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Bankruptcy Reform and Credit Cards

Citations

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Cited by:

  1. Viktar Fedaseyeu, 2012. "Debt Collection Agencies and the Supply of Consumer Credit," Working Papers 442, IGIER (Innocenzo Gasparini Institute for Economic Research), Bocconi University.
  2. Cohen-Cole, Ethan & Duygan-Bump, Burcu & Montoriol-Garriga, Judit, 2013. "Who gets credit after bankruptcy and why? An information channel," Journal of Banking & Finance, Elsevier, vol. 37(12), pages 5101-5117.
  3. Leora Klapper, 2011. "Saving Viable Businesses : The Effect of Insolvency Reform," World Bank Publications - Reports 11056, The World Bank Group.
  4. Borys Grochulski, 2007. "Optimal Personal Bankruptcy Design: A Mirrlees Approach," 2007 Meeting Papers 1008, Society for Economic Dynamics.
  5. Makoto Nakajima, 2009. "Equilibrium Default and Temptation," 2009 Meeting Papers 863, Society for Economic Dynamics.
  6. Wifo, 2022. "WIFO-Monatsberichte, Heft 12/2022," WIFO Monatsberichte (monthly reports), WIFO, vol. 95(12), December.
  7. Lukasz A. Drozd & Ricardo Serrano-Padial, 2013. "Modeling the credit card revolution: the role of debt collection and informal bankruptcy," Working Papers 13-12, Federal Reserve Bank of Philadelphia.
  8. Viktar Fedaseyeu & Robert M. Hunt, 2014. "The economics of debt collection: enforcement of consumer credit contracts," Working Papers 14-7, Federal Reserve Bank of Philadelphia.
  9. Song Han & Geng Li, 2011. "Household Borrowing after Personal Bankruptcy," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 43, pages 491-517, March.
  10. Daniel, Sanches, 2011. "A dynamic model of unsecured credit," Journal of Economic Theory, Elsevier, vol. 146(5), pages 1941-1964, September.
  11. Halford, Joseph T. & Hayes, Rachel M. & Sibilkov, Valeriy, 2024. "Personal bankruptcy costs, union bargaining power, and capital structure," Journal of Banking & Finance, Elsevier, vol. 168(C).
  12. Elizondo Alan & Seira Enrique, 2014. "Are Information Disclosure Mandates Effective? Evidence from the Credit Card Market," Working Papers 2014-18, Banco de México.
  13. Igor Livshits & James C. Mac Gee & Michèle Tertilt, 2016. "The Democratization of Credit and the Rise in Consumer Bankruptcies," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 83(4), pages 1673-1710.
  14. Fedaseyeu, Viktar, 2020. "Debt collection agencies and the supply of consumer credit," Journal of Financial Economics, Elsevier, vol. 138(1), pages 193-221.
  15. Song Han & Benjamin J. Keys & Geng Li, 2011. "Credit supply to personal bankruptcy filers: evidence from credit card mailings," Finance and Economics Discussion Series 2011-29, Board of Governors of the Federal Reserve System (U.S.).
  16. Garrett, Thomas A. & Wall, Howard J., 2014. "Personal-Bankruptcy Cycles," Macroeconomic Dynamics, Cambridge University Press, vol. 18(7), pages 1488-1507, October.
  17. Michelle White & Wenli Li, 2011. "Residential Mortgage Default and Consumer Bankruptcy: Theory and Empirical Evidence," 2011 Meeting Papers 1038, Society for Economic Dynamics.
  18. Will Dobbie & Paul Goldsmith‐Pinkham & Neale Mahoney & Jae Song, 2020. "Bad Credit, No Problem? Credit and Labor Market Consequences of Bad Credit Reports," Journal of Finance, American Finance Association, vol. 75(5), pages 2377-2419, October.
  19. Marianne Bertrand & Adair Morse, 2016. "Trickle-Down Consumption," The Review of Economics and Statistics, MIT Press, vol. 98(5), pages 863-879, December.
  20. Igor Livshits, 2015. "Recent Developments In Consumer Credit And Default Literature," Journal of Economic Surveys, Wiley Blackwell, vol. 29(4), pages 594-613, September.
  21. Barry Scholnick & Hyungsuk Byun, 2016. "Do Slot Machines Cause Bankruptcy? A Regulatory Natural Experiment with Exogenous Changes to Slot Locations," ERSA conference papers ersa16p607, European Regional Science Association.
  22. Daniel Hojman & Alvaro Miranda & Jaime Ruiz-Tagle, 2013. "Over Indebtedness and Depression: Sad Debt or Sad Debtors?," Working Papers wp385, University of Chile, Department of Economics.
  23. Mikhed, Vyacheslav & Raina, Sahil & Scholnick, Barry & Zhang, Man, 2024. "Debtor income manipulation in consumer credit contracts," Journal of Financial Economics, Elsevier, vol. 157(C).
  24. Robert Scott & Steven Pressman, 2013. "Household Debt and Income Distribution," LIS Working papers 589, LIS Cross-National Data Center in Luxembourg.
  25. Dal Borgo Mariela, 2021. "Do Bankruptcy Protection Levels Affect Households' Demand for Stocks?," Working Papers 2021-03, Banco de México.
  26. Joydeep Bhattacharya & Monisankar Bishnu & Min Wang, 2024. "Credit Markets with Time‐Inconsistent Agents and Strategic Loan Default," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 56(7), pages 1803-1831, October.
  27. Neale Mahoney, 2012. "Bankruptcy as Implicit Health Insurance," NBER Working Papers 18105, National Bureau of Economic Research, Inc.
  28. Jonathan Bauchet & David Evans, 2019. "Personal Bankruptcy Determinants Among U.S. Households During the Peak of the Great Recession," Journal of Family and Economic Issues, Springer, vol. 40(4), pages 577-591, December.
  29. Piero Montebruno & Olmo Silva & Nikodem Szumilo, 2025. "Judge Dread: Court severity, repossession risk and demand in mortgage and housing markets," The Economic Journal, Royal Economic Society, vol. 135(669), pages 1677-1710.
  30. Neale Mahoney, 2011. "Bankruptcy as Implicit Health Insurance," Discussion Papers 10-023, Stanford Institute for Economic Policy Research.
  31. Antonio Jose Mendes Ferreira & Paulo Jorge de Almeida Pereira & Carla Ramos, 2026. "Financial Literacy and Determinants of Personal Insolvency in Portugal," Economic Alternatives, University of National and World Economy, Sofia, Bulgaria, issue 2, pages 736-763, June.
  32. Juan M. Sanchez, 2008. "The Role of Information in Consumer Debt and Bankruptcy," 2008 Meeting Papers 523, Society for Economic Dynamics.
  33. Romeo, Charles & Sandler, Ryan, 2021. "The effect of debt collection laws on access to credit," Journal of Public Economics, Elsevier, vol. 195(C).
  34. repec:cie:wpaper:1408 is not listed on IDEAS
  35. Slava Mikhed & Sahil Raina & Barry Scholnick & Man Zhang, 2022. "Debtor Fraud in Consumer Debt Renegotiation," Working Papers 22-35, Federal Reserve Bank of Philadelphia.
  36. Gordon, Grey, 2017. "Optimal bankruptcy code: A fresh start for some," Journal of Economic Dynamics and Control, Elsevier, vol. 85(C), pages 123-149.
  37. Hyungsuk Byun & Barry Scholnick, 2017. "Spatial Commitment Devices and Addictive Goods: Evidence from the Removal of Slot Machines from Bars," Working Papers 17-34, Federal Reserve Bank of Philadelphia.
  38. Stefan Angel & Philipp Warum, 2022. "Privatkonkurse in Österreich. Institutionen, Entwicklung und Charakteristika seit 1995," WIFO Monatsberichte (monthly reports), WIFO, vol. 95(12), pages 823-837, December.
  39. Robert Scott, 2010. "Credit Card Ownership Among American High School Seniors: 1997–2008," Journal of Family and Economic Issues, Springer, vol. 31(2), pages 151-160, June.
  40. Meta Brown & Rajashri Chakrabarti & Felipe Severino, 2024. "Personal Bankruptcy Protection and Household Debt," Staff Reports 1099, Federal Reserve Bank of New York.
  41. Adkisson, Richard V. & Saucedo, Eduardo, 2012. "Emulation and state-by-state variations in bankruptcy rates," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 41(4), pages 400-407.
  42. Charles Sprenger & Joanna Stavins, 2008. "Credit card debt and payment use," Working Papers 08-2, Federal Reserve Bank of Boston.
  43. María Laura Alzúa & Guillermo Cruces & Carolina Lopez, 2015. "Youth Training Programs Beyond Employment. Experimental Evidence from Argentina," CEDLAS, Working Papers 0177, CEDLAS, Universidad Nacional de La Plata.
  44. Claus Thustrup Kreiner & Søren Leth-Petersen & Louise Charlotte Willerslev-Olsen, 2020. "Financial Trouble Across Generations: Evidence from the Universe of Personal Loans in Denmark," The Economic Journal, Royal Economic Society, vol. 130(625), pages 233-262.
  45. Makoto Nakajima, 2012. "Rising indebtedness and temptation: A welfare analysis," Quantitative Economics, Econometric Society, vol. 3(2), pages 257-288, July.
  46. Ciliberto, Federico & Schenone, Carola, 2012. "Bankruptcy and product-market competition: Evidence from the airline industry," International Journal of Industrial Organization, Elsevier, vol. 30(6), pages 564-577.
  47. Stuart G McIntyre, 2017. "Personal indebtedness, community characteristics and theft crimes," Urban Studies, Urban Studies Journal Limited, vol. 54(10), pages 2395-2419, August.
  48. Sarah S. Jiang & Lucia F. Dunn, 2013. "New Evidence On Credit Card Borrowing And Repayment Patterns," Economic Inquiry, Western Economic Association International, vol. 51(1), pages 394-407, January.
  49. Chintal Desai & Andre Mollick, 2014. "On Consumer Credit Outcomes in the U.S.-Mexico Border Region," Journal of Financial Services Research, Springer;Western Finance Association, vol. 45(1), pages 91-115, February.
  50. Eduardo Dávila, 2020. "Using Elasticities to Derive Optimal Bankruptcy Exemptions," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 87(2), pages 870-913.
  51. Jesper Berg & Morten Bækmand Nielsen & James Vickery, 2018. "Peas in a pod? Comparing the U.S. and Danish mortgage finance systems," Economic Policy Review, Federal Reserve Bank of New York, issue 24-3, pages 63-87.
  52. Athreya, Kartik & Tam, Xuan S. & Young, Eric R., 2009. "Unsecured credit markets are not insurance markets," Journal of Monetary Economics, Elsevier, vol. 56(1), pages 83-103, January.
  53. Wenli Li & Michelle J. White & Ning Zhu, 2011. "Did Bankruptcy Reform Cause Mortgage Defaults to Rise?," American Economic Journal: Economic Policy, American Economic Association, vol. 3(4), pages 123-147, November.
  54. Xu, Xincheng & Xu, Buguo, 2025. "The inhibitory effect of personal bankruptcy laws on household debt: Evidence from a pilot program," Finance Research Letters, Elsevier, vol. 81(C).
  55. Stephanie Moulton & Donald Haurin & Samuel Dodini & Maximilian D. Schmeiser, 2020. "How federally insured reverse mortgages affect the credit outcomes of older adults," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(4), pages 1298-1327, December.
  56. Giovanni Mastrobuoni & Matthew Weinberg, 2009. "Heterogeneity in Intra-monthly Consumption Patterns, Self-Control, and Savings at Retirement," American Economic Journal: Economic Policy, American Economic Association, vol. 1(2), pages 163-189, August.
  57. Hongchang Wang & Eric M. Overby, 2022. "How Does Online Lending Influence Bankruptcy Filings?," Management Science, INFORMS, vol. 68(5), pages 3309-3329, May.
  58. Makoto Nakajima, 2013. "A tale of two commitments: equilibrium default and temptation," Working Papers 14-1, Federal Reserve Bank of Philadelphia.
  59. Rajashri Chakrabarti & Nathaniel Pattison, 2019. "Auto Credit and the 2005 Bankruptcy Reform: The Impact of Eliminating Cramdowns," The Review of Financial Studies, Society for Financial Studies, vol. 32(12), pages 4734-4766.
  60. Ethan Cohen-Cole, 2009. "The option value of consumer bankruptcy," Supervisory Research and Analysis Working Papers QAU09-1, Federal Reserve Bank of Boston.
  61. Lee, Ho-Seok & Lim, Byung Hwa, 2023. "Personal bankruptcy and post-bankruptcy liquidity constraint," Journal of Banking & Finance, Elsevier, vol. 152(C).
  62. Vyacheslav Mikhed & Barry Scholnick, 2015. "Who is screened out of social insurance programs by entry barriers? Evidence from consumer bankruptcies," Working Papers 15-40, Federal Reserve Bank of Philadelphia.
  63. Xie, Jiaping & Wei, Lihong & Zhu, Weijun & Zhang, Weisi, 2021. "Platform supply chain pricing and financing: Who benefits from e-commerce consumer credit?," International Journal of Production Economics, Elsevier, vol. 242(C).
  64. Eric Helland & Anupam B. Jena & Dan P. Ly & Seth A. Seabury, 2016. "Self-insuring against Liability Risk: Evidence from Physician Home Values in States with Unlimited Homestead Exemptions," NBER Working Papers 22031, National Bureau of Economic Research, Inc.
  65. Filotto, Umberto & Salerno, Dario & Sampagnaro, Gabriele & Stella, Gian Paolo, 2024. "Riding the wave of change: Buy now, pay later as a disruptive threat to payment cards in the global market," Research in International Business and Finance, Elsevier, vol. 72(PA).
  66. Danisewicz, Piotr & Elard, Ilaf, 2023. "The real effects of financial technology: Marketplace lending and personal bankruptcy," Journal of Banking & Finance, Elsevier, vol. 155(C).
  67. Eryzhenskiy, Ilya, 2025. "Intergenerational redistribution with endogenous constraints to household debt," Journal of Mathematical Economics, Elsevier, vol. 116(C).
  68. Daniel Grodzicki & Sergei Koulayev, 2021. "Sustained credit card borrowing," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(2), pages 622-653, June.
  69. Ye (George) Jia, 2015. "The impact of personal bankruptcy law on entrepreneurship," Canadian Journal of Economics, Canadian Economics Association, vol. 48(2), pages 464-493, May.
  70. Benjamin B Boozer & S. Keith Lowe & Robert J. Landry III, 2014. "Personal Financial Decisions: A Study of Changes in Homestead Exemption Levels and Consumer Bankruptcy Choices," The International Journal of Business and Finance Research, The Institute for Business and Finance Research, vol. 8(4), pages 17-26.
  71. Lihong Wei & Jiaping Xie & Weijun Zhu & Qinglin Li, 2023. "Pricing of platform service supply chain with dual credit: Can you have the cake and eat it?," Annals of Operations Research, Springer, vol. 321(1), pages 589-661, February.
  72. Nakajima, Makoto, 2017. "Assessing bankruptcy reform in a model with temptation and equilibrium default," Journal of Public Economics, Elsevier, vol. 145(C), pages 42-64.
  73. Charles Grant, 2021. "The Evolution of Arrears among US Households 1995–2013," JRFM, MDPI, vol. 14(2), pages 1-40, January.
  74. 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.
  75. Vyacheslav Mikhed & Barry Scholnick, 2014. "Financial benefits, travel costs, and bankruptcy," Working Papers 14-18, Federal Reserve Bank of Philadelphia.
  76. Paul Cavelaars & Joost Passenier, 2012. "Follow the money: what does the literature on banking tell prudential supervisors on bank business models?," DNB Working Papers 336, Netherlands Central Bank, Research Department.
  77. Nadja König, 2016. "Household Debt and Macrodynamics - How do Income Distribution and Insolvency Regulations interact?," Macroeconomics and Finance Series 201603, University of Hamburg, Department of Socioeconomics.
  78. Stefania Albanesi & Jaromir Nosal, 2016. "Personal Bankruptcy in the US: Effects of the 2005 Reform," ifo DICE Report, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 13(4), pages 08-14, 02.
  79. Ethan Cohen-Cole & Burcu Duygan-Bump, 2008. "Household bankruptcy decision: the role of social stigma vs. information sharing," Supervisory Research and Analysis Working Papers QAU08-6, Federal Reserve Bank of Boston.
  80. György Walter & Ferenc Illés & Fanni Tóth, 2022. "How does the leniency of personal bankruptcy law affect entrepreneurship in EU countries?," PLOS ONE, Public Library of Science, vol. 17(7), pages 1-16, July.
  81. Michelle M. Miller, 2015. "Social Networks and Personal Bankruptcy," Journal of Empirical Legal Studies, John Wiley & Sons, vol. 12(2), pages 289-310, June.
  82. György Walter & Jens Valdemar Krenchel, 2021. "The Leniency of Personal Bankruptcy Regulations in the EU Countries," Risks, MDPI, vol. 9(9), pages 1-20, September.
  83. Wenli Li & Michelle J. White, 2009. "Mortgage Default, Foreclosure, and Bankruptcy," NBER Working Papers 15472, National Bureau of Economic Research, Inc.
  84. RIUTORT, Julio & VALLEJOS, Benjamín, 2025. "Voluntary bankruptcy and long-term credit exclusion: evidence from Chile," Economics Letters, Elsevier, vol. 257(C).
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