Study

Study: Student Loan Relief and Home Purchase by Nova Southeastern University

Intro commentary by Ed Boltz: While it is not terribly surprising for this paper to find that student loans are a "barrier to home purchases and subsequent wealth accumulation", this research does confirm that  assumption and can serve as support for advocates and policy makers about the impact of student loan relief.

The Long-Run Effects of Individual Debt Relief
Commentary by Ed Boltz, Member of the Law Offices of John T. Orcutt, P.C.(Durham, NC)

“While this research examined the long-term consequences of debt for Danish consumers granted debt relief, . . . many of the findings in this paper likely hold true here as well.”

New Study - Bankruptcy Lawyers and Credit Recovery
By Brian Jonghwan Lee

The author studies how bankruptcy law firm advertisements affect credit recovery of households in financial distress. Exploiting the border discontinuity strategy associated with the geographic unit in which local TV advertisements are sold, the author empirically uncovers bankruptcy filings and credit recovery related to exogenous variations in bankruptcy law firm advertisements. The author first documents a significant advertising effect on filing rates and shows that advertising-induced filers are similar to existing filers. The author then finds a positive effect of advertisements on credit outcomes including credit score, new homeownership, and foreclosure.

From Harvard Bankruptcy Roundtable

Study - Predicting Bankruptcy: Ask the Employees