Personal insolvency in the 21st century : a comparative analysis of the US and Europe / Iain Ramsay.
2017
K1375 .R36 2017 (Map It)
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Details
Author
Title
Personal insolvency in the 21st century : a comparative analysis of the US and Europe / Iain Ramsay.
Published
Oxford ; Portland, Oregon : Hart Publishing, 2017.
Call Number
K1375 .R36 2017
ISBN
9781849468091 (hardback ; alk. paper)
1849468095 (hardback ; alk. paper)
9781509900985 (ePDF)
9781509900992 (ePub)
1849468095 (hardback ; alk. paper)
9781509900985 (ePDF)
9781509900992 (ePub)
Description
ix, 209 pages : illustrations ; 24 cm
System Control No.
(OCoLC)967387928
Bibliography, etc. Note
Includes bibliographical references and index.
Available in Other Form
Online version: Ramsay, Iain. Personal insolvency in the 21st century. Portland, Oregon : Hart Publishing, 2017 9781509900992 (DLC) 2016059674
Record Appears in
Variant Title
Personal insolvency in the twenty-first century
Gift
Purchased from the income of the Szladits Fund
Gift
The Arthur W. Diamond Law Library
Purchased from the income of the Szladits Fund
Table of Contents
Preface and Acknowledgements
v
1.
Rise of Personal Insolvency Law
1
I.
Introduction
1
II.
Explanations for Stability and Change in Personal Insolvency Law
11
A.
Role of Narratives in Personal Insolvency Policy
16
III.
Household Debt, Neo-liberalism, and Personal Insolvency Law
24
A.
False Dichotomies?---US Neo-liberalism versus EU Social Market?
28
B.
Demographics of Personal Insolvency---US and Europe
31
IV.
Summary
33
2.
US Exceptionalism?
34
I.
Introduction
34
II.
Challenge of the Wage Earner Debtor: The 1930s
37
III.
Wage Earner as Consumer Debtor: 1950s--1978
42
IV.
Layering and Changing the Narrative: 1978--97
50
A.
Changing Narratives and `The War of Ideas'
52
V.
BAPCPA 2005---the Great Recession and the Future
56
A.
Great Recession as a Critical Juncture?
60
VI.
Role of the State in US Bankruptcy Law
62
VII.
Discussion
66
3.
Drift, Conversion, and Layering: England and Wales
68
I.
Introduction
68
II.
Players in English Personal Insolvency Reform
72
III.
Drifting---the Sad Life of the English Administration Order
77
A.
Adjusting the Administration Order to the Consumer Debtor? The Cork Committee
81
IV.
Conversion: The Individual Voluntary Arrangement
86
V.
Framing the Policy Response After the Enterprise Act: Borrowing Binges
92
A.
Bankers' Campaign on the IVA
94
VI.
Relief for the Deserving Poor: The Debt Relief Order
99
VII.
Great Recession and Personal Insolvency Law
102
VIII.
Discussion
103
4.
France: Contingency, the Role of Narratives, and the New Droit Social
105
I.
Introduction
105
II.
Over-indebtedness Regulation in Context
106
III.
Development of the Over-indebtedness Regime
108
A.
Phases of French Reforms: From Debt Repayment to Debt Discharge
112
IV.
Legitimating Narratives: From Active to Passive Debtor to...?
116
V.
Changing Institutional Landscape: Commissions, Courts, and the Law in Action
123
A.
Role of the Courts: High Law and Low Law
125
VI.
Discussion
129
5.
Sweden: The Quality of Mercy is Strained
133
I.
Introduction
133
II.
Swedish Regulation of the Consumer Credit Market
136
III.
Development of the Swedish Debt Restructuring System
137
IV.
Who Accesses the Swedish Debt Restructuring System?
142
V.
Debt Counselling and the `Enabling Welfare State'
145
VI.
Five-Year Plan
147
VII.
Protection Against Home Eviction and Mortgage Foreclosure
149
VIII.
Discussion
150
6.
After the Crisis: Towards an International `Common Sense' in Personal Insolvency Law?
152
I.
Introduction
152
II.
International Initiatives: After the Great Recession
154
A.
European Bankruptcy Reform Through Imposition and Technocratic Persuasion
158
III.
European Union Consumer Credit Policy and Personal Insolvency
169
IV.
EU Personal Insolvency Policy after the Crisis
172
V.
EU Narratives
173
A.
Promoting Entrepreneurialism Through Personal Insolvency in the EU: The New `Silver Bullet'?
173
B.
Financial and Social Inclusion
178
VI.
Bankruptcy Tourism, Regulatory Competition, and Regulatory Learning
179
VII.
Towards a European Paradigm?
184
VIII.
Conclusion
187
7.
Conclusion: The Future of Personal Insolvency in the Twenty-First Century
189
I.
Influential Interest Groups
189
II.
Contemporary Narratives of Personal Insolvency
191
III.
Technocracy and Democracy in Personal Insolvency Reform
193
IV.
Limits of Individual Insolvency?
194
Index
199