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The Consumer Bankruptcy Fee Study's discovery of the magnitude of the increase of cost of system access caused by BAPCPA begs the further question of the consequences of the more expensive and elaborate system. In an environment of finite assets, who, if anyone, benefited from, was harmed or...

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Credit information sharing and non-performing loans : the moderating role of creditor rights protection

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Schuldenreport : Fakten, Analysen, Perspektiven

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Debtor Fraud in Consumer Debt Renegotiation

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We study how forcing financially distressed consumer debtors to repay a larger fraction of debt can lead them to … traveled farther to find more lenient insolvency professionals who, historically, approved more potentially fraudulent filings …. Finally, we find that those debtors who misreported income had a lower probability of default on their debt repayment plans …

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Good debt, bad debt : family debt portfolios and financial burdens

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