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Personal Bankruptcy and Economic Stability
Southern Economic Journal, 1974With the publication of a major study of bankruptcy in the United States, The Brookings Institution has contributed to an increased awareness of a significant social and economic problem [6]. Currently, about 200,000 bankruptcy proceedings are commenced annually, and more than 90 percent of these are personal, as opposed to business, bankruptcies.
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Household Consumption and Personal Bankruptcy
The Journal of Legal Studies, 2008This paper utilizes the population of personal bankruptcy filings in the state of Delaware during 2003 and finds that household expenditures on durable consumption goods, such as houses and automobiles, contribute significantly to personal bankruptcy. Medical conditions also lead to personal bankruptcy filings, but other adverse events such as divorce ...
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The economics of personal bankruptcy
2004This thesis examines the effect of bankruptcy law on consumer borrowing and welfare. The thesis consists of four theoretical chapters and two empirical chapters. Chapter 1 presents a simple model of consumer borrowing where the repayment of debt is governed by a bankruptcy law which allows a consumer to protect income below a given exemption level from
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Is the personal bankruptcy system bankrupt? [PDF]
, 2002 Loretta Mester outlines the components of reform proposals. She then looks at the empirical research on personal bankruptcy to evaluate the rationale for reforming the system and the effectiveness of proposed changes. ; Also issued as Payment Cards Center Discussion Paper No.
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Residential housing and personal bankruptcy [PDF]
, 2009 Bankruptcy filings are on the rise, and millions of households have either lost their homes to foreclosure or are on the verge of losing them. One subject of debate amid this rising number of bankruptcies is how personal bankruptcy laws deal with residential housing. This subject centers on two main issues: First, how do personal bankruptcy laws affect
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