INTRODUCTION About Us History Bankruptcy Basics Chapter 7 Stats Chapter 13 THE BANKRUPTCY LAW Key Changes What Should I Do? How It Affects Me?   NEW REQUIREMENTS Steps Means Test Credit Counseling Debtor Education QUESTIONS Long Term Effects Who Should I Use? My Options What is the Cost? RESOURCES Credit Counseling Debtor Education Financial Tools Glossary	RESOURCES October 17th This is a key date in financial history.  The new bankruptcy law, called the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) went into effect on October 17, 2005. There are several key changes to the new bankruptcy law.  The three major changes to the law that will effect most people are the ticket in, the means test, and the ticket out.  There are several other smaller changes that will also be discussed later. Read more about the key changes.