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Bob Lawless
University of Illinois
I'm a college professor with 3 kids.
Recent Activity
MLEA at the University of Illinois
On October 11 & 12, the University of Illinois College of Law will host the 12th annual Midwestern Law & Economics Association conference. The event consists of law professors and economists presenting papers with varying degrees of law-and-economics content, ranging... Continue reading
Posted 2 days ago at Credit Slips
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0
Jon Stewart's Residential Evil
Any time The Daily Show has a piece that mentions both MERS and the OCC, it gets a link on Credit Slips. There is even a short clip featuring former Credit Slips blogger and current U.S. Senator (in that order)... Continue reading
Posted May 8, 2013 at Credit Slips
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Bankruptcy Filings Over the Next 12 Months
Posted May 7, 2013 at Credit Slips
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OK, I changed the code, and the captcha seems to be working for me in both Explorer and Chrome. Let me know if it is fixed for you. Thanks for letting me know about the troubles. I wish Typepad had sent around a notice.
Comments, Spam, Loyal Readers, and False Positives
The many interesting comments left by our informed readership help make Credit Slips one of the best places on the Internet for informed discussion about debt and bankruptcy issues. The many spam comments make Credit Slips a less useful resource. Our hosting service, Typepad, has tools to help ...
Crap . . . and I think I just violated our own comment policy. I get the same result. The problem seems to be described here: http://help.typepad.com/captcha.html. I'll try to change some code and see if it fixes things.
Thanks for helping me diagnose. On the Feedburner thing, I think it is a Typepad-specific problem and the tag Typepad uses to generate the author. I went around with their support as well as some forum posts. The RSS feed clearly has the author tag, and it shows up elsewhere -- Google Reader for example. It just does not come through in the e-mail.
Comments, Spam, Loyal Readers, and False Positives
The many interesting comments left by our informed readership help make Credit Slips one of the best places on the Internet for informed discussion about debt and bankruptcy issues. The many spam comments make Credit Slips a less useful resource. Our hosting service, Typepad, has tools to help ...
Alas, now I need two hands to count.
Thanks, Steevo, for the feedback. The author name already is in the RSS feed. It does not appear in the Feedburner e-mails. I spent hours on the issue a few months ago, and it is just a Feedburner issue. We'll switch away from Feedburner at some point.
On the captcha, I don't know what could be going on. What browser are you using? Does it happen with a different browser? Send me an e-mail (rlawless-at-illinois-dot-edu) if you want to try to figure it out.
Comments, Spam, Loyal Readers, and False Positives
The many interesting comments left by our informed readership help make Credit Slips one of the best places on the Internet for informed discussion about debt and bankruptcy issues. The many spam comments make Credit Slips a less useful resource. Our hosting service, Typepad, has tools to help ...
Comments, Spam, Loyal Readers, and False Positives
The many interesting comments left by our informed readership help make Credit Slips one of the best places on the Internet for informed discussion about debt and bankruptcy issues. The many spam comments make Credit Slips a less useful resource.... Continue reading
Posted Apr 2, 2013 at Credit Slips
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13
RSOs . . . nice, I'm going to remember that one.
Who Do You Want to Believe -- Equifax or the U.S. Census?
The Chicago Tribune is running a Reuters story describing a study from Equifax that student loan write-offs totaled $3 billion in the first quarter of 2013. It's an impressive study. According to the story, "Equifax analyzes data from more than 500 million consumers to track financial trends." ...
You're Welcome, Lauren Willis, But You're Not Going Anywhere
Lauren Willis has joined us for the last month as a guest blogger, and in her most recent post thanked us for allowing her to "use our soap box." You're very welcome, Lauren, but we really don't want you to... Continue reading
Posted Mar 27, 2013 at Credit Slips
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1
A related point is the dilemma scholars face getting access to data. Getting access to data can require working with industry players, but the cooperation then makes readers wonder about about the scholar's independence. The main advantage university researchers have, at least in the social sciences, is that we're not being paid based on the views we express. If you have to "play ball" to get data, our independence is rightfully drawn into question.
A Final Pet Peeve: The Right to Consumer Financial Industry Data
Thank you to the Credit Slips team for allowing me to use their soapbox for the last few weeks. I leave you with a final pet peeve: Why does the government have to rely on commercially-collected financial industry data sets or voluntary surveys of financial firms to discover the effects of poli...
Thanks, Sarah. I looked for the press release and could not find it. I understand that Equifax was probably referring to 500 million consumers tracked worldwide, but that is not what the article says. At the least, the figure is out of context in an article about U.S. student loan charge-offs.
Who Do You Want to Believe -- Equifax or the U.S. Census?
The Chicago Tribune is running a Reuters story describing a study from Equifax that student loan write-offs totaled $3 billion in the first quarter of 2013. It's an impressive study. According to the story, "Equifax analyzes data from more than 500 million consumers to track financial trends." ...
Who Do You Want to Believe -- Equifax or the U.S. Census?
The Chicago Tribune is running a Reuters story describing a study from Equifax that student loan write-offs totaled $3 billion in the first quarter of 2013. It's an impressive study. According to the story, "Equifax analyzes data from more than... Continue reading
Posted Mar 25, 2013 at Credit Slips
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10
This is interesting stuff, Nathalie, and certainly belongs in the Unintended Consequences Hall of Fame.
You write that "under applicable law," the commingled SSA funds may lose their protection. Can you expand on that a little bit?
Direct Deposit and Social Security: Not so Nice for Those who Owe
Jonathan Ginsberg posted an interesting article on the National Association of Chapter 13 trustees web site this weekend, that will be relevant to many of our readers as well. Social security is now requiring all beneficiaries to set up direct deposit, which means the resulted funds could becom...
Minimum Wage & Consumer Borrowing
Over at VoxEU, economists Daniel Aronson and Eric French have a discussion about the their research of the effects of a minimum wage hike. I found my way to this post through Yves Smith's discussion of the topic at Naked... Continue reading
Posted Mar 8, 2013 at Credit Slips
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Thank You Paige Skiba
Posted Mar 6, 2013 at Credit Slips
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Judge Markell of Las Vegas to Become Professor Markell of Tallahassee
Posted Mar 6, 2013 at Credit Slips
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Thank You Mark Weidemaier
Professor Mark Weidemaier of the University of North Carolina has been guest blogging with us since early November. Today's post on the Second Circuit's pari passu hearing in the NML litigation marked an end to his time with us. Mark... Continue reading
Posted Mar 1, 2013 at Credit Slips
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0
To Stephen Brown: Our blog hosting service, Typepad, has been updating and improving its fight against comment spam. The amount of comment spam is a problem, and their efforts are welcome. According to Typepad, the performance of its new spam filters will improve over time and that should reduce the incidence of false positives.
Title Lending’s Big Question: Dude, Where's My Car?
In a new paper on title lending with Katie Fritzdixon and Jim Hawkins, we report data from a survey of over 400 title lending customers across three states. To introduce this work, we wanted to start off by talking about the important issues that title lending raises. The biggest question, by...
Welcome Back to Paige Skiba
It is always great to have our guests return, which makes me please to announced that Professor Paige Skiba of Vanderbilt University will be joining us for a few days. Paige has done a lot of interesting work on high-interest... Continue reading
Posted Feb 24, 2013 at Credit Slips
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Facebook & Credit Scores
From the February 9th Economist: Some firms piece together scores by analysing applicants’ online social networks. Professional contacts on LinkedIn are especially revealing of an applicant’s “character and capacity” to repay, says Navin Bathija, the founder of Neo, a start-up... Continue reading
Posted Feb 24, 2013 at Credit Slips
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Technical Problems Yesterday
If you visited Credit Slips yesterday (February 19) and had problems loading the site, it was because our hosting service (Typepad) had some system-wide issues. Everything should be working now. Typepad status is always available here. Continue reading
Posted Feb 20, 2013 at Credit Slips
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Bankrupt Churches
My colleague, Professor Pamela Foohey, has just posted a paper on SSRN about religious organizations that have filed chapter 11. While the Roman Catholic dioceses bankruptcies have grabbed a lot of attention, Foohey identifies 509 other cases filed by faith-based... Continue reading
Posted Feb 18, 2013 at Credit Slips
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Occasional Jason Kilborn
Long-time readers will remember Professor Jason Kilborn's guest-blogging stints. Jason focuses on comparative and international issues in the world of bankruptcy. This is always a perspective we sorely need here on the Slips, and we were wanting to get his... Continue reading
Posted Feb 18, 2013 at Credit Slips
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And, of course, there are likely class issues. Credit report errors and debt buyer issuers are not probably spread equally across the socioeconomic strata.
Two very Important FTC Studies, One on Credit Reports and One on Debt Buyers
A recent FTC study of errors in credit reports is getting a lot of press. According to the most recent in a number of studies of the accuracy of credit reports, about 5% of U.S. consumers have an error on their credit report that is serious enough to increase their cost of credit. Although the c...
Welcome to Lauren Willis
We're very excited to have Lauren Willis of Loyola Law School, Los Angeles, join us as a guest blogger. We have been trying to find a mutually convenient time for months, and schedules finally aligned. Professor Willis is perhaps best... Continue reading
Posted Feb 12, 2013 at Credit Slips
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