 The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 has clarified this area of concern by making changes to the U.S. Bankruptcy Code that include, along with many other reforms, language imposing a means test for Chapter 7 cases.Creditworthiness and the likelihood of receiving a Chapter 7 discharge are some of the issues to be considered in determining whether to file bankruptcy.The importance of the effects of bankruptcy on creditworthiness is sometimes overemphasized because by the time many debtors are ready to file for bankruptcy, their credit score is already ruined.