The net effect of the new code under Bankruptcy Abuse Prevention and Consumer Protection Act,2005 has generally been to make filing for bankruptcy:

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The Bankruptcy Abuse Prevention and Consumer Protection Act,2005 has added several new requirements and procedures which have made filing for bankruptcy more expensive and time-consuming. The act requires debtors to complete mandatory credit counseling and financial management courses, pay higher filing fees, provide more extensive documentation of their financial affairs, and undergo a means test to determine their eligibility for bankruptcy relief. All these requirements have made the bankruptcy filing process more expensive and lengthier than before.

The Net Effect of the New Code Under Bankruptcy Abuse