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This blog is about international developments in credit, debt and insolvency. I am Iain Ramsay and I conduct comparative and international research on credit, debt and insolvency.  I have recently published a book Personal Insolvency in the 21st Century: A Comparative Analysis of the US and Europe  and am currently studying comparative approaches to addressing the issue of “No Income: No Asset” debtors, including the English Debt Relief Order. I am also interested in emerging international paradigms of credit regulation since the Great Recession of 2008.