Some consumers simply cannot afford to file bankruptcy. Strange as it may sound, even to file bankruptcy costs money. And, it is not inexpensive. Legal aid does file a limited number of bankruptcy cases for people with limited income, and there are some law firms who will file cases on a pro bono or at no charge to the consumer, basis. However, the availability of this kind of service is extremely limited. As a practical matter however, if consumer has income that is not sufficient to afford a bankruptcy, then probably that consumer is not collectible by creditors. In other words, that consumer is judgment proof, meaning that creditors may sue the consumer but as a practical matter cannot collect anything from the consumer.