LEADER 08081nam 22007451c 450 001 9910456732203321 005 20210927213727.0 010 $a1-4725-6050-7 010 $a1-282-44446-8 010 $a9786612444463 010 $a1-84731-522-4 024 7 $a10.5040/9781472560506 035 $a(CKB)2550000000001231 035 $a(EBL)479796 035 $a(OCoLC)586163283 035 $a(SSID)ssj0000336151 035 $a(PQKBManifestationID)12117244 035 $a(PQKBTitleCode)TC0000336151 035 $a(PQKBWorkID)10279179 035 $a(PQKB)10707433 035 $a(MiAaPQ)EBC1772458 035 $a(MiAaPQ)EBC479796 035 $a(PPN)147552001 035 $a(Au-PeEL)EBL1772458 035 $a(CaPaEBR)ebr10356638 035 $a(CaONFJC)MIL244446 035 $a(OCoLC)893332086 035 $a(UtOrBLW)bpp09256075 035 $a(Au-PeEL)EBL479796 035 $a(EXLCZ)992550000000001231 100 $a20140929d2009 uy 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 00$aConsumer credit, debt and bankruptcy$ecomparative and international perspectives$fedited by Johanna Niemi, Iain Ramsay and William C. Whitford 205 $a1st ed. 210 1$aOxford$aPortland, Oregon$cHart Publishing$d2009. 215 $a1 online resource (462 p.) 300 $aSelected papers from the meeting of the Law and Society Association held in Berlin during July 2007 311 $a1-84113-258-6 320 $aIncludes bibliographical references and index 327 $aInequality and access to financial services / Gregory D Squires -- The political economy of consumer credit securitization : comparing predatory lending in home finance in the US, UK, Germany and Japan / Christopher L Peterson -- Consumer overindebtedness in Brazil and the need for new consumer bankruptcy legislation / Claudia Lima-Marques and Antonio Benjamin -- 'Wannabe WAGS' and 'credit binges' : the constructions of overindebtedness in the UK / Iain Ramsay -- Overindebted households and law : prevention and rehabilitation in Europe / Johanna Niemi -- 'A call to arms' : for regulation of consumer lending / Udo Reifner -- The political economy of the EC consumer credit directive / Sefa M Franklin -- Disclosure as an imperfect means for addressing overindebtedness : an empirical assessment of comparative approaches / Susan Block-Lied ... [et al.]. -- Prevention of overindebtedness and mechanisms for resolving overindebtedness of South African consumers / Michelle Kelly-Louw -- The myth of the cautious consumer : law, culture, economics and politics in the rise and partial fall of unsecured lending in Japan / Souichirou Kozuka and Luke Nottage -- Making sense of nation-level bankruptcy filing rates / Ronald J Mann -- Overindebtedness and financial stress : a comparative study in Europe / Catarina Frade and Claudia Abreu Lopes -- Bankruptcy in Germany : filing rates and the people behind the numbers / Wolfram Backert ... [et al.] -- Elderly consumer weakness in 'withholding credit' / Johannes Doll -- Two decades, three key questions, and evolving answers in European consumer insolvency law : responsibility, discretion, and sacrifice / Jason Kilborn -- A law-in-action approach to comparative study of repayment forms of consumer bankruptcy / Jean Braucher -- Debt agreements from down under / John Duns and Rosalind Mason -- Personal bankruptcy in Korea / Soogeun Oh --New labour : more debt : the political response / Michael Green -- Debt counseling in the shadow of the court : the Dutch experience / Nadja Jungmann and Nick Huls 327 $aIntroduction -- Johanna Niemi, Iain Ramsay, William C Whitford -- I Changing Consumer Credit Markets -- 1. Inequality and Access to Financial Services Gregory D Squires -- 2. The Political Economy of Consumer Credit Securitization: Comparing Predatory Lending in Home Finance in the US, UK, Germany and Japan Christopher L Peterson -- 3. Consumer Overindebtedness in Brazil and the Need for New Consumer Bankruptcy Legislation Cla?udia Lima-Marques and Anto?nio Benjamin -- 4. 'Wannabe WAGS' and 'Credit Binges': The Construction of Overindebtedness in the UK Iain Ramsay -- II Topics in Consumer Credit Regulation -- 5. Overindebted Households and Law: Prevention and Rehabilitation in Europe Johanna Niemi -- 6. 'A Call to Arms'-For Regulation of Consumer Lending Udo Reifner -- 7. The Political Economy of the EC Consumer Credit Directive Sefa M Franken -- 8. Disclosure as an Imperfect Means for Addressing Overindebtedness: An Empirical Assessment of Comparative Approaches Susan Block-Lieb, Richard Wiener, Jason A Cantone and Michael Holtje -- 9. Prevention of Overindebtedness and Mechanisms for Resolving Overindebtedness of South African Consumers Michelle Kelly-Louw -- 10. The Myth of the Cautious Consumer: Law, Culture, Economics and Politics in the Rise and Partial Fall of Unsecured Lending in Japan Souichirou Kozuka and Luke Nottage -- III Consumer Overindebtedness and Insolvencies -- 11. Making Sense of Nation-Level Bankruptcy Filing Rates Ronald J Mann -- 12. Overindebtedness and Financial Stress : A Comparative Study in Europe Catarina Frade and Claudia Abreu Lopes -- 13. Bankruptcy in Germany: Filing Rates and the People behind the Numbers Wolfram Backert, Ditmar Brock, Go?tz Lechner and Katja Maischatz -- 14. Elderly Consumer Weakness in 'Withholding Credit' Johannes Doll -- 15. Two Decades, Three Key Questions, and Evolving Answers in European Consumer Insolvency Law: Responsibility, Discretion, and Sacrifice Jason Kilborn -- IV Repayment Plans -- 16. A Law-in-Action Approach to Comparative Study of Repayment Forms of Consumer Bankruptcy Jean Braucher -- 17. Debt Agreements Down Under John Duns and Rosalind Mason -- 18. Personal Bankruptcy in Korea Soogeun Oh -- 19. New Labour: More Debt-The Political Response Michael Green -- 20. Debt Counselling in the Shadow of the Court: The Dutch Experience Nadja Jungmann and Nick Huls 330 8 $aAfter a long period of prosperity and steady economic growth, the world's leading economies are now in crisis, and although there will be debate about its origins, the scale and seriousness of the crisis is in no doubt. There is also no doubt that excessive amounts of consumer credit, allied to a weak understanding of how globalised credit markets might react to a crisis, have played a significant part. This book, which is primarily about credit, debt and the trouble they have led to, is written by authors who have specialised in researching into over-indebtedness, that is, situations in which an individual's debt burden has become overwhelming. For these authors the plight of individuals is a primary concern, but the wider issue is how credit is used and how it changes societies. The essays in this volume, addressing topics which are fundamental to our understanding of the current crisis, range widely across the whole sector of consumer finance, including mortgages, 'credit-binges', the regulation of consumer lending, insolvency, repayment plans, debt counselling and much more besides. The conclusions drawn from the book are equally wide-ranging, but above all the lesson learned from these essays is that the financialisation of contemporary life ensures that issues of the appropriate role of credit remain of critical importance in society 606 $aConsumer credit$xLaw and legislation$vCongresses 606 $2Consumer protection law 606 $aDebtor and creditor$vCongresses 606 $aBankruptcy$vCongresses 608 $aElectronic books. 615 0$aConsumer credit$xLaw and legislation 615 0$aDebtor and creditor 615 0$aBankruptcy 676 $a332.743 702 $aNiemi$b Johanna$f1957- 702 $aRamsay$b Iain 702 $aWhitford$b William C.$f1940- 801 0$bUtOrBLW 801 1$bUtOrBLW 801 2$bUkLoBP 906 $aBOOK 912 $a9910456732203321 996 $aConsumer credit, debt and bankruptcy$92458980 997 $aUNINA