The parties appear to agree that there are enough creditors so that an involuntary case cannot be commenced by a single creditor, and instead, that at least three creditors must join in an involuntary petition. Section (b)(1) of the Bankruptcy Code, as it applies to this case. Elevated levels of involuntary bankruptcy in England and the Netherlands pose a theoretical and practical conundrum. Analysis of empirical data suggests that involuntary bankruptcy is commonly used in England and the Netherlands for deleterious purposes inconsistent with the modern goals of bankruptcy. An involuntary bankruptcy involves a business debtor more often than an individual debtor, although sometimes a wealthy individual may be targeted. This is because a creditor will find it worthwhile to go through this process only if the debtor has meaningful assets from which to collect.