The New Bankruptcy Act
WHAT’S NEW
The Good News Counseling Means Test Time Limitations
Eligibility Time for Discharge Under BAPCA of 2005
If you previously
obtained a discharge
in a Chapter _________
You must wait ________
years between filings
Before you are eligible
for a discharge in a
Chapter _________
Chapter 7, 11, 8 years Chapter 7
Chapter 12, 13 6 years Chapter 7
Chapter 7, 11, 12 4 years Chapter 13
Chapter 13 2 years Chapter 13


Income and Tax Refunds Costs & Expenses Fees