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Debt-based driving restrictions: new resources
02/06/2023 Professor Kate Elengold and UNC Law 2L Michael Leyendecker have just posted very useful reports for no charge on the Social Science Research Network. ...[more]Bankruptcy Filing Rate Is Lowest Since Bankruptcy Code's Enactment--The Question Is Why
12/27/2021 ...[more]Personal Insolvency in Asia and Currency Comparison
09/08/2021 While Shenzhen has gotten all the good press since its March launch of the first personal bankruptcy regime in Mainland China, a number of other Asian regimes have also been on the move. ...[more]Recommended reading: Afsharipour on Women and M&A
08/13/2021 For many reasons and no reasons, blogging on Credit Slips during the COVID-19 pandemic has not come easy, or at all, for me ( Twitter, a different story ). Rejoining the Credit Slips conversation by recommending scholarship relevant to bankrupty-land ...[more]Bankruptcy Filings Are Still Super Low--Don't Believe the Headlines
04/08/2021 Headlines recently appeared in the usual places about a big March jump in bankruptcy filings. It is true that March 2021 total bankruptcy filings were 43,425 (according to the Epiq Systems data) and that was a 39.1% increase from February 2021. That looks ...[more]Update on Churches Filing Chapter 11 Bankruptcy
11/04/2020 As parts of the country are counting ballots, I thought I'd post about counting church chapter 11 cases. The headlines about churches and other religious organizations filing chapter 11 still focus predominately -- almost exclusively -- on Catholic ...[more]Most of What You Read about the Bankruptcy Filing Rate Is Wrong
08/05/2020 A popular narrative is that bankruptcy filing rates are increasing dramatically. That is not true. If you want to know what is happening with the bankruptcy filing rate during covid-19, the best source is Ed Flynn's analyses over at the American ...[more]How Many People Have Filed Bankruptcy?
06/22/2020 The past few days I had been wondering exactly how many persons in the U.S. have filed bankruptcy. By that, I don't mean how many filed last week, last month, or last year. Rather, how many persons walking around the U.S. have ever filed a bankruptcy ...[more]Chapter 11 Filings in May Are Not Up as Much as Everybody Will Say There Are
06/03/2020 Prediction: you will begin to see stories about an explosion of chapter 11 filings in May 2020. Well, that is not much of a prediction because I already have seen two. Chapter 11 filings did not explode in May. ...[more]Total Bankruptcy Filings Remain Low, Chapter 11s Not So Much
05/21/2020 An earlier post noted that bankruptcy filings were down substantially over 50% the first two weeks of April. As the American Bankruptcy Institute reported , bankruptcy filings declined by 46% over the entire month and on a year-over-year basis. ...[more]A Coming Consumer Bankruptcy Tsunami, Wave, or Ripple?
04/16/2020 With the Covid-19 pandemic, there has been a lot of talk about a coming surge of consumer bankruptcy filings. In the very short-term, however, bankruptcy filing numbers are down. According to data from Epiq Systems , daily bankruptcy filings declined ...[more]Consumer Bankruptcy, Done Correctly, To Help Struggling Americans
01/07/2020 Today, Senator Elizabeth Warren unveiled her new plan to reform the consumer bankruptcy system . The plan is simple, yet elegant. It is based on actual data and research (including some of my own with Consumer Bankruptcy Project co-investigators Slipster ...[more]Bankruptcy Filing Rate Remains Flat
11/14/2019 Every month I see stories about the bankruptcy rate moving up and down. The truth is that the U.S. ...[more]Driven to Bankruptcy — New Research from the Consumer Bankruptcy Project
09/16/2019 In America, people drive — to work, to the doctor, to the grocery store, to their kids' daycare, to see their aging parents. Research shows that car ownership increases the probability of employment and number of hours worked; households without cars ...[more]Counting Healthcare Chapter 11 Filings: Are There More Than Expected?
05/23/2019 This post is co-authored with my student, Kelsey Brandes, rising 3L, IU Maurer School of Law ...[more]More data, please!
02/13/2019 Effective reform requires detailed knowledge of exactly what's being reformed. This is especially true of complex systems like corporate and individual insolvency regimes, with numerous inputs and outputs and carefully counterbalanced policy ...[more]New (from the archives) paper on determinants of personal bankruptcy
02/13/2019 This working paper is a longitudinal empirical study of lower-income homeowners, including a subset of bankruptcy filers, produced with an interdisciplinary team of cross-campus colleagues, including Professor Roberto Quercia , director of UNC's ...[more]Older Americans’ Rising Bankruptcy Filings
08/06/2018 Older Americans (age 65 and over) are increasingly likely to file bankruptcy and now comprise a larger proportion of the people who file bankruptcy -- and the effects are not small. Using data from the Consumer Bankruptcy Project, in a new working paper ...[more]