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Bankruptcy Filers’ Financial Behaviors: Are They Responsible?

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한국소비문화학회|2013.06|소비문화연구 (Journal of Consumption Culture)|제16권 제2호|pp. 269-289|DOI 10.17053/jcc.2013.16.2.012

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참고문헌

키워드

OverspendingBankruptcy FilersDebt Repayment개인 파산지출 행동부채 상황

초록

The growing number of personal bankruptcy filers has spurred extensive literature about household financial conditions prior to bankruptcy filings or immediate financial benefits. Personal bankruptcy can be a turning point in the lives of financially troubled consumers, while personal bankruptcy can have a devastating effect on the filers’ credit information. Nevertheless, there has been a lack of attention on what happens to debtors after they file for bankruptcies. By using U.S. household- level data, this study investigates the financial behavior such as spending patterns and debt payment of personal bankruptcy filers. The findings from this study provide empirical evidence on the differences in financial behaviors between personal bankruptcy filers and non-filers.

Abstract

The growing number of personal bankruptcy filers has spurred extensive literature about household financial conditions prior to bankruptcy filings or immediate financial benefits. Personal bankruptcy can be a turning point in the lives of financially troubled consumers, while personal bankruptcy can have a devastating effect on the filers’ credit information. Nevertheless, there has been a lack of attention on what happens to debtors after they file for bankruptcies. By using U.S. household- level data, this study investigates the financial behavior such as spending patterns and debt payment of personal bankruptcy filers. The findings from this study provide empirical evidence on the differences in financial behaviors between personal bankruptcy filers and non-filers.

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