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.
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Latest Posts
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The EU and Personal Insolvency: Entrepreneurs but not consumers
Much attention has focused on the recent EU Directive on Restructuring, aimed primarily at facilitating corporate restructuring. Less attention has been paid to the Directive’s…
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Safety nets for casualties in the world economy of debt
Branko Milanovich in Global Inequality documents the winners and losers from the globalisation of economies since 1988. Middle and lower income groups in the rich world …
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Debt Relief Orders and the Minimal Asset Procedure: What we know and do not know
As many readers know Scotland and England and Wales have different insolvency procedures for debtors with no or little income and few assets. The Debt…
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The Debt Relief Order–Ten Years on
April 2019 marks the tenth anniversary of the implementation of the English Debt Relief Order, a low-cost (£90 fee), means-tested, administrative procedure only accessible online…
