debt

The Problem of Default

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The Study: Part I The Debt Collection Default Study measures what kinds of mailings from legal services providers to defendants are effective in reducing default rates in debt collection cases. To our knowledge, our study is the first of its kind to evaluate an intervention intended to reduce default rates in civil cases using a randomized control […]

Financial Distress

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Problems with Current Solutions Some have suggested legal representation. But there will never be sufficient legal aid resources to provide a traditional, attorney-client relationship to all low- and middle-income individuals facing debt-related legal problems. The key, then, is to produce rigorous evidence regarding when and where to deploy scarce lawyer time most effectively, while designing

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