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Author: Bronson Argyle
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Book Description
Compiling new liability-level data from the balance sheets of personal bankruptcy filers, we document that a sizable share of reported liabilities are "shadow debt," debt not reported to credit bureaus that often arises from the non-payment of goods and services. We use this new data to evaluate how debtor cash flows affect when consumers file for bankruptcy and how much debt they have at bankruptcy. We find that filers respond to a quasi-exogenous $100 increase in monthly cash flows by delaying filing by an average of one month and by increasing unsecured indebtedness by $4,000 in the months preceding filing. A large share of the additional debt incurred by delaying filers is shadow debt, and our effects are concentrated among filers without employment, health, or marriage shocks.
Author: Bronson Argyle
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Book Description
Compiling new liability-level data from the balance sheets of personal bankruptcy filers, we document that a sizable share of reported liabilities are "shadow debt," debt not reported to credit bureaus that often arises from the non-payment of goods and services. We use this new data to evaluate how debtor cash flows affect when consumers file for bankruptcy and how much debt they have at bankruptcy. We find that filers respond to a quasi-exogenous $100 increase in monthly cash flows by delaying filing by an average of one month and by increasing unsecured indebtedness by $4,000 in the months preceding filing. A large share of the additional debt incurred by delaying filers is shadow debt, and our effects are concentrated among filers without employment, health, or marriage shocks.
Author: James P. Caher
Publisher: Holt Paperbacks
ISBN: 146686057X
Category : Law
Languages : en
Pages : 301
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Book Description
Debt Free! is a clear, practical guide that helps readers get past the stigma of bankruptcy and on their way to financial recovery.
Author: Richard M. Stana
Publisher: DIANE Publishing
ISBN: 0788174878
Category :
Languages : en
Pages : 50
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Book Description
Author: James P. Caher
Publisher: For Dummies
ISBN: 9780764554988
Category : Business & Economics
Languages : en
Pages : 388
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Book Description
The number of new personal bankruptcies filed each year continue to increase. And there is no relief in sight. Bankruptcy is never a painless or easy decision, but with a little know-how, you can get through this process with a minimum of headache, heartache, and indigestion. With a clear focus towards the future, you can then begin to get your finances—and your life—back in order. If you’re considering bankruptcy, are currently in the process of filing for bankruptcy, or on the brink of bankruptcy and looking for a way to get through debt, Personal Bankruptcy For Dummies can help you make the best decisions about your financial future. Personal Bankruptcy For Dummies is a nuts-and-bolts toolbox, which covers both Chap7 and Chapter 13 bankruptcy. Written by two seasoned experts on bankruptcy law, this easy-to-follow guide walks you through the bankruptcy process and explains how to rebuild your credit after filing for bankruptcy. Straightforward answers and re liable advice can help you sort out all of your possibilities, with a clear understanding of what you have to gain and what’s to lose. This carefully written guidebook will show you how to: Consider alternatives to bankruptcy Decide which type of bankruptcy is right for you Prevent further financial damage before filing for bankruptcy Defend yourself from bill collectors and the IRS Save your home and other important assets Wipe out credit card debt Use bankruptcy to deal with tax debts Repair your credit and stay out of financial trouble Filled with expert tips and tactics for navigating the world of bankruptcy, Personal Bankruptcy For Dummies gives you the ammunition and information you need to intelligently and confidently choose your own best path and get back on your feet again.
Author: William C. Hillman
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 380
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Book Description
Author: Kenneth J. Doran
Publisher: Random House Reference
ISBN: 9780679769767
Category : Business & Economics
Languages : en
Pages : 164
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Book Description
Author: Alice Griffin
Publisher:
ISBN: 9780963634108
Category : Business & Economics
Languages : en
Pages : 180
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Book Description
Author: Lita Epstein
Publisher: Penguin
ISBN: 1101195479
Category : Business & Economics
Languages : en
Pages : 320
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Book Description
The essential chapters for those facing Chapter Seven or Chapter Eleven. With the percentage of personal bankruptcies soaring to over 10% nationwide, and the process for filing now more complicated, many are investigating their options. This guide, by a business journalist and bankruptcy expert, offers the reader comprehensive information on: all capters of personal bankruptcy; the most current legal information; and a detailed explanation on filing. ?Jargon-free, pragmatic financial advice ? Clear, complete and up-to-date information about all aspects of personal bankruptcy ? State by state exceptions under new laws ? Complete listing of vital websites to research before filing
Author: United States. General Accounting Office
Publisher:
ISBN:
Category : Bankruptcy
Languages : en
Pages : 96
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Book Description
Author: Lawrence R. Reich
Publisher:
ISBN: 9780886876296
Category : Business & Economics
Languages : en
Pages : 256
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Book Description
This is a reprint of a previously published work. It presents a straightforward step-by-step guide to the ins and outs of personal bankruptcy.
