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Extending Debt Relief Protections for National Guard and Reservists

This law extends for an additional four years the period during which qualifying National Guard and Reserve members can more easily file for Chapter 7 bankruptcy (debt liquidation). By exempting them from the standard income test (the means test), the law provides crucial financial relief. This measure supports service members who faced financial hardship due to active duty deployment after 9/11.
Key points
Easier Debt Discharge: Qualifying service members are exempt from the standard income test when filing for Chapter 7 bankruptcy.
Protection Extended: The duration of this special financial protection is extended by four additional years (from 15 to 19 years).
Eligibility: Applies to National Guard and Reservists called to active duty for 90 days or more since September 11, 2001.
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Additional Information
Print number: 118_S_3328
Sponsor: Sen. Durbin, Richard J. [D-IL]
Process start date: 2023-11-15
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Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

National Guard and Reservists Debt Relief Extension Act of 2023

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_S_3328.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2023-11-15.

What are the main provisions?

Key points include:

  • Easier Debt Discharge: Qualifying service members are exempt from the standard income test when filing for Chapter 7 bankruptcy.
  • Protection Extended: The duration of this special financial protection is extended by four additional years (from 15 to 19 years).
  • Eligibility: Applies to National Guard and Reservists called to active duty for 90 days or more since September 11, 2001.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Sen. Durbin, Richard J. [D-IL].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-30.

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