A study by a law professor shows that credit card companies make offers to people fresh out of bankruptcy.

In the study of 341 families, almost 100% received credit card offers within a year after completing bankruptcy proceedings, and 87% of those offers mentioned the bankruptcy proceedings. In fact, 20% of the offers came from companies the family had owed before the bankruptcy. 35 In small groups, discuss whether you think this practice is ethical. Why or why not? What reasons exist for not offering new credit to people who have just gone through bankruptcy?

Why might such people need new credit cards?