Disrupting the Crises

“Disrupting the Crises” explores bankruptcies within communities who are disproportionately subjected to ticket-related debt. Whereas much sociolegal research to date emphasizes how predatory fines and fees reproduce relations of domination, I focus on departures to these arrangements that emerge through Chapter 13 specifically. Using Chicago as a case study, Chapter 13 operates within the law to stall deadlines for repayment, pause debt collection efforts, safeguard driving privileges, and shelter cars from dispossession. Although bankruptcy rarely produces lasting relief, given its high failure rates and enduring hardships, this legal injunction provides immediate protections that many prefer to inaction. Among drivers facing threats to their mobility, Chapter 13 offers an off-ramp to debts that can feel like unescapable gridlock. By framing bankruptcy as a form of disruption, I contribute to broader debates on the indeterminacy of predation.