The new bankruptcy law 2005 has a design to help credit card companies to stop losing money from fraudulent filers. The new law received introduction on the claim from credit card companies and banks that many debtors were abusing the system by racking up high credit card debt and then filing bankruptcy only to repeat the process again. Although there was very limited research on the behalf of the public and from bankruptcy scholars, the law was signed into action in 2005. That law now makes it difficult for people who have legitimate needs to file for bankruptcy, such as medical debt, to do so without first passing a number of steps, including credit counseling, debt education and a means test. Although this law makes it more difficult to file, those who are qualified will be able to do so.