The House will pass the bankruptcy bill in April, and the President will sign it into law immediately, and then it will take effect six months after enactment.
<blockquote>The bill would take effect six months after it's signed into law. That would likely spur a spike in bankruptcy filings as individuals scramble to file for Chapter 7 before the restrictions take effect, says Sam Gerdano, executive director of the American Bankruptcy Institute.
"Ironically, for a bill designed to reduce consumer bankruptcy filings, it will increase them," at least in the short term, Gerdano says.
<http://www.usatoday.com/money/companies/2005-03-09-bankruptcy-usat_x.htm></blockquote>
That's the window of opportunity, but you had better begin now. -- Yoshie
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