“The chickens are going to come home to roost, and it’s going to hit hard unless there’s another huge stimulus and people go back to work quickly,” said Reed Allmand, a lawyer who specializes in bankruptcies with offices in Hurst and Dallas. “It’s good news that bankruptcies are down, but I think most people are delaying filing bankruptcy even when they need it. A lot of this is kicking the can down the road.”