Personal Research Resources

Insolvency Research Personal Research Resources

The work on this site is produced by external parties and the views expressed are particular to the person making them and do not necessarily reflect those The Insolvency Service or other contributors.

Title Author Representing Date

Personal Insolvency in England and Wales: a Spatial Analysis.

Paul Bishop & Peter Gripaios

Plymouth Business School, University of Plymouth Causes of Early Failures in Individual Voluntary Arrangements Sue Morgan Visiting Fellow Kingston University Conflict of Laws in Insolvency Transaction Avoidance
This article reviews the contexts in which such choice of law issues are most likely to arise, suggests how existing cases on extraterritoriality should be rationalised, and proposes the proper choice of law approach going forward. Look Chan Ho Freshfields Bruckhaus Deringer LLP September 2024 A Statistical Analysis Of The Impact Of The Enterprise Act 2002 On Business Start-Ups In England And Wales

To help with the evaluation of the individual insolvency provisions of the Enterprise Act 2002, a business start-ups regression model has been developed. Two versions of this model were developed based on relationships between levels of business start-ups and a number of predictor variables identified from research literature. An Enterprise Act dummy variable was also included in the model so that levels of start-ups (post Enterprise Act) could be compared with levels the model predicts would have occurred had the Act not been introduced.

Paul Smith Operational Research Unit, Strategic Policy Analysis, Department For Business, Innovation & Skills (BIS) March 2024 Research mapping exercise – final report
This research mapping exercise was the initial stage of a project commissioned by Money Advice Trust to develop a research strategy for the UK money advice sector, and the exercise has identified current and recent UK research around the broad areas of money advice and debt solutions. Details of all the individual reports mapped are available at https://www.moneyadvicetrust.org/content.asp?ssid=23 which will be updated annually. Sharon Collard The Personal Finance Research Centre at the University of Bristol August 2007 Bankruptcy Courts Survey

A pilot study questionnaire of 6 bankruptcy courts in England and Wales. This pilot study relates to personal over-indebtedness, with its corollary inability to pay within a reasonable time, of both consumer debtors and entrepreneur debtors.

John Tribe Centre for Insolvency Law and Policy, Kingston Law School, Faculty of Business and Law, Kingston University January 2006

Bankruptcy Law and Entrepreneurship

Legislators in Europe have recently sought to promote entrepreneurship by changing the consequences of personal bankruptcy law. At the same time, US legislators have arguably been seeking to make it more difficult for individuals to declare themselves bankrupt. Whilst there is an intuitive link between bankruptcy law and willingness to take entrepreneurial risks, little attention has been paid to the question empirically in the international context. This paper investigates the link between bankruptcy and entrepreneurship using data on self-employment over 13 years (1990 2002) and 15 countries in Europe and North America

John Armour and Douglas Cumming

Faculty of Law and Centre for Business Research. University of Cambridge Director, Severino Center for Technological Entrepreneurship, Rensselaer Polytechnic Institute

September 2005 British Household Indebtedness and Financial Stress
This article summarises the main results of a survey carried out for the Bank of England in September 2004 about household borrowing, housing wealth and attitudes to debt. The survey was designed to provide a comprehensive, up-to-date picture of household indebtedness. It found significant differences between homeowners and renters: renters are more likely to have debt problems, but their share of total household debt is small. The vast majority of debt is owed by homeowners, few of whom (by historical standards) show signs of having problems at present. While 40% of total outstanding household debt is owed by those spending more than a quarter of their gross income on servicing
their debts, the share of debt owed by those currently with debt problems is lower than a decade ago Orla May, Merxe Tudela and Garry Young Banks MacroPrudential Risks Division September 2004 The Ever Increasing Circle
A pilot study of debt as an impediment to entering employment in Brighton and Hastings Peter Ambrose and Liz Cunningham Health and Social Policy Research Centre University of Brighton November 2004 The distribution of unsecured debt in the United Kingdom: survey evidence
The Bank of England commissioned a survey asking people about their unsecured borrowing and whether it is a burden to them. This article summarises the main results Merxe Tudela and Garry Young of The Banks Domestic Finance Division Consumer Bankruptcy Law Reform in Scotland, England and Wales
This paper looks at recent and proposed reforms of personal insolvency in Scotland and England & Wales. It outlines and assesses the legal frameworks of debt management and relief, specifically any “gaps” and “overlaps” in coverage. Donna McKenzie Skene – Senior Lecturer University of Aberdeen

Professor Adrian Walters – Nottingham Trent University

July 2006

This site is maintained by The Insolvency Service, unless otherwise stated documents are Crown Copyright.

Click here to be taken to the main Insolvency Service website.