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By Ed Boltz, 11 November, 2017

Law Review: Sousa, Michael D.- The Persistence of Bankruptcy StigmaLaw Review: Sousa, Michael D.- The Persistence of Bankruptcy Stigma

Abstract:  The debtor-creditor relationship has always been intertwined with notions of morality. Failing to pay one’s financial obligations has traditionally been met with social opprobrium, internal shame, and external stigma. This dynamic did not change with the advent of American bankruptcy law. Indeed, for much of the twentieth-century, scholars have studied and debated whether the stigma associated with filing for bankruptcy has declined over the years, particularly in the 1980s and 1990s when the number of consumer bankruptcy filings increased dramatically.
By Ed Boltz, 10 November, 2017

Law Review: Taylor, Aaron & Sheffner, Daniel - Oh, What a Relief It (Sometimes) Is: An Analysis of Chapter 7 Bankruptcy Petitions to Discharge Student Loans

Law Review: Taylor, Aaron & Sheffner, Daniel - Oh, What a Relief It (Sometimes) Is: An Analysis of Chapter 7 Bankruptcy Petitions to Discharge Student Loans Abstract: Conventional wisdom dictates that it is all-but-impossible to discharge student loans in bankruptcy. This contention, however, misstates the fact that bankruptcy discharge of student loans is possible—and it happens.
By Ed Boltz, 10 November, 2017

Law Review: Eraslan, Hulya et al.- The Anatomy of U.S. Personal Bankruptcy Under Chapter 13

Abstract: By compiling a novel data set from bankruptcy court dockets recorded in Delaware between 2001 and 2002, the authors build and estimate a structural model of Chapter 13 bankruptcy. This allows them to quantify how key debtor characteristics, including whether they are experiencing bankruptcy for the first time, their past-due secured debt at the time of filing, and income in excess of that required for basic maintenance, affect the distribution of creditor recovery rates.
By Ed Boltz, 9 November, 2017

Mann, Ronald: Bankruptcy and the U.S. Supreme Court (Cambridge University Press 2017)Mann, Ronald: Bankruptcy and the U.S. Supreme Court (Cambridge University Press 2017)

Summary: Through the lense of cases,  Prof.  Mann examines how the Supreme Court has interpreted Bankruptcy Code in recent decades, positing that while bankruptcy cases are not among the “big questions” that attract the attention of law clerks and the media, they are not quite the “dogs” of the  Supreme Court docket that tax cases might be.  P.  2.  Using the briefs, news archives and the available papers of the Justices themselves, Prof.  Mann concludes that the Supreme Court decisions are “replete with back-and-forth negotiations about the
By Ed Boltz, 2 August, 2016

Law Review: Twomey, Tara & Maynes, Todd- Protecting Nest Eggs and Other Retirement Benefits in Bankruptcy

Abstract: For debtors facing financial distress in the twilight of their working years or beyond, bankruptcy’s promised fresh start may depend more on preserving retirement assets and benefits than returning to economic productivity. Even for those in the prime of their working years, losing retirement assets can represent a major lifelong setback. As a result, the question of whether consumer debtors can keep all or part of their retirement assets and benefits is a critical consideration.
By Ed Boltz, 27 January, 2015

Law Review: Jiménez, Dalié- Dirty Debts Sold Dirt Cheap

Debt Buyer keeps naggin' at you night and day Enough to drive you nuts Pick up the phone, leave me alone It's time you made a stand. Paraphrase of AC/DC- Dirty Deeds Done Dirt Cheap Abstract: More than 77 million Americans have a debt in collections. Many of these debts will be sold to debt buyers for pennies, or fractions of pennies, on the dollar. This Article details the perilous path that debts travel as they move through the collection ecosystem.
By Ed Boltz, 6 August, 2014

Urban Institute Studies: Debt in America and Delinquent Debt in America

Debt in America Abstract: Debt can be constructive, allowing people to build equity in homes or finance education, but it can also burden families into the future. Total debt is driven by mortgage debt; both are highly concentrated in high-cost housing markets, mostly along the coasts. Among Americans with a credit file, average total debt was $53,850 in 2013, but was substantially higher for people with a mortgage ($209,768) than people without a mortgage ($11,592). Non-mortgage debt, in contrast, is more spatially dispersed.
By Ed Boltz, 7 May, 2014

Law Review: Gotberg, Brook- Conflicting Preferences: Avoidance Proceedings in Bankruptcy Liquidation and Reorganization

Abstract: The law of preferential transfers permits the trustee of a bankruptcy estate to avoid transfers made by the debtor to a creditor on account of a prior debt in the 90 days leading up to the bankruptcy proceeding. The standard for avoiding these preferential transfers is one of strict liability, on the rationale that preference actions exist to ensure that all general creditors of the bankruptcy estate recover the same proportional amount, regardless of the debtor’s intent to favor any one creditor or the creditor’s intent to be so favored.
By Ed Boltz, 1 May, 2014

Article- Stifler, Lisa and Parish, Leslie, The State of Lending: Debt Collection& Debt Buying

Summary: This is an excellent primer from the Center for Responsible Lending for understanding debt buyer industry, as well as a overview of various federal and state laws and regulations and policy recommendations. Commentary: North Carolina is appropriately given pride of place for being the first state to enact the novel requirement that debt buyers to actually prove the debts using admissible evidence. See N.C.G.S. § 5870-150 et.
By Ed Boltz, 13 April, 2014

Law Review: Rendleman, Doug & Weingart, Scott- Collection of Student Loans: A Critical Examination

Abstract: Although the collection of college student loans centers this article, some background precedes its main topic. It begins by defining and distinguishing federal and private student loans. Next is repayment of loans, postponing repayment through deferment, forbearance, extensions, and public-interest assistance and cancellation. Perkins loan deferment, forbearance, and cancellation follow.

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