An article in today’s New York Times at contains a discussion of a recent study which strongly suggests that bankruptcy attorneys have been disproportionately channelling their African American clients into Chapter 13 Bankruptcies rather than Chapter 7.

It is unclear why this is taking place. Though there is a great deal of overlap, Chapter 13 Bankruptcy meets very different needs than does Chapter 7 Bankruptcy. It is entirely possible that a greater portion of a given ethnic or racial demographic could find Chapter 13 to be a better solution than Chapter 7. However, the Study does seem to suggest that racism, however unconscious, is a more likely cause.

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