1. The "new" bankruptcy law that went into effect in October, 2005 isn't very much more restrictive than the "old" law. The law revision got a lot of press that made it sound like it would be much more difficult--perhaps impossible--to file for bankruptcy protection after the new law went into effect. It's true that there are some additional steps and additional paperwork. Filing bankruptcy is a little more work and requires a little more preparation than it did before (although most of that work falls more on your attorney than it does on you). However, the end result is the same for most debtors. Once the means testing and the
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