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NEW BOOK – A new publication entitled “Consumer Credit, Debt and Bankruptcy” provides details on comparative and international perspectives
The discount order form for this book is on the second page of the flyer attached below.

CONSUMER CREDIT, DEBT AND BANKRUPTCY - COMPARATIVE AND INTERNATIONAL PERSPECTIVES
Edited by Johanna Niemi, Iain Ramsay and William C Whitford

After a long period of prosperity and steady economic growth, the world's leading economies are now in crisis, and although there will be debate about its origins, the scale and seriousness of the crisis is in no doubt. There is also no doubt that excessive amounts of consumer credit, allied to a weak understanding of how globalised credit markets might react to a crisis, have played a significant part. This book, which is primarily about credit, debt and the trouble they have led to, is written by authors who have specialised in researching into over-indebtedness, that is, situations in which an individual's debt burden has become overwhelming. For these authors the plight of individuals is a primary concern, but the wider issue is how credit is used and how it changes societies.

The essays in this volume, addressing topics which are fundamental to our understanding of the current crisis, range widely across the whole sector of consumer finance, including mortgages, 'credit-binges', the regulation of consumer lending, insolvency, repayment plans, debt counselling and much more besides. The conclusions drawn from the book are equally wide-ranging, but above all the lesson learned from these essays is that the financialisation of contemporary life ensures that issues of the appropriate role of credit remain of critical importance in society.

THE EDITORS
Johanna Niemi is Senior Researcher at National Research Institute of Legal Policy, Helsinki, Finland.
Iain Ramsay is Professor of Law at Kent Law School, University of Kent at Canterbury.
William C Whitford is Emeritus Professor of Law at the University of Wisconsin Law School.


CONTENTS
Introduction Johanna Niemi, Iain Ramsay, William C Whitford

I CHANGING CONSUMER CREDIT MARKETS
1. Inequality and Access to Financial Services Gregory D Squires
2. The Political Economy of Consumer Credit Securitization: Comparing
3. Consumer Overindebtedness in Brazil and the Need for New Consumer
4. 'Wannabe WAGS' and 'Credit Binges': The Construction of

II TOPICS IN CONSUMER CREDIT REGULATION
5. Overindebted Households and Law: Prevention and Rehabilitation in Europe Johanna Niemi
6. 'A Call to Arms'-For Regulation of Consumer Lending Udo Reifner
7. The Political Economy of the EC Consumer Credit Directive Sefa M Franken
8. Disclosure as an Imperfect Means for Addressing Overindebtedness: An Empirical Assessment of Comparative Approaches Susan Block-Lieb, Richard Wiener, Jason A Cantone and Michael Holtje
9. Prevention of Overindebtedness and Mechanisms for Resolving Overindebtedness of South African Consumers Michelle Kelly-Louw
10. The Myth of the Cautious Consumer: Law, Culture, Economics and Politics in the Rise and Partial Fall of Unsecured Lending in Japan Souichirou Kozuka and Luke Nottage

III CONSUMER OVERINDEBTEDNESS AND INSOLVENCIES
11. Making Sense of Nation-Level Bankruptcy Filing Rates Ronald J Mann
12. Overindebtedness and Financial Stress : A Comparative Study in Europe Catarina Frade and Claudia Abreu Lopes
13. Bankruptcy in Germany: Filing Rates and the People behind the Numbers Wolfram Backert, Ditmar Brock, Götz Lechner and Katja Maischatz
14. Elderly Consumer Weakness in 'Withholding Credit' Johannes Doll
15. Two Decades, Three Key Questions, and Evolving Answers in European Consumer Insolvency Law: Responsibility, Discretion, and Sacrifice Jason Kilborn

IV REPAYMENT PLANS
16. A Law-in-Action Approach to Comparative Study of Repayment Forms of Consumer Bankruptcy Jean Braucher
17. Debt Agreements Down Under John Duns and Rosalind Mason
18. Personal Bankruptcy in Korea Soogeun Oh
19. New Labour: More Debt-The Political Response Michael Green
20. Debt Counselling in the Shadow of the Court: The Dutch Experience Nadja Jungmann and Nick Huls

ID: 43910
Publication date: 25/07/09
   
 

Created: 04/08/09. Last changed: 04/08/09.
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