Episode 17: The Inaccessibility of a Financial Fresh Start
Podcast: Proof Over PrecedentPublished On: Mon Oct 06 2025
Description: Image by Courtney Chrystal, J.D. candidate, Harvard Law School Is the financial reset system too difficult to navigate? In this “Student Voices” episode of Proof Over Precedent, HLS J.D. candidate Joe Liberman discusses the complexities and accessibility issues associated with “no-money-down” bankruptcy filings that often hurt the people who can least afford these particular filings.Closer scrutiny to legal fees associated with bankruptcy filings may help steer incentives toward the debtor rather than the attorney working with the filer. Read the corresponding blog post. Speakers: Joe Liberman, J.D. candidate, Harvard Law School Andrew Reed, J.D. candidate, Harvard Law School Resources mentioned: Chapter 7 – Bankruptcy Basics Chapter 13 – Bankruptcy Basics Lamie v. United States Trustee ‘Consumer Bankruptcy and Financial Health’, National Bureau of Economic Research ‘How the Bankruptcy System is Failing Black Americans’, ProPublica ‘No Money Down’ Bankruptcy, Southern California Law Review Share feedback and relevant topics you would like the A2J Lab to discuss: a2jlab@law.harvard.edu Stay connected with the Access to Justice Lab: Email newsletter Facebook BlueSky Instagram LinkedIn YouTube Support the A2J Lab Proof Over Precedent cover art by Courtney Chrystal
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