1. Introduction; 2. Financialised capitalism and the centrality of household debt; 3. Consumer bankruptcy theory and the case for debt relief; 4. A consumer bankruptcy marketplace; 5. The limits of contractual consumer bankruptcy; 6. The austere creditor: austerity, bankruptcy policy and government debt collection; 7. Moral hazard and bankruptcy abuse prevention; 8. Conclusion; Index.
Excessive household debt has allowed for economic growth, but this model has become increasingly unstable. Spooner examines bankruptcy law as a potential solution.
Joseph Spooner is an Assistant Professor at the London School of Economics and Political Science Law Department. He researches issues of law, policy and politics relating to household debt and over-indebtedness. He has worked on the World Bank's Report on the Treatment of the Insolvency of Natural Persons (2013) and the Law Reform Commission of Ireland's project on personal debt management (2010–12). He has published articles on the law and politics of bankruptcy and household debt in leading journals including the Journal of Law and Society and Modern Law Review.
'This reviewer highly recommends this book for people who want to
learn more about the consumer debt-based economy and ways to make
it fairer and more efficient.' R. H. Scott, Choice
'The book is essential reading for anyone who is interested in
understanding the problem of consumer debt and how best to address
it. It is an indispensable addition for all university libraries.'
Eugenio Vaccari, Journal of International Banking Law and
Regulation
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