Saving up for bankruptcy - columbia university
5 pages - 1.3 MB
With regard to total bankruptcy filings, georgia (third) is near the top. but ... interview subjects (judge, trustee, creditors' attorney, and debtors' ...
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SavingUpforBankruptcyRONALDJ.MANNANDKATHERINEPORTER*TABLEOFCONTENTSINTRODUCTION..........................................290I.THEORIESOFBANKRUPTCY..............................293II.METHODOLOGY......................................298A.SELECTINGJURISDICTIONS...........................298B.QUANTITATIVEFILINGDATA..........................299C.SURVEYDATA...................................300D.QUALITATIVEDATA................................301III.EMERGENCIES,EPIPHANIES,ANDTHEPERCEPTIONOFDISTRESS.....304A.COLLECTIONPRESSURES.............................304B.THEMYTHOFTHEEMERGENCYFILING...................307C.COMINGTOTERMSWITHFINANCIALFAILURE...............313IV.DOLLARSDRIVEBANKRUPTCYFILINGS.....................318A.THETAXREFUNDEFFECTANDTHEANNUALPATTERN.........319B.THEPAYCHECKEFFECTANDTHEMONTHLYPATTERN.........323C.THEMEANSTESTEFFECTANDTHEMONTHLYPATTERN........324D.ATTORNEYWORKLOADANDTHEWEEKLYPATTERN...........325V.POLICYIMPLICATIONS.................................327CONCLUSION................
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