It may depend on which state you live in, but when I lived in home state of Florida (I now reside in Texas), I approached an attorney about bankruptcy in '06.
In Florida, you routinely receive an Amazon forests' worth of junk mail each day, but after I approached the attorney - before I officially filed - it increased dramatically.
After I officially filed, I received so many offers of loans for cars mostly, but also loans for 'whatever'.....credit card offers, too.
After all the extremely detailed financial examinations, the free and mandatory budgeting course, the meetings and the hearings, I was declared bankrupt in January '07.
I must emphasize this is not a shame. I was so worried for almost a year over this whole thing that I became ill for a bit. Many have done this due to medical bills, losing their job - innocent reasons. I cannot say the same; I was trying to support a two person house on my income, while my ex's income went to his food and coke (damn buying groceries and paying for routine, household things). Yes, I was an enabler.
Anyway, after I was declared free and clear in January '07, junk mail for all sorts of fabulous offers and loans poured in more than ever before.
In contrast, I receive very little junk mail in Texas. I can only guess that laws about this sort of thing differ state to state? *rhetorical*
Let's not forget about all the pawn shops practically shouting in your face about loaning money for junk - er, I mean stuff: Back to school loans, Christmas, Valentine's Day, Mother's Day, any damn 'Day' you can think of and all those in between.
Many a folk buy cars they cannot afford and quickly become 'upside down' in them - they cannot make the payments. These folks know this full well ahead of time and don't care as long as they get to drive a cool car for a while before repo or return. These folks know there is always going to be an 'out for forgiveness' - a second, third, umpteenth chance offered - so they don't care. There are no consequences for irresponsibility.
And the debt monster continues.
As one attorney put it to me, "Good for the economy, bad for them".