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Over-indebtedness

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…
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…
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…
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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