One factor is the advertisements we see on television describing how to avoid your debts. People see those advertisements and then go to the attorneys who specialize in bankruptcy. You have to put everything you have on your credit card for the next 3 months. That is what is happening in America today. People are induced to do that.
People get depressed and get panicky.
They do not know what to do. People are suing them and threatening them. They go to their lawyer and ask for advice. I am of the opinion that at least a significant minority of those individuals want to pay their debts, but for various reasons they are in trouble and unable. I visited in my hometown of Mobile an outstanding institution, a nonprofit credit counseling agency.