In a recent report by the Woodstock Institute, the answer could be yes.
In the report found here
“Bankruptcy filers in African-American neighborhoods choose potentially risky Chapter 13 more often than filers in white communities. Women in Cook County’s African-American neighborhoods file for bankruptcy at a disproportionately high rate, a new report from Woodstock Institute found. The report also found that bankruptcy filers in African-American communities are far more likely to choose Chapter 13 bankruptcy over Chapter 7, a trend that may indicate limited economic benefits of the bankruptcy process to filers in these communities. “
This is interesting. Is it based on community relations? education? religion? advertising? my hunch is that it may be a combination of all of the above.
I suggest the appropriate course based on the facts I am presented with. I’ll listen to what the client has to say, what their goals are as well. I will follow my clients’ request for whichever bankruptcy chapter, but if it is not my suggestion, I’ll set out my reasons for my recommendation, and then let the client decide.