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According to its proponents, the legislation will address the problem of consumers’ skyrocketing debt.Over the past decade, the number of Americans filing for bankruptcy has doubled and at least $40 billion in debt is now forgiven annually.

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The “Bankruptcy Abuse Prevention and Consumer Protection Act of 2005” makes some sweeping changes to the former bankruptcy law.

Impacting cases filed on or after October 17, 2005, the Act includes the development of a “means test.” The Trustee or any creditor can now bring a motion to dismiss a Chapter 7 bankruptcy if the debtor’s income is greater than the state median income.

Although it is white people who make up a majority of the population that receive governmental assistance (the white population of America is generally larger than any other race), a larger percentage of the black population receives this assistance.

of the black population in America is part of some governmental assistance program, and within this, 14 percent of the black population uses public housing as this assistance.

Other changes include: In the absence of undue hardship, regardless of the nature of the lender, student loans are not able to be discharged.

This covers loans from non-governmental and profit-making organizations.Certain debtors who meet a new standard would be shifted from a Chapter 7 bankruptcy to five-year repayment plan in Chapter 13.The bill also includes two provisions mandating financial counseling and education: Before filing for bankruptcy, consumers would be required to have a briefing on the alternatives to bankruptcy; and before receiving a bankruptcy discharge a debtor would be required to complete “an instructional course concerning personal financial management.” These provisions were included to provide debtors in bankruptcy with the skills and tools needed to avoid future financial problems.Debts owed to a single creditor totaling more than 0 for luxury goods incurred within 90 days of filing are presumed non-dischargeable; cash advances of 0 within 70 days cannot be discharged.Under the new Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, you can file for Chapter 7 only once every eight years.Trump, perhaps giving Carson a chance and considering his present actions rather than his past ones is the way to go about the situation. In fact, his words while speaking to HUD employees might be even worse.

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