Perhaps I am in the minority here, but I think Turbotax for Bankruptcy is a helpful analogy. You should also look at the Free File Program Turbotax runs - while it's gotten some heat for not being 'Free For All' it is a free (and useful) service for lower income individuals who do bring in an income. They partner heavily with libraries to ensure that people who may not have internet/computer access at home, are aware of this offering. Probably some overlap in demographics here.

As for the funding model: are there any businesses that stand to benefit from people being able to file for bankruptcy more easily? Collection agencies? Hospitals? There is a certain cost associated with tracking down a non-payer. Who could stand from this cost being eliminated? Non-profit is well and good, but it's even better if a business will stand up a foundation to specifically fund your product because it supports their revenue generating business.