By William C Whitford, Johanna Niemi-Kiesilainen, Iain Ramsay
Customer financial ruin is an rising box during the global. This ebook offers a comparative appraisal of world advancements during this zone. it really is one of many first book-length guides targeting comparative purchaser financial ruin and over-indebtedness. It combines theoretical and empirical reports of financial disaster regimes and patron credits in civilian and customary legislation jurisdictions and explores present reform traits. The ebook might be of curiosity to teachers, policymakers and legislation reformers in addition to to practitioners.
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Extra info for Consumer Bankruptcy in Global Perspective
Html>. 60 Consumer Credit Society and Consumer Bankruptcy 31 Different explanations have been developed to explain this increase. 61 The highly profitable nature of credit card lending meant that lenders were willing to accept higher write offs. 63 Over two-thirds of this group had substantial job problems before filing for bankruptcy and their continued use of credit after encountering these difficulties is consistent with my earlier discussion of the use of credit cards as a substitute for other forms of income support.
70 See Report by the Task Force on Tackling Over-indebtedness (London, Department of Trade and Industry, Consumer Affairs Directorate, July 2001). 71 See Proposal for a Directive of the European Parliament and of the Council on the harmonisation of the laws, regulations and administrative provisions of the Member States concerning credit for consumers (Brussels, COM(2002) 443 final 2002/0222(COD)) at Art 9 (Responsible Lending), Art 8 (Central Database). 72 See I Ramsay, ‘Consumer Credit Law, Distributive Justice and the Welfare State’ (1995) Oxford Journal of Legal Studies 177.
KA Posner and AL Meehan, The Internet Credit Card Report: A Primer on the Industry and its Role in E-Commerce (New York, Morgan Stanley Dean Witter & Co, 20 July 1999). 40 See L Ausubel, ‘The Failure of Competition in the Credit Card Market’ (1991) 81 American Economic Review 50; Sullivan, Warren, and Westbrook, above n 25 at 135. 41 See Evans and Schmalensee, above n 2 at 251–62. 42 See the review in J Stiglitz, ‘The Contribution of the Economics of Information to Twentieth Century Economics’ (2000) Quarterly Journal of Economics 1441.