, especially, the financial cost of filing for bankruptcy. We study the effects of the reform on bankruptcy, insolvency, and … and Consumer Protection Act (BAPCPA), the most substantive reform of personal bankruptcy in the United States since the … Bankruptcy Reform Act of 1978. The 2005 legislation introduced a means test based on income to establish eligibility for Chapter …

reform that led to the adoption in 2005 of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), which made …