The Basics of Consumer Bankruptcy
The rules of consumer bankruptcy were subject to changes under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA). This act resulted in substantial changes to the bankruptcy code. These changes, while they are broad, apply mainly to bankruptcy cases filed on or after October 17, 2005. The Bankruptcy Code is codified as Title 11 of the United States Code. It has been amended multiple times since its enactment. The code allows for a uniform federal law which governs all bankruptcy cases. This means that it, mostly, does not matter in which state one files for bankruptcy, the rules will be the same. ...
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