Thanks so much! We agree that bankruptcy should be the last resort for everyone. That's why we only let people through who have over $10,000 in debt. We also have 100+ other substantive checks to stop people from using Upsolve if we're not the right service for them or if we don't think their bankruptcy will be successful. For example, we don't help homeowners because our system is not yet ready for more complex assets (like homes), and we think those users would be better served via full representation. Bankruptcy is a federal law with minimal state-by-state differences. Our in-house attorneys are NY-based and never provide legal advice. Whenever legal advice is required, we connect our users with someone in our network in the state where the user is filing.