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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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…
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Damning report on debt management advice by Financial Conduct Authority–need for comprehensive review of insolvency alternatives
The FCA published on Thursday 25th June a damning thematic review on the quality of debt management advice, concluding that the quality of advice was…
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How useful is debt counselling in bankruptcy?
Several countries (Canada, US, Scotland) now include debt counselling as part of the individual bankruptcy process but evidence is limited as to its beneficial impact.…
