Consumer bankruptcy is one of the largest social insurance programs in the United States,
but little is known about its impact on debtors. We use 500,000 bankruptcy filings matched to …

This paper estimates the effect of Chapter 13 bankruptcy protection on financial health using
a new data set linking bankruptcy filings to credit bureau records. Our empirical strategy …

We examine how consumer credit affects entrepreneurship by linking three million earnings
and pass-through tax records to credit reports. In the cross-section, we show that self …

This paper studies the impact of debt relief, using a natural experiment arising from India's
“Agricultural Debt Waiver and Debt Relief Scheme,” one of the largest household-level debt …

This paper explores the dynamics of unsecured credit supply over the recent credit cycle
and around the passage of the CARD Act. We examine a unique data set of over 200,000 …

We examine how financial technology affects households in terms of personal bankruptcy by
leveraging exogenous variation in marketplace credit supply to Connecticut and New York …

We examine the effects of the bankruptcy benefit and adverse events on the consumer
bankruptcy decision. Employing zero‐inflated ordered probit models and a unique …

Policy makers and researchers are actively debating over the consequences of student debt
for individuals' choices and aggregate quantities in the US. Using micro-level data and …

The article focuses on the impact of the 2008 Insolvency Act in Czech Republic, which
introduced new consumer bankruptcy legislation designed to help debtors become free of …

This article studies the financial decision-making behavior of US families that have
difficulties paying for their medical bills and investigate what alternatives they have to avoid …