IDEAS home Printed from https://ideas.repec.org/
MyIDEAS: Log in (now much improved!) to save this article

L'effacement des dettes des particuliers surendettés : une étude empirique des décisions judiciaires

Listed author(s):
  • Régis Blazy
  • Bertrand Chopard
  • Éric Langlais
  • Ydriss Ziane

This paper explores the mechanisms employed by French judges to discharge personal debts of over-indebted households in exchange for the liquidation of their assets. We use an original database consisting of judiciary decisions between 2003 and 2005. We highlight the determinants of selection between debtors whose debts are cancelled and those who are ordered to repay them. Debtors who are less able to repay have a greater chance of benefiting from a fresh start. If the repayment capacity increases by 1 %, the predicted probability of debt discharge decreases by a little more than 1 %. Overall, courts erase household debts in a rather restrictive way, applying criteria not limited to an assessment of debtors’ financial situation.

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

File URL: http://www.cairn.info/load_pdf.php?ID_ARTICLE=ECOP_202_0081
Download Restriction: free

File URL: http://www.cairn.info/revue-economie-et-prevision-2013-1-page-81.htm
Download Restriction: free

Article provided by La Documentation Française in its journal Economie & prévision.

Volume (Year): n° 202-203 (2013)
Issue (Month): 1 ()
Pages: 81-99

as
in new window

Handle: RePEc:cai:ecoldc:ecop_202_0081
Contact details of provider: Web page: http://www.cairn.info/revue-economie-et-prevision.htm

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

as
in new window


  1. Régis Blazy & Bertrand Chopard & Eric Langlais & Ydriss Ziane, 2013. "Personal Bankruptcy Law, Fresh Starts, and Judicial Practice," Journal of Institutional and Theoretical Economics (JITE), Mohr Siebeck, Tübingen, vol. 169(4), pages 680-702, December.
  2. 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.
  3. Filer, Larry & Fisher, Jonathan D., 2007. "Do liquidity constraints generate excess sensitivity in consumption? New evidence from a sample of post-bankruptcy households," Journal of Macroeconomics, Elsevier, vol. 29(4), pages 790-805, December.
  4. Astrid A. Dick & Andreas Lehnert, 2010. "Personal Bankruptcy and Credit Market Competition," Journal of Finance, American Finance Association, vol. 65(2), pages 655-686, 04.
  5. Scott Fay & Erik Hurst & Michelle J. White, 2002. "The Household Bankruptcy Decision," American Economic Review, American Economic Association, vol. 92(3), pages 706-718, June.
  6. Cécile Bourreau-Dubois & Bertrand Chopard & Ydriss Ziane, 2010. "Analyse du traitement du surendettement des particuliers," Revue française d'économie, Presses de Sciences-Po, vol. 0(3), pages 3-37.
  7. Henri Fraisse & Anne Muller, 2011. "Les commissions de surendettement des ménages : de l’objectif de négociation à la prévention de la rechute," Économie et Statistique, Programme National Persée, vol. 443(1), pages 3-27.
Full references (including those not matched with items on IDEAS)

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

When requesting a correction, please mention this item's handle: RePEc:cai:ecoldc:ecop_202_0081. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Jean-Baptiste de Vathaire)

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.

This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.