from the Philadelphia Fed
The cost of personal bankruptcy filers traveling to their bankruptcy trustees affects bankruptcy choices. Increased travel costs reduce the number of filings. Furthermore, for those individuals who do file, it was found that their increased travel costs need to be compensated by increased financial benefits of bankruptcy. Filers without cars (higher travel costs), as well as those with jobs (higher opportunity costs), receive larger per-kilometer financial benefits from bankruptcy
[click on image below to read the entire study]
Source: http://www.philadelphiafed.org/research-and-data/publications/working-papers/2014/wp14-18.pdf