrictions on filers.