Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 ( BAPCPA) was enacted in April 2005. BAPCPA made substantial changes to bankruptcy law. The changes are so much that bankruptcy is sometimes now called the "new bankruptcy law". Those that filed before 2005 are not affected by it, but from now on, everyone who files will file under the new law. The changes are meant for both business and personal bankruptcies. The changes affect the following: Presumption of Abuse, Means Test, Non presumed abuse, Waiting periods between filing, Credit counseling, Automatic Stay, Notices, Discharges, Liens, Exemptions, Requirements to file, and much more.