Under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA),Congress created a system that would require more debtors to file under Chapter 7 rather than Chapter 13.

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The main purpose of BAPCPA was to make it more difficult for debtors to qualify for Chapter 7 bankruptcy and instead encourage them to file for Chapter 13 bankruptcy. This was done through the means test and other provisions that were added to the bankruptcy code.