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Consumer Debt Repayment Behavior as a Precursor to Bankruptcy

Moorman, Diann C. ; Garasky, Steven

Journal of family and economic issues, 2008-06, Vol.29 (2), p.219-233 [Periódico revisado por pares]

Boston: Springer US

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Título:
Consumer Debt Repayment Behavior as a Precursor to Bankruptcy
Autor: Moorman, Diann C. ; Garasky, Steven
Assuntos: Bankruptcy Abuse Prevention & Consumer Protection Act 2005-US ; Bankruptcy laws ; Bankruptcy reorganization ; Consumer behavior ; Consumer protection ; Consumers ; Debt restructuring ; Family ; Households ; Legislation ; Original Paper ; Personal bankruptcy ; Personal finance ; Personality and Social Psychology ; Regression analysis ; Social Policy ; Social Sciences ; Sociology ; Studies
É parte de: Journal of family and economic issues, 2008-06, Vol.29 (2), p.219-233
Descrição: The passage of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005 culminated years of debate over the escalating number of bankruptcy filings and whether or not consumers were abusing the bankruptcy system. Our study focuses on the extent to which households seek bankruptcy protection without first attempting to restructure their debt or experiencing indicators of financial distress. Through multivariate regression analyses of longitudinal data from the Panel Study of Income Dynamics (PSID), we find a significant relationship between having prior financial problems and filing for bankruptcy. Our results also indicate that households that obtained consolidation loans were equally likely to file for bankruptcy as those that did not. We conclude that early interventions with financially distressed consumers may provide opportunities to reduce bankruptcy filings.
Editor: Boston: Springer US
Idioma: Inglês

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Consumer Debt Repayment Behavior as a Precursor to Bankruptcy

Moorman, Diann C. ; Garasky, Steven

Boston: Springer US

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