Did the 2005 Bankruptcy Amendments make it almost impossible to qualify for Chapter 7 relief?

No, although that is a very common misconception.  What the 2005 change to the law did was make it harder for persons who have the ability to repay a portion of their unsecured debts to avoid paying anything under Chapter 7.  For these individuals, the new law requires that they seek relief under Chapter 13, which means they will have to pay a certain amount of their disposable income ever month for up to five years, before receiving a discharge of any debts that then remain unpaid.

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