{"id":5037,"date":"2012-01-13T19:02:19","date_gmt":"2012-01-13T19:02:19","guid":{"rendered":"http:\/\/www.duncanlawonline.com\/?p=5037"},"modified":"2026-06-07T00:40:50","modified_gmt":"2026-06-07T04:40:50","slug":"how-did-bankruptcy-change-with-the-new-laws-in-2005","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/how-did-bankruptcy-change-with-the-new-laws-in-2005\/","title":{"rendered":"How Did Bankruptcy Change With the New Laws in 2005?"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"How Did the Bankruptcy Laws Change in 2005?\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/uBiF3tS9ESs?wmode=transparent&amp;rel=0&amp;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>Before 2005 it used to be fairly easy and cheap to file bankruptcy. When the bankruptcy laws changed in 2005 the process for filing for bankruptcy became more complicated. Due to the complications of cases fees across the country for <a title=\"Filing for Bankruptcy in NC\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/\" target=\"_blank\">filing bankruptcy<\/a> also went up.<\/p>\n<p><a href=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2012\/01\/Question-Mark-Man.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft size-medium wp-image-5038\" title=\"Bankruptcy Questions\" src=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2012\/01\/Question-Mark-Man-300x300.jpg\" alt=\"Bankruptcy Questions\" width=\"300\" height=\"300\" \/><\/a><\/p>\n<p>One of the main things that changed is the requirement to pass the \u201c<a title=\"What is the Means Test in Bankruptcy?\" href=\"https:\/\/www.duncanlawonline.com\/what-means-test\/\" target=\"_blank\">means test<\/a>\u201d in order to be able to qualify to file a <a title=\"Chapter 7 Bankruptcy Information\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/bankruptcy-types\/chapter-7-bankruptcy\/\" target=\"_blank\">Chapter 7 bankruptcy<\/a>.\u00a0 Generally speaking, if your average monthly income is less than the states median income, then you will pass the means test. If your average monthly income is more than the states median income, then there are a few other things that are taken into account to determine if you will pass or not. In this case, the means test looks into your income, expenses and the total amount of debt you owe. If that determines you have enough income to pay a certain amount to those creditors each month, then you will fail the means test. This means that you will not qualify to file a Chapter 7 bankruptcy but, instead, you can seek bankruptcy protection under a <a title=\"Chapter 13 Bankruptcy Information\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/bankruptcy-types\/chapter-13-bankruptcy\/\" target=\"_blank\">Chapter 13 bankruptcy<\/a>.<\/p>\n<p>Another thing that the new laws now require is the debtors have to provide proof of income. This means that they must provide their tax returns for the previous year to the trustee. If the previous years\u2019 taxes have not been filed, they must get filed before the bankruptcy filing can proceed. This goes for both Chapter 7 bankruptcies and Chapter 13 bankruptcies.<\/p>\n<p>The new laws also now require people who file bankruptcy take a <a title=\"Why Do I Have to Take A Credit Counseling Course\" href=\"https:\/\/www.duncanlawonline.com\/why-do-i-have-to-take-a-credit-counseling-course\/\" target=\"_blank\">credit counseling course<\/a> and a <a title=\"Bankruptcy Financial Management Course\" href=\"https:\/\/www.duncanlawonline.com\/financial-management-course\/\" target=\"_blank\">financial management course<\/a>.\u00a0 These must be through government-approved agencies, so make sure to check with your attorney to find out which ones are government-approved. \u00a0If these companies suggest a repayment plan or other options, you do not have to follow them. For bankruptcy purposes you only have to be able to show that you have taken the course. A lot of debtors feel that these courses help and give them good information.<\/p>\n<p>These are a few of the main changes that accompanied the bankruptcy law changes in 2005.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Before 2005 it used to be fairly easy and cheap to file bankruptcy. When the bankruptcy laws changed in 2005 the process for filing for bankruptcy became more complicated. Due to the complications of cases fees across the country for filing bankruptcy also went up. One of the main things that changed is the requirement &#8230; <a title=\"How Did Bankruptcy Change With the New Laws in 2005?\" class=\"read-more\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/how-did-bankruptcy-change-with-the-new-laws-in-2005\/\" aria-label=\"Read more about How Did Bankruptcy Change With the New Laws in 2005?\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"video","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4171],"tags":[],"class_list":["post-5037","post","type-post","status-publish","format-video","hentry","category-bankruptcy-basics","post_format-post-format-video"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>2005 Bankruptcy Law Changes Explained | Duncan Law<\/title>\n<meta name=\"description\" content=\"The 2005 bankruptcy law added the means test, mandatory courses, and income requirements. See what changed and how it affects your NC bankruptcy options today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.duncanlawonline.com\/how-did-bankruptcy-change-with-the-new-laws-in-2005\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Did Bankruptcy Change With the New Laws in 2005?\" \/>\n<meta property=\"og:description\" content=\"http:\/\/www.youtube.com\/watch?v=uBiF3tS9ESs Before 2005 it used to be fairly easy and cheap to file bankruptcy. When the bankruptcy laws changed in 2005\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.duncanlawonline.com\/how-did-bankruptcy-change-with-the-new-laws-in-2005\/\" \/>\n<meta property=\"og:site_name\" content=\"Duncan Law\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/duncanlawonline\" \/>\n<meta property=\"article:published_time\" content=\"2012-01-13T19:02:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-07T04:40:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2026\/06\/blog-general-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Damon Duncan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@DuncanLaw\" \/>\n<meta name=\"twitter:site\" content=\"@DuncanLaw\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Damon Duncan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/how-did-bankruptcy-change-with-the-new-laws-in-2005\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/how-did-bankruptcy-change-with-the-new-laws-in-2005\\\/\"},\"author\":{\"name\":\"Damon Duncan\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/#\\\/schema\\\/person\\\/f7b4948225deab021c8ba0edbea00655\"},\"headline\":\"How Did Bankruptcy Change With the New Laws in 2005?\",\"datePublished\":\"2012-01-13T19:02:19+00:00\",\"dateModified\":\"2026-06-07T04:40:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/how-did-bankruptcy-change-with-the-new-laws-in-2005\\\/\"},\"wordCount\":372,\"publisher\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/how-did-bankruptcy-change-with-the-new-laws-in-2005\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.duncanlawonline.com\\\/wp-content\\\/uploads\\\/2012\\\/01\\\/Question-Mark-Man-300x300.jpg\",\"articleSection\":[\"Bankruptcy Basics\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/how-did-bankruptcy-change-with-the-new-laws-in-2005\\\/\",\"url\":\"https:\\\/\\\/www.duncanlawonline.com\\\/how-did-bankruptcy-change-with-the-new-laws-in-2005\\\/\",\"name\":\"2005 Bankruptcy Law Changes Explained | Duncan Law\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/how-did-bankruptcy-change-with-the-new-laws-in-2005\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/how-did-bankruptcy-change-with-the-new-laws-in-2005\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.duncanlawonline.com\\\/wp-content\\\/uploads\\\/2012\\\/01\\\/Question-Mark-Man-300x300.jpg\",\"datePublished\":\"2012-01-13T19:02:19+00:00\",\"dateModified\":\"2026-06-07T04:40:50+00:00\",\"description\":\"The 2005 bankruptcy law added the means test, mandatory courses, and income requirements. 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