In April 2005 President Bush signed a new bankruptcy law that makes it much more difficult to file. Since the new laws have taken effect, we have filed cases and have secured Chapter 7 and Chapter 13 bankruptcies with no complications and great success for our clients.  Some of the issues related to this new law are credit or debt counseling service, an education class to receive discharge from your debts, and you will need to meet more stringent criteria to qualify for the bankruptcy.  Our office provides guidance and assistance on all these issues.