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Auto credit and the 2005 Bankruptcy Reform : the impact of eliminating cramdowns
Chakrabarti, Rajashri; Pattison, Nathaniel - 2016
Auto lenders were perhaps the biggest winners of the 2005 Bankruptcy Reform. Cars depreciate quickly, so borrowers … to the market value of the car through a "cramdown" in Chapter 13 bankruptcy. The Reform prohibited cramdowns during the … eliminating cramdowns affected only one of the two types of consumer bankruptcy: Chapter 13. They exploit persistent historical …
Persistent link: https://www.econbiz.de/10011547738
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Personal bankruptcy protection and household debt
Severino, Felipe; Brown, Meta; Chakrabarti, Rajashri - 2024
Increasing personal bankruptcy protection raises consumers' desire to borrow and lenders' cost of extending credit; the … impact on equilibrium borrowing is ambiguous. Using bankruptcy protection changes between 1999 and 2005 across U.S. states …
Persistent link: https://www.econbiz.de/10014519066
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Auto credit and the 2005 bankruptcy reform : the impact of eliminating cramdowns
Chakrabarti, Rajashri; Pattison, Nathaniel - In: The review of financial studies 32 (2019) 12, pp. 4734-4766
Persistent link: https://www.econbiz.de/10012135499
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Auto credit and the 2005 Bankruptcy Reform: The impact of eliminating cramdowns
Chakrabarti, Rajashri; Pattison, Nathaniel - 2016
Auto lenders were perhaps the biggest winners of the 2005 Bankruptcy Reform. Cars depreciate quickly, so borrowers … to the market value of the car through a "cramdown" in Chapter 13 bankruptcy. The Reform prohibited cramdowns during the … eliminating cramdowns affected only one of the two types of consumer bankruptcy: Chapter 13. They exploit persistent historical …
Persistent link: https://www.econbiz.de/10011796440
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Auto Credit and the 2005 Bankruptcy Reform : The Impact of Eliminating Cramdowns
Chakrabarti, Rajashri - 2017
Auto lenders were perhaps the biggest winners of the 2005 Bankruptcy Reform. Cars depreciate quickly, so borrowers … to the market value of the car through a “cramdown” in Chapter 13 bankruptcy. The Reform prohibited cramdowns during the … eliminating cramdowns affected only one of the two types of consumer bankruptcy: Chapter 13. They exploit persistent historical …
Persistent link: https://www.econbiz.de/10012967738
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Household debt and saving during the 2007 recession
Chakrabarti, Rajashri; Lee, Donghoon; Klaauw, Wilbert … - In: Measuring wealth and financial intermediation and their …, (pp. 273-322). 2015
Persistent link: https://www.econbiz.de/10010505941
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Household Debt and Saving During the 2007 Recession
Chakrabarti, Rajashri - 2011
Using credit report records and data collected from several household surveys, we analyze changes in household debt and saving during the 2007 recession. We find that, while different segments of the population were affected in distinct ways, depending on whether they owned a home, whether they...
Persistent link: https://www.econbiz.de/10013131523
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Household Debt and Saving During the 2007 Recession
Chakrabarti, Rajashri - 2011
Using administrative credit report records and data collected through several special household surveys we analyze changes in household debt and savings during the 2007 recession. We find that while different segments of the population were affected in distinct ways, depending on whether they...
Persistent link: https://www.econbiz.de/10013125918
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How Does For-Profit College Attendance Affect Student Loans, Defaults and Labor Market Outcomes?
Armona, Luis - 2019
For-profit providers are becoming an increasingly important fixture of US higher education markets. Students who attend for-profit institutions take on more educational debt, have worse labor market outcomes, and are more likely to default than students attending similarly-selective public...
Persistent link: https://www.econbiz.de/10012889756
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State Investment in Higher Education : Effects on Human Capital Formation, Student Debt, and Long-Term Financial Outcomes of Students
Chakrabarti, Rajashri - 2020
Persistent link: https://www.econbiz.de/10012822734