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- W1488651259 abstract "By pushing debtors into the more stringent provisions of Chapter 13, the Bankruptcy Abuse Prevention and Consumer Protection Act passed in 2005 aimed to discourage debtors from taking advantage of U.S. Personal Bankruptcy Law. Despite a growing literature on consumer bankruptcy, however, there exists virtually no empirical evidence on the performance of Chapter 13. In this paper, we construct a novel dataset based on information obtained from court docket records …led between 2001 and 2002 in the state of Delaware. We present three main …ndings. First, our data indicate that the median creditor recovery rate is actually zero under Chapter 13 both for secured and unsecured debt. Second, close to twenty percent of …lers are dismissed without ever obtaining con…rmation of even one plan. Third, less than forty percent of debtors actually receive a …nancial fresh start by having their debts discharged. To account for these stylized facts, we then build and estimate a structural model of" @default.
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- W1488651259 date "2007-01-01" @default.
- W1488651259 modified "2023-09-27" @default.
- W1488651259 title "A Structural Model of Chapter 13 Personal Bankruptcy" @default.
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