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Australian money advice and debt management system
Kim, Seajin - 2023
In Australia, financial hardship caused by over-indebtedness is no longer only experienced by the most vulnerable social group but is now prevalent among the general population. This scoping paper analyses the money advice and debt management system in Australia with emphasis on their...
Persistent link: https://www.econbiz.de/10013541872
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Credit counselling and debt management services in the United States
Park, Gyeongmin - 2023
This scoping paper outlines credit counselling and debt management structures in the United States and their effectiveness in improving consumers' financial management status. First, various public and private credit counselling systems are explained with a focus on each institution's roles and...
Persistent link: https://www.econbiz.de/10013541894
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Credit counseling : a substitute for consumer financial literacy?
Disney, Richard; Gathergood, John; Weber, Jörg - 2014
Is financial literacy a substitute or complement for financial advice? In this paper we analyze the decision by consumers to seek financial advice in the form of credit counseling concerning their credit and debt. Credit counseling is an important component of the consumer credit sector for...
Persistent link: https://www.econbiz.de/10010429152
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Foreclosure externalities and vacant property registration ordinances
Biswas, Arnab; Cunningham, Christopher R.; Gerardi, … - 2019
externalities from foreclosures. VPROs were widely adopted by local governments across the United States during the foreclosure … enactment of VPROs in Florida more than halved the negative externality from foreclosure. This finding is robust to a rich set …
Persistent link: https://www.econbiz.de/10012122985
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A cost-benefit analysis of judicial foreclosure delay and a preliminary look at new mortgage servicing rules
Cordell, Larry; Lambie-Hanson, Lauren - 2015
Persistent link: https://www.econbiz.de/10010502765
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Appraising home purchase appraisals
Calem, Paul Seth; Lambie-Hanson, Lauren; Nakamura, … - 2018
Home appraisals are produced for millions of residential mortgage transactions each year, but appraised values are rarely below the purchase contract price: Some 30% of appraisals in our sample are exactly at the home price (with less than 10% of them below it). We lay out a basic theoretical...
Persistent link: https://www.econbiz.de/10011971156
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Using bankruptcy to reduce foreclosures : does strip-down of mortgages affect the supply of mortgage credit?
Li, Wenli; Ishani, Tewari; White, Michelle J. - 2014 - Current version: February 2014
We assess the credit market impact of allowing mortgage "strip-down" as a foreclosure-prevention measure, where strip … effective foreclosure-prevention program, because it would have only small and transient effects on the supply of mortgage loans. …
Persistent link: https://www.econbiz.de/10010337629
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Low-income-rental-housing programs in the fourth district
Richter, Francisca G.-C.; Sniderman, Mark S.; Klesta, … - 2013
Persistent link: https://www.econbiz.de/10010199096
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The impact of foreclosure on housing prices
Siebert, Ralph - 2015
The aim of the study is to explain if the foreclosure effect on prices is explained by a lower quality of foreclosed … estimate the impact of foreclosure on home prices in Florida and Indiana from 2000 to 2008. We employ a model of housing demand …-specific quality explains the vast majority of the foreclosure effects on house prices. Our results also show that foreclosed homes in …
Persistent link: https://www.econbiz.de/10010477084