The fragile middle class: Americans in debt
Gespeichert in:
| Beteiligte Personen: | , , |
|---|---|
| Format: | Buch |
| Sprache: | Englisch |
| Veröffentlicht: |
New Haven [u.a.]
Yale Univ. Press
2000
|
| Schlagwörter: | |
| Links: | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=008987651&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| Umfang: | XVII, 380 S. graph. Darst. |
| ISBN: | 0300079605 |
Internformat
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| 245 | 1 | 0 | |a The fragile middle class |b Americans in debt |c Teresa A. Sullivan ; Elizabeth Warren ; Jay Lawrence Westbrook |
| 264 | 1 | |a New Haven [u.a.] |b Yale Univ. Press |c 2000 | |
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| 520 | 1 | |a "The authors of this book analyze court records and demographic data on thousands of bankruptcy cases, as well as debtors' own poignant accounts of the reasons for their bankruptcies. For many middle-class Americans, the findings show, financial stability is fragile - almost any setback can be disastrous. The erosion of job stability, divorce and family instability, the visible and invisible costs of medical care, the burden of home ownership, and the staggering weight of consumer debt financed with plastic combine to threaten the financial security of growing numbers of middle-class families. The authors view the bankruptcy process in the light of changing cultural and economic factors and consider what this may signify for the future of a large, secure, and dynamic middle class."--BOOK JACKET. | |
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| 650 | 4 | |a Faillite - États-Unis | |
| 650 | 4 | |a Finances personnelles - États-Unis | |
| 650 | 4 | |a Bankruptcy |z United States | |
| 650 | 4 | |a Consumer credit |z United States | |
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| 700 | 1 | |a Westbrook, Jay L. |e Verfasser |4 aut | |
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Datensatz im Suchindex
| _version_ | 1819251295393939456 |
|---|---|
| adam_text | Contents
List of Illustrations ix
List of Tables xi
Preface xiii
Chapter 1
Americans in Financial Crisis 1
Chapter 2
Middle Class and Broke: The Demography of Bankruptcy 2 7
Chapter 3
Unemployed or Underemployed 75
Chapter 4
Credit Cards 108
Chapter 5
Sickness and Injury 141
Chapter 6
Divorce 172
Chapter 7
Housing 199
I
Chapter 8
The Middle Class in Debt 238
Appendix 1
Data Used in This Study 263
Appendix 2
Other Published Studies 288
Notes 297
Index 367
CONTENTS
Illustrations
1.1 Consumer bankruptcy filings, 1962 96 4
1.2 Respondents reasons for filing for bankruptcy 16
1.3 Consumer bankruptcy cases and debt, 1962 96 24
2.1 Age of primary petitioner, 1991 and 1997 41
2.2 Racial ethnic composition of bankrupt debtors and U.S.
population in five states, 1991 46
2.3 Completed education of bankrupt debtors and U.S. adult
population, 1990 91 53
3.1 Proportion of bankrupt debtors reporting job problems by
source of report, 1991 79
4.1 Median credit card debt listed in bankruptcy, 1981,1991, and
1997 124
4.2 Ratio of mean credit card debt to income, 1981,1991, and 1997
126
4.3 Consumer bankruptcy cases and debt income ratio, 1962 96
130
5.1 Medical reasons mentioned by bankrupt debtors, 1991 145
5.2 Percentage of population not covered by health insurance,
1950 98 147
5.3 The medical job problem overlap in reasons for filing for
bankruptcy, 1991 158
5.4 Bankrupt debtors who cite a medical reason for bankruptcy by
age group,1991 165
6.1 Marital status of bankrupt debtors and U.S. population, 1991
183
6.2 Divorce and separation among persons living without a spouse,
1991 184
7.1 Income comparisons of bankrupt debtors and U.S. population
for homeowners and renters, 1991 217
7.2 Homeowners debt and income for bankrupt debtors and U.S.
population, 1991 220
7.3 Home equity, in and out of bankruptcy 222
7.4 Racial ethnic composition of homeowners in bankruptcy, 1991
234
A.1 Individual debtor questionnaire used in Consumer Bankruptcy
Project II, 1991 270
A.2 Actual and age standardized U.S. bankruptcy filings, 1980 91
286
ILLUSTRATIONS
Tables
2.1 Annual household income by state (1989) and by bankruptcy
sample (1991) in five states (in 1989 dollars with means and
medians also reported in 1997 dollars) 60
2.2 Mean earnings by educational level, U.S. population and
bankrupt debtors from five districts, 1991 (in 1991 and 1997
dollars) 64
2.3 Distribution of income, assets, and debts for bankruptcy
petitioners in 1981,1991, and 1997 (in 1991 dollars) 65
2.4 Distribution of income, assets, and debts for bankruptcy
petitioners in 1981,1991, and 1997 (in 1997 dollars) 66
2.5 Total debt income ratio and total nonmortgage debt income
ratio, 1981,1991,1997 71
4.1 Credit card debt listed in bankruptcy, 1981,1991,1997 (in 1997
dollars) 122
4.2 Ratio of consumer credit card debt to income 125
4.3 Credit card debt as a fraction of unsecured debt, 1981,1991,
1997 131
7.1 Comparison of homeowners and renters in bankruptcy 215
A.1 Questionnaires returned in this study, with response rates 276
A.2 Distribution of income, assets, and debts for bankruptcy
petitioners in the Eastern District of Pennsylvania, by response
status 278
7
A.3 Distribution of income, assets, and debts for respondent
bankruptcy petitioners in the Western District of Texas and
Northern District of Illinois, compared with nonrespondents in
the Eastern District of Pennsylvania 280
A.4 Overall and age specific bankruptcy filing rates, 1991 (per 1,000
population) 285
TABLES
|
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| indexdate | 2024-12-20T10:42:43Z |
| institution | BVB |
| isbn | 0300079605 |
| language | English |
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| physical | XVII, 380 S. graph. Darst. |
| publishDate | 2000 |
| publishDateSearch | 2000 |
| publishDateSort | 2000 |
| publisher | Yale Univ. Press |
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| spellingShingle | Sullivan, Teresa A. Warren, Elizabeth Westbrook, Jay L. The fragile middle class Americans in debt Crédit à la consommation - États-Unis Faillite - États-Unis Finances personnelles - États-Unis Bankruptcy United States Consumer credit United States Finance, Personal United States Mittelstand (DE-588)4039713-0 gnd Schulden (DE-588)4053461-3 gnd |
| subject_GND | (DE-588)4039713-0 (DE-588)4053461-3 (DE-588)4078704-7 |
| title | The fragile middle class Americans in debt |
| title_auth | The fragile middle class Americans in debt |
| title_exact_search | The fragile middle class Americans in debt |
| title_full | The fragile middle class Americans in debt Teresa A. Sullivan ; Elizabeth Warren ; Jay Lawrence Westbrook |
| title_fullStr | The fragile middle class Americans in debt Teresa A. Sullivan ; Elizabeth Warren ; Jay Lawrence Westbrook |
| title_full_unstemmed | The fragile middle class Americans in debt Teresa A. Sullivan ; Elizabeth Warren ; Jay Lawrence Westbrook |
| title_short | The fragile middle class |
| title_sort | the fragile middle class americans in debt |
| title_sub | Americans in debt |
| topic | Crédit à la consommation - États-Unis Faillite - États-Unis Finances personnelles - États-Unis Bankruptcy United States Consumer credit United States Finance, Personal United States Mittelstand (DE-588)4039713-0 gnd Schulden (DE-588)4053461-3 gnd |
| topic_facet | Crédit à la consommation - États-Unis Faillite - États-Unis Finances personnelles - États-Unis Bankruptcy United States Consumer credit United States Finance, Personal United States Mittelstand Schulden USA |
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