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Personal Bankruptcy Law, Fresh Starts, and Judicial Practice

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Author Info

  • Régis Blazy
  • Bertrand Chopard
  • Eric Langlais
  • Ydriss Ziane

Abstract

We explore the ways French judges respond to the possibility of discharging personal debts in exchange for liquidation of debtors’ assets. We present empirical results on the determinants of judicial selection between debtors whose debts are wiped out and those who have to reimburse them. We find that French judges tend to disqualify debtors with multiple creditors from debt discharge, and are sensitive to regional labor market conditions. These empirical results help us understand better how French personal bankruptcy laws perform compared to other national systems. Finally, our results serve to fill the gap between bankruptcy rules and judicial practice.

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File URL: http://economix.fr/pdf/dt/2011/WP_EcoX_2011-15.pdf
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Bibliographic Info

Paper provided by University of Paris West - Nanterre la Défense, EconomiX in its series EconomiX Working Papers with number 2011-15.

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Length: 15 pages
Date of creation: 2011
Date of revision:
Handle: RePEc:drm:wpaper:2011-15

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Postal: 200 Avenue de la République, Bât. G - 92001 Nanterre Cedex
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Web page: http://economix.fr
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Keywords: Personal bankruptcy; over-indebtedness;

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References

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  1. Ethan Cohen-Cole & Burcu Duygan-Bump & Judit Montoriol-Garriga, 2009. "Forgive and forget: who gets credit after bankruptcy and why?," Risk and Policy Analysis Unit Working Paper QAU09-2, Federal Reserve Bank of Boston.
  2. Wang, H.J. & White, M., 1998. "An Optimal Personal Bankruptcy Procedure and Proposed Reform," Papers 98-07, Michigan - Center for Research on Economic & Social Theory.
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Cited by:
  1. Miguel García-Posada & Juan S. Mora-Sanguinetti, 2013. "Are there alternatives to bankruptcy? a study of small business distress in Spain," Banco de Espa�a Working Papers 1315, Banco de Espa�a.
  2. Régis Blazy & Bertrand Chopard & Eric Langlais & Ydriss Ziane, 2012. "L’effacement des dettes des particuliers surendettés : Une étude empirique des décisions judiciaires," EconomiX Working Papers 2012-10, University of Paris West - Nanterre la Défense, EconomiX.

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