So we put them in a Chapter 13. We're basically the last resort. They don't want to file bankruptcy. There's a stigma attached to it. Why go to a lawyer.
Credit counseling is like a repayment plan without going to court.
Instead of filing bankruptcy, it's a voluntary plan between the debtor and the creditors brokered through the Consumer Credit Counseling Service. But the creditors don't have to take part. And the clients have about an 80 percent failure rate. So we get lots of those people. But for a small percentage of people, it will work.