Under the Bankruptcy Reform Act of 2005,consumers can always file for liquidation proceedings without going through Chapter 13.

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The Bankruptcy Reform Act of 2005 requires consumers to pass a means test to determine their eligibility for filing Chapter 7 bankruptcy (liquidation). If their income is above a certain level, they may be required to file under Chapter 13 (reorganization) instead.

Under the Bankruptcy Reform Act of 2005,consumers Can Always File