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This new law, Bankruptcy Abuse Prevention and Consumer Protection (BAPCPA), took effect on October 17, 2005. This new law is the biggest reforms in U.S. bankruptcy law in over 10 years. Personal bankruptcies have jumped in September to the highest on record. Filings averaged more than 9,000 per day, up roughly fifty percent from last year's daily volume, during the first two weeks of September. (Aborgast, 2005) The credit card industry is one of the largest advocates of this bill stating that it will cut back on the inundation of bankruptcy filings by gamblers, compulsive shoppers and drug users to name a few...
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