What are some of the changes to the bankruptcy laws?
The latest changes to bankruptcy law make it harder for some people to file bankruptcy.
Some filers are no longer allowed to use Chapter 7 bankruptcy, but will instead have to repay some of their debt under Chapter 13.
All debtors now have to get credit counseling before they can file a bankruptcy case -- and additional counseling on budgeting and debt management before their debts can be wiped out.
