They HAVE passed the new bankruptcy bill. Bush signed it on April 15th so you have 180 days before it goes into effect. During this 180 day period, the procedure is the sames as it has been. Beginning on October 15 the courts will subject you to a state mandated minimum income threshhold in determing whether you qualify for Chapter 7 or Chapter 13 or not at all. I would seek an attorney for further details if that is a consideration for you. You didn't provide any details on your situation, but bk may not always be the correct choice for credit issues. Post if you need suggestions.