The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. A series of creditor-friendly and debtor-hostile amendments to the Bankruptcy Code passed by Congress in April of 2005 and generally effective starting October 17, 2005. To creditors, an eminently sensible piece of legislation that eliminated various debtor excesses. To debtors, the modern day version of debtors’ prisons. See Thermidorean Reaction.