Robert M. Lawless, University of Illinois at Urbana-Champaign (IMAGE)

University of Illinois at Urbana-Champaign, News Bureau

Robert M. Lawless, University of Illinois at Urbana-Champaign

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Bankruptcy attorneys are increasingly encouraging clients to file for the more expensive 'no money down' option of Chapter 13 bankruptcy -- a tactic that's used more often with blacks than with whites, according to research co-written by Robert M. Lawless, the Max L. Rowe Professor of Law at Illinois and a leading consumer credit and bankruptcy expert.

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Photo by L. Brian Stauffer

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