most people filing for BK aren't really "people that don't have any money." It's a middle class problem: the truly poor have virtually no access to credit and a

most people filing for BK aren't really "people that don't have any money." It's a middle class problem: the truly poor have virtually no access to credit and are unlikely to have debt problems, while the well-off can save their way out of it. It's nearly always people with some income and employment who find themselves suddenly without enough to pay their debts. Wiping out tens of thousands of dollars in debt (usually credit cards, but sometimes medical and lawsuit debt too) is a huge help. Something as simple as a standard line at the bottom of every notice email sent to the debtor, to the effect of "We're a non-profit supported in large part by donations from satisfied users just like you. Please consider a small donation to pay it forward so we can continue to help people get a fresh start." With a link to your donation page.