I. Introduction
Ever since the Realist movement captured American law schools, empirical research has been the senior scholar of the legal academy, revered but rarely seen in the building.1 Reverence notwithstanding, the ghost of Underhill Moore lingers always in the background,2 supported by a steady stream of criticism cheerfully, almost indulgently, dismissing empiricism as a napkin ring on the academic table, attractive but hardly useful.3
This Article has two purposes. As the title suggests, the first is to discuss the present state of empirical research in the field of consumer bankruptcy and the road ahead. The second is to generalize a bit from that …