What changes were made to the Bankruptcy Act of 2001? How did they affect consumers?

Question

What changes were made to the Bankruptcy Act of 2001? How did they affect consumers?

Answer 1

The cited source is an excellent overview from a well-respected bankruptcy attorney.

Answer 2

It is now harder to eliminate credit card debt through a bankruptcy filing.  You now must pass an income test.  If your income is too high, you don't qualify.