Consumer Bankruptcy in Global Perspective - download pdf or read online

By William C Whitford, Johanna Niemi-Kiesilainen, Iain Ramsay

ISBN-10: 1841133582

ISBN-13: 9781841133584

ISBN-10: 1847311032

ISBN-13: 9781847311030

Patron financial disaster is an rising box during the international. This publication presents a comparative appraisal of world advancements during this zone. it's one of many first book-length courses targeting comparative purchaser financial disaster and over-indebtedness. It combines theoretical and empirical experiences of financial disaster regimes and purchaser credits in civilian and customary legislations jurisdictions and explores present reform tendencies. The publication could be of curiosity to lecturers, policymakers and legislation reformers in addition to to practitioners.

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61 See D Moss and G Johnson, ‘The Rise of Consumer Bankruptcy: Evolution, Revolution or Both’ (1999) 73 American Bankruptcy Law Journal 311. 62 See S Schwartz and L Anderson, An Empirical Study of Canadian Seeking Bankruptcy Protection (Ottawa, Carleton University School of Public Administration, 1998) at 38–45. ’ (2003) 41 Osgoode Hall Law Journal 116. org/papers/W8409>. 65 See B Adler, B Pollak and A Schwartz, ‘Regulating Consumer Bankruptcy: A Theoretical Inquiry’ (2000) 29Journal of Legal Studies 585.

14 Evans and Schmalensee, above n 2, at 100. 15 See D Gross and N Souleles, ‘Do Liquidity Constraints and Interest Rates Matter for Consumer Behavior? Evidence from Credit Card Data’ (2002) Quarterly Journal of Economics 149 at 151. nber. org/papers/w7879> at 2. 16 Consumers in Britain are increasingly using cards as a form of borrowing with about 40–50 per cent of consumers making a full payment on their card. 17 American Express, in contrast, generates a similar percentage of its revenue from merchant/ interchange fees18 and card fees.

65 See B Adler, B Pollak and A Schwartz, ‘Regulating Consumer Bankruptcy: A Theoretical Inquiry’ (2000) 29Journal of Legal Studies 585. 32 Iain Ramsay US bankruptcy law is unique in providing full wage insurance to a debtor who declares bankruptcy under Chapter 7. In contrast, Canada provides a limited protection for post-bankruptcy income and there is limited protection against a debtor reaffirming a credit contract. In Europe, debtors’ income is also available for repayment since most European systems require a debtor to enter a repayment plan as a condition of discharge.

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Consumer Bankruptcy in Global Perspective by William C Whitford, Johanna Niemi-Kiesilainen, Iain Ramsay

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