By amending the Bankruptcy Code, the HAVEN Act excludes many benefits from debtors’ current monthly income during the means test. Benefits you may receive from the U.S. Department of Veterans Affairs (VA) and the U.S. Department of Defense (DoD) don’t need to be factored in like before. For disabled veterans, this can mean being eligible for Chapter 7 bankruptcy. Before the HAVEN Act, many veterans had no other choice but to file for Chapter 13 bankruptcy.