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David Lander
Recent Activity
Thanks to the folks who run Credit Slips for the opportunity to post. I hope to be back in a few months with musings about the following: Since the CFPB has very limited authority over auto finance, and since securitization... Continue reading
Posted Apr 21, 2015 at Credit Slips
Your example is a perfect one of the many ways in which most of the helpers are far from "zealous advocates" for their clients. At one time the industry was even more tilted toward the creditors but vestiges of that era remain and there is a fundamental miss in the relationship with the client that continues to exist with most providers. In a perfect world the counselors would be sensitive to various types of legal problems and refer the clients to qualified lawyers when appropriate.
Lately I have been teaching courses with names such as "Global and Economic Justice" and "History, Impacts and Regulation of Consumer Credit" instead of "Bankruptcy," "Secured Transactions" and "Chapter 11 Reorganizations." So I have been reading different books and listening... Continue reading
Posted Apr 20, 2015 at Credit Slips
Clearly, the biggest surprise in consumer borrowing since the crash has been the explosive expansion of student loan debt. It has surpassed both auto lending and credit card lending. And, since it ties with Payday Lending and pre-crash sub-prime mortgage... Continue reading
Posted Apr 16, 2015 at Credit Slips
Prior to the crash, only a very few macro-economists were studying consumer borrowing and fewer still were investigating inequality of income or of wealth as an important macro-economic factor. Work in macro-economics is done at academic institutions, the Fed, think... Continue reading
Posted Apr 15, 2015 at Credit Slips
The ABI has spent thousands of hours on its Chapter 11 Commission Report; the National Bankruptcy Conference is hard at work on its "Rethinking Chapter 11" project. Underlying these and other such efforts is an overwhelming frustration with the failure... Continue reading
Posted Apr 14, 2015 at Credit Slips
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Oct 17, 2014