highly sceptical about the value of debt agreements, or ‘Part IX' agreements. By contrast, they generally saw bankruptcy as a … regarding the long term impact of bankruptcy upon severely disadvantaged debtors. Several expressed the view that bankruptcy … disadvantages, such as mental illness. Instead, for people in this situation, bankruptcy offers little more than a temporary …

This paper examines recent trends in Australian personal bankruptcy by analysing a large data set obtained from the … regulator, the Australian Financial Security Authority. It demonstrates a marked decline in Australian bankruptcy rates, since a … to consumer spending. These findings represent a significant contribution to Australian empirical bankruptcy research …

. The data records the debts owed by 18,887 individuals who entered bankruptcy or a debt agreement between 1 July 2016 and …