http://myvestafoundation.org/articles en-us N/A articles@myvestafoundation.org Fri, 04 Jul 2008 09:38:14 EDT 20 http://myvestafoundation.org/articles/articles/30/1/The-Insolvency-World-is-Such-a-Big-and-Small-Place-at-the-Same-Time/Page1.html Having a macro level view of consumer debt and debt solutions affords me a great opportunity to see how consumers are being treated around the world when it comes to debt issues. While creditors like MBNA, now Bank of America, Citibank, Capital One, and others promote and market their products on a global scale, consumer debt help is almost always viewed on a local scale and those hardworking providers can't see the bigger trends.

]]> no@spam.com (Steve Rhode) Sat, 04 Aug 2007 14:47:28 EDT http://myvestafoundation.org/articles/articles/30/1/The-Insolvency-World-is-Such-a-Big-and-Small-Place-at-the-Same-Time/Page1.html http://myvestafoundation.org/articles/articles/13/1/Why-Insolvency-Practitioners-Creditors-and-Consumers-Will-Get-Less-but-Deserve-More-Lessons-learned-from-the-US-UK-and-the-Netherlands/Page1.html no@spam.com (Steve Rhode) Thu, 19 Apr 2007 10:59:51 EDT http://myvestafoundation.org/articles/articles/13/1/Why-Insolvency-Practitioners-Creditors-and-Consumers-Will-Get-Less-but-Deserve-More-Lessons-learned-from-the-US-UK-and-the-Netherlands/Page1.html http://myvestafoundation.org/articles/articles/11/1/The-Hidden-Life-of-Consumer-Bankruptcy-Reform-Danger-Signs-for-the-New-US-Law-from-Unexpected-Parallels-in-the-Netherlands/Page1.html This Article takes advantage of a rare double opportunity to break new ground in commercial, consumer, and comparative law. First, it offers one of the first detailed analyses of key elements of the new U.S. consumer bankruptcy reform law, which will go into effect on October 17, 2005. Second, this Article offers a unique perspective on the new law in light of a curious and surprising discovery: It turns out that the U.S. consumer bankruptcy system as reformed will resemble in many critical respects the consumer bankruptcy system in place for the past six years in the Netherlands. As a result of this serendipitous U.S.-Dutch convergence, years of experience under the Dutch consumer debt relief system can serve as a sort of crystal ball, providing a rare glimpse into the future of the new U.S. system. This Article describes both the law in books as well as the law in action as it has developed in the Netherlands in recent years. The Dutch law on the ground has diverged in significant ways from legislative expectations, and such divergences might well be repeated - for better or worse - in the United States in coming years. In particular, several key similarities and distinctions between the Dutch and U.S. systems reveal latent weaknesses and portend an impending breakdown in the credit counseling and means testing parts of our new system. A comparative view of recent Dutch developments offers not only cause for concern for coming problems, however, but also hope for some effective solutions.

]]> no@spam.com (Jason Kilborn) Tue, 17 Apr 2007 16:38:46 EDT http://myvestafoundation.org/articles/articles/11/1/The-Hidden-Life-of-Consumer-Bankruptcy-Reform-Danger-Signs-for-the-New-US-Law-from-Unexpected-Parallels-in-the-Netherlands/Page1.html http://myvestafoundation.org/articles/articles/10/1/Behavioral-Economics-Overindebtedness--Comparative-Consumer-Bankruptcy-Searching-for-Causes-and-Evaluating-Solutions/Page1.html ]]> no@spam.com (Jason Kilborn) Tue, 17 Apr 2007 16:01:30 EDT http://myvestafoundation.org/articles/articles/10/1/Behavioral-Economics-Overindebtedness--Comparative-Consumer-Bankruptcy-Searching-for-Causes-and-Evaluating-Solutions/Page1.html http://myvestafoundation.org/articles/articles/12/1/The-Problem-of-Consumer-Over-Debtedness-a-Bankruptcy-IVAs-etc/Page1.html   Centre for the Study of Financial Innovation, London - 13 Feb 2007]]> no@spam.com (Steve Rhode) Tue, 13 Feb 2007 10:17:47 EST http://myvestafoundation.org/articles/articles/12/1/The-Problem-of-Consumer-Over-Debtedness-a-Bankruptcy-IVAs-etc/Page1.html