This session focuses on several of the Model Rules of Professional Conduct, including 1.1 (Competence), 8.4 (Misconduct), and ABA's Model Code of Judicial Conduct canon 2.3(b) (Bias, Prejudice, and Harassment). The panelists discuss the disparate treatment of people of color in the bankruptcy process, whether it is open or hidden, and how that treatment manifests itself. This session also addresses research that has been conducted regarding biases and perceptions on race and bankruptcy, including decisions on filing and under what chapter to file, and what the bar and the judiciary can do to correct that disparate treatment.