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1979 Creditors Survey bankruptcies per 100,000 BANKRUPTCY AND DEBT bankruptcy from 1950 bankruptcy law Bankruptcy Reform Act burden variable lagged Charlene Sullivan coefficient Commercial Bank Consumer consequences of bankruptcy consumer and mortgage consumer credit outstanding Consumer Debt Consumer Financial Services Consumer Loan Consumer Sentiment correlated CRC 1979 Creditors Credit Research Center Creditors Survey MONOGRAPH debt burden variable disposable personal income dummy variable ECONOMIC FACTORS ASSOCIATED enactment estimated explanatory power federal file bankruptcy Finance Companies GNMA Impact incidence of bankruptcy incidence of personal Johnson Journal of Finance Journal of Retail Krannert Graduate School McConnell measure of debt mortgage credit number of bankruptcies number of personal Ol CM outstanding to disposable percent personal bankruptcy filings personal nonbusiness bankruptcies Peterson petitioners for bankruptcy population Purdue University ratio of consumer REPRINT Restrictions Retail Banking Richard School of Management Second Mortgage Survey serial correlation significant subperiods West Lafayette willingness to file Yeager's model