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SavingUpforBankruptcyRONALDJ.MANNANDKATHERINEPORTER*TABLEOFCONTENTSINTRODUCTION..........................................290I.THEORIESOFBANKRUPTCY..............................293II.METHODOLOGY......................................298A.SELECTINGJURISDICTIONS...........................298B.QUANTITATIVEFILINGDATA..........................299C.SURVEYDATA...................................300D.QUALITATIVEDATA................................301III.EMERGENCIES,EPIPHANIES,ANDTHEPERCEPTIONOFDISTRESS.....304A.COLLECTIONPRESSURES.............................304B.THEMYTHOFTHEEMERGENCYFILING...................307C.COMINGTOTERMSWITHFINANCIALFAILURE...............313IV.DOLLARSDRIVEBANKRUPTCYFILINGS.....................318A.THETAXREFUNDEFFECTANDTHEANNUALPATTERN.........319B.THEPAYCHECKEFFECTANDTHEMONTHLYPATTERN.........323C.THEMEANSTESTEFFECTANDTHEMONTHLYPATTERN........324D.ATTORNEYWORKLOADANDTHEWEEKLYPATTERN...........325V.POLICYIMPLICATIONS.................................327CONCLUSION................