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 am currently on a Leverhulme Trust research fellowship studying the development of personal insolvency systems since 1979 in Europe and the US. In Europe I include case studies of France, the UK, and Sweden and then speculate on the future development of EU regulation in the wake of the Great Recession, the subsequent Eurozone crisis and imposition of austerity regimes in several countries. I will be posting material related to the study as it progresses as well as including material on current consumer credit developments in the UK, EU and internationally.
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Latest Posts
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The credit card “sweatbox” and stagnant wages: life in the UK
The ‘sweatbox’ model of credit card lending was set out in a well-known article by Ronald Mann in 2007 (here) . Credit card companies through…
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More questions raised by Individual Voluntary Arrangement Statistics
The Insolvency Service published (here) on 27th January further statistics on Individual Voluntary Arrangements. The latest IVA statistics (here) indicate that 40 percent of IVAs…
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Should Households repay their debts?
This post is a video. Here at: https://www.youtube.com/watch?v=_sCAG3Cn0O0&index=24&list=PL_voamVqJ_ZyVoZdGh4ov5u1PseEJxwEX
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Greek household insolvency reform–Troika style
One aspect of the memorandum of understanding between the EU and Greece in mid-August 2015 concerns reform of Greek household insolvency law with Greece being required…
