Empirical studies on the United States bankruptcy system have pointed out sharp disparities between the formal law on the books and the laws in action, as well as dramatic variations in the implementation of the laws from one locale to another. These . . .

This study relied on information from surveys rather than bankruptcy schedules because vital data for this research project such as ethnicity, education, cause of bankruptcy, and various characteristics of petitioners' businesses, would not be availab . . .

Currently pending in the United States Congress is a dramatic reform proposal of the consumer bankruptcy law. The reform proposal aims to significantly curtail bankruptcy relief to financially troubled individuals. The reform is premised in part on th . . .