jason stanley klein, case number 1045682. so, doug said, what caused the bankruptcy? i went into business at a bad time in a bad location, and a lot of my debts stem from that, jay replied. doug looked down and studied jay's bankruptcy filing. not long ago doug had believed most bankruptcies resulted from avoidable mistakes. now he wasn't so sure. he signed jay's paperwork, a familiar combination of bad luck, poor wages and unemployment. the story of michigan's economy at the beginning of 2010. sometimes doug studied a case and thought immediately of one of his favorite expressions; there but for the grace of god go i. he continued to do his job, he said, because the paycheck kept him on the right side of the white table. he looked across at jay. is everything you filed here accurate, doug asked? yes, sir, jay said. then i have no further questions. that completes your exam. jay stood up and walked out of the courtroom. the lawyer followed him into the hall and squeezed his shoulder. no further questions means they're going to grant you the bankruptcy, the lawyer said