As We Forgive Our Debtors: Bankruptcy and Consumer Credit in America
Beard Books, Jan 1, 1999 - Business & Economics - 370 pages
Bankruptcy in America is a booming business, with hundreds of thousands of ordinary Americans filing for bankruptcy each year. Is this dramatic growth a result of mushrooming debt or does it reflect a moral decline that permits the middle class to evade their debts? As We Forgive Our Debtors addresses these questions with hard empirical data drawn from bankruptcy court filings. The authors of this multidisciplinary study describe the law and the statistics in clear, nontechnical language, combining a thorough statistical description of the social and economic position of consumer bankrupts with human portraits of the debtors and creditors whose journeys have ended in bankruptcy court. Book jacket.
A Financial Portrait of People in Bankruptcy
Debtors at Work Occupations and Industries
Women and Bankruptcy
Can These Debtors Pay?
Laws Models and Real People
The Other Players
The Consumer Credit Industry
Conclusion Bankruptcy and the Consumer Credit System
Data and Methods
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13 debtors 25th percentile abuse American amount analysis attorneys bank bankrupt debtors Bankruptcy Code bankruptcy court bankruptcy filings bankruptcy laws bankruptcy losses bankruptcy policy bankruptcy sample bankruptcy system Chapter 13 Chapter 7 debtors choice of chapter claim collateral Consumer Bankruptcy Project consumer debt correlation credit card debt credit industry currently self-employed data show debtors in bankruptcy discharge district earnings economic model entrepreneurs family income file bankruptcy filers finance companies formerly self-employed home mortgage homeowners household Illinois incentives judges lawyers lending less loans married couples mean median medical debt medical debt/income ratio nonmortgage occupational prestige owed paid payments Pennsylvania petitioners population problem protection pure wage earners reaffirmations reluctant creditors repay repayment reported risk ruptcy security interest self-employed debtors significant single-filing women small business social statistical sumer Table Texas total debt trustee unsecured creditors unsecured debt values on assets variables worth