There is limited ability of qualified debtors to access justice in the form of bankruptcy relief in the United States. One-third of bankruptcy filers are below the poverty level. In the words of one researcher, "debtors are simply too broke to file." This paper explores issues of access to...

This article examines several sets of factors that can contribute to ethical misconduct in the workplace: individual factors, organizational factors, and opportunity factors. Following a brief introduction of these sets of factors, an illustrative case is presented to demonstrate the model in...