Get 20% off DeleteMe US consumer plans when you go to http://joindeleteme.com/Adam and use promo code ADAM at checkout. DeleteMe International Plans: https://international.joindeleteme.com/ Bankruptcy can mean totally different things depending on your wealth. For the rich, it’s a shield; for the poor, it’s a punishment. Despite this debilitating divide, in a country where we need to take on debt for homes, transportation, and medical care, we still rely on the bankruptcy system to keep the economy from collapsing. This week, Adam sits with Melissa Jacoby, a law professor at UNC Chapel Hill and author of Unjust Debts: How Our Bankruptcy System Makes America More Unequal. Together they discuss how a system designed as an economic safeguard has turned into a major divider of wealth in America. Find Melissa's book at factuallypod.com/books SUPPORT THE SHOW ON PATREON: https://www.patreon.com/adamconover SEE ADAM ON TOUR: https://www.adamconover.net/tourdates/ SUBSCRIBE to and RATE Factually! on: » Apple Podcasts: https://podcasts.apple.com/us/podcast/factually-with-adam-conover/id1463460577 » Spotify: https://open.spotify.com/show/0fK8WJw4ffMc2NWydBlDyJ About Headgum: Headgum is an LA & NY-based podcast network creating premium podcasts with the funniest, most engaging voices in comedy to achieve one goal: Making our audience and ourselves laugh. Listen to our shows at https://www.headgum.com. » SUBSCRIBE to Headgum: https://www.youtube.com/c/HeadGum?sub_confirmation=1 » FOLLOW us on Twitter: http://twitter.com/headgum » FOLLOW us on Instagram: https://instagram.com/headgum/ » FOLLOW us on TikTok: https://www.tiktok.com/@headgum » Advertise on Factually! via Gumball.fm