The New Bankruptcy Laws

On October 17, 2005, the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005" was passed. This new Act requires the inclusion of a bankruptcy "means test", which states that no debtor whose income is greater than the state median income may file under a Chapter 7. Instead, the debtor is requires to file a Chapter 13. The act also requires two counseling certificates, which concentrate on educating debtors on financial management. The eligibility for bankruptcy is still the same, though some debtors are forced into a Chapter 13. Download and print our free

bankruptcy

  information packet

About Edward F. Noyes

  • Has maintained a general practice of law in Jefferson County, Iowa since 1985. Has practiced extensively in the area of bankruptcy, criminal defense, and personal injury areas of law for over 20 years and is a certified member of the National Association of Consumer Bankruptcy Attorneys.
  • Ed grew up in rural Nebraska; family includes multiple generations of farmers whose ancestors homesteaded in Nebraska. Ed's greatgrandfather was the first person in Nebraska to grow over 100 bushels of corn per acre, (using horses and hand picking).
  • Attended the University of Nebraska and received a Bachelors of Science degree in Agriculture, majoring in Wildlife Biology and Agricultural Economics. Graduated from the University of the Pacific McGeorge School of Law, Sacramento, California (attended the University of Iowa School of Law in the last year of his law school education).
  • Active in community service development for many years, including multiple leadership roles in the International Community Service Day projects held in Fairfield.
    • Active in various youth mentoring projects including being the Founder of the Annual Men and Boy's Canoe Trip, which for over ten years took young men on an annual Camping/Canoe Trip; sponsored and produced a Young Men's Adventure Summer Camp.
  • Is a lifelong student of history and government; committed to fulfilling the vision of our Nation's Founders. Has successfully completed the three year "Evening a month for America" program, sponsored by the National Center for Constitutional Studies.
    • Produced one of the first local Cable Access Television Programs in Jefferson county, entitled "Community Empowerment, Rediscovering Our Unlimited Resources."
  • Candidate for Attorney General of Iowa in 2002 after winning nomination from the Libertarian Party of Iowa.
  • Co-Authored "Restoring the Heart of America, a Return to Government by the People" with Clyde Cleveland, of Fairfield, Iowa (candidate for governor of Iowa, 2002).

About Joyce Calhoun

Local resident of Fairfield, Iowa.
Enjoys playing the piano, organ, and singing.
Enjoys playing hymns for nursing home residents.
Eight years experience as a bankruptcy legal assistant.

Certified Bankruptcy Assistant


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About Eliyah Finkelstein

Resident of Fairfield Iowa since 1989.
Enjoys video games, soccer, writing, and creative problem solving.
Ten months bankruptcy experience. Also helps with website development.