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

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The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 actually made it harder for debtors to file for bankruptcy and escape their debts. The law introduced means testing, which evaluates a debtor's income and expenses to determine whether they are eligible for Chapter 7 bankruptcy. It also increased the documentation and requirements for filing bankruptcy, including credit counseling sessions and financial management courses.