Filing a Chapter 7 has, indeed, become much more difficult thanks to the bankruptcy reform pushed for by credit card companies back in 2005. That reform has been a failure, according to economists Wenli Li and Michelle J. White.
Li and White maintain that bankruptcy reform has resulted in approximately 800,000 additional mortgage defaults and 250,000 foreclosures since it passed. In a nutshell, the economists found that making bankruptcy less readily available to consumers has increased default rates -- debtors forced into a Chapter 13 bankruptcy under the new reforms have to face higher legal fees and are forced to take on at least part of their unsecured debt (which is what the credit card companies that bought the reform legislation ultimately wanted).
Ah, but at least credit card companies have less risk for going out and making the foolish decision to extend credit to college kids without jobs, huh?