Bankruptcy attorneys in the American South place Black debtors into the more burdensome Chapter 13 bankruptcy at a disproportionate rate. Vanderheyden examines Bankruptcy practices in the South, and how implicit bias and institutional racism perpetuates racial poverty in the South. Using the United States Trustee System, Vanderheyden details realistic and effective solutions for this systemic problem.
Nathan W. Vanderheyden, Why Are Southern Bankruptcy Attorneys Scared of 7? Racially Disparate Uses of Chapter 13 Bankruptcy, 28 J. Gender, Race & Just. 183 (2025).