The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 has been criticized as being too "debtor friendly."

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The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 has actually been criticized for being too "creditor friendly" and making it more difficult for individuals to file for bankruptcy and have their debts discharged. The law includes stricter eligibility requirements, mandatory credit counseling, and a means test to determine whether someone qualifies for Chapter 7 bankruptcy or must instead file for Chapter 13 and repay some of their debts.