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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Assembly-Line Debt Collection and the International Overindebtedness Industry
Fifty years ago my former colleague Terence Ison described the county courts in a celebrated article as primarily debt collection agencies dominated by repeat-player…
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Consumer protection and Responsible Lending in Bankruptcy
Bankruptcy is a form of consumer protection, providing individuals with the opportunity to write down debt and receive a fresh start. Given the difficulties…
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Which debt advice agencies use the breathing space? (no prize for guessing answer!)
Regulations enacted earlier this year provided debtors with the possibility of applying for a breathing space so that they could seek professional debt advice…
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Issues in personal insolvency reform I
The Insolvency Service promises a review of the personal insolvency framework (see here). It is almost twenty years since the New Labour reforms to bankruptcy…
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