of 2007. This year's Annual Consumer Bankruptcy Demographics Report will be the first research to capture information on … American debtors filing bankruptcy during the first 12 months of this recession (January 2008 through December 2008). While the … Americans into bankruptcy …

Insolvency law policy is ... …

The fact that 20 percent of personal bankruptcyfilings list business debts suggests that personal bankruptcy procedures … bankruptcy exemptions warrantsinvestigation. A model of how variations in exemption levels affect incentivesto own small …

laws that limit the enforcement of judgments on bankruptcy filings. However, (1) the majority of defaulting consumers do … not file for bankruptcy, and (2) most debt collection takes place outside of the courtroom. Federal law prohibits … against these creditors. This article finds that states with anti-harassment statutes have lower bankruptcy filing rates, but …

bankruptcy filers. In particular, our data allow us to distinguish between Chapter 7 and Chapter 13 bankruptcy filings, to … after bankruptcy filing, most filers have much reduced access to credit in terms of credit limits, and the impact seems to …). Our results, in contrast to prior studies, thus suggest that the current bankruptcy system does not appear to provide much …

's intent and the “fresh start” purpose of the Bankruptcy Code …

are responsible for driving households to bankruptcy. Our results suggest that an increase of 10 percent in medical debts …. Studying the post- bankruptcy scenario, we find that filers are 19 percent less likely to own a home even several years after …

This paper examines the impact of state bankruptcy homestead exemptions on mortgage application outcomes. The empirical …

In “Race, Attorney Influence, and Bankruptcy Chapter Choice,” which appeared in the Journal of Empirical Legal Studies …, we reported on two studies. The first study used real-world bankruptcy data and documented a large racial disparity in … bankruptcy chapter choice. Even after controlling for numerous factors, African Americans in bankruptcy used chapter 13 at rates …