households in consumer bankruptcy appears to be no different. Despite the U.S. Bankruptcy Code being federal law, there is … extreme geographic variation in the relative use of the two types of consumer bankruptcy – Chapter 7 and Chapter 13 – and … these differences lead to disparities in bankruptcy's balance between debt relief and creditor repayment. Guided by the …

providing an overview of consumer bankruptcy law in the US and document the relevant institutional changes over time. We proceed … implications of various bankruptcy laws? And second, what caused the rise in filings over time? We end with a discussion of open …