Just a thought,
Maybe a good number of people are going on pre BK binges? I don’t know much about BK. I know a person who did this about 10 years ago. He remodeled his house on credit cards for which he fudged his income to get. He knew just the right amount to run the cards up. I think it was 65K. He homesteaded his house, volunteered to get laid off from his job and did the BK.
