1. Characteristics of parties and duration of insolvency cases in Portugal. (2022). Pereira, Manuel Coutinho ; Wemans, Lara.
   In: Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies.
   RePEc:ptu:bdpart:e202202.

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2. Strategic Default Among Private Student Loan Debtors: Evidence from Bankruptcy Reform. (2020). Ritter, Dubravka ; Darolia, Rajeev.
   In: Education Finance and Policy.
   RePEc:tpr:edfpol:v:15:y:2020:i:3:p:487-517.

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3. A Quantitative Theory of the Credit Score. (2020). Ríos-Rull, José-Víctor ; Dempsey, Kyle ; Corbae, P. Dean ; Chatterjee, Satyajit ; Rios-Rull, Jose-Victor.
   In: NBER Working Papers.
   RePEc:nbr:nberwo:27671.

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4. A Quantitative Theory of the Credit Score. (2020). Dempsey, Kyle ; Corbae, P. Dean ; Chatterjee, Satyajit ; Rios-Rull, Jose-Victor.
   In: Working Papers.
   RePEc:fip:fedpwp:88811.

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5. A Quantitative Theory of the Credit Score. (2020). Ríos-Rull, José-Víctor ; Corbae, P. Dean ; Chatterjee, Satyajit ; Dempsey, Kyle.
   In: Working Papers.
   RePEc:fip:fedmwp:88517.

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6. Long-run net distributionary effects of federal disaster insurance: The case of Hurricane Katrina. (2019). van der Klaauw, Wilbert ; Bleemer, Zachary .
   In: Journal of Urban Economics.
   RePEc:eee:juecon:v:110:y:2019:i:c:p:70-88.

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7. A Theory of Credit Scoring and the Competitive Pricing of Default Risk. (2018). Ríos-Rull, José-Víctor ; Corbae, P. Dean ; Chatterjee, Satyajit ; Dempsey, Kyle ; Rios-Rull, Jose-Victor.
   In: 2018 Meeting Papers.
   RePEc:red:sed018:550.

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8. The Impact of Consumer Credit Access on Employment, Earnings, and Entrepreneurship. (2017). Phillips, Gordon ; Herkenhoff, Kyle ; Cohen-Cole, Ethan .
   In: Working Papers.
   RePEc:hka:wpaper:2017-011.

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9. The Impact of Consumer Credit Access on Employment, Earnings and Entrepreneurship. (2016). Phillips, Gordon ; Cohen-Cole, Ethan ; Herkenhoff, Kyle.
   In: NBER Working Papers.
   RePEc:nbr:nberwo:22846.

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10. Personal Bankruptcy in the US: Effects of the 2005 Reform. (2016). Albanesi, Stefania ; Nosal, Jaromir.
    In: ifo DICE Report.
    RePEc:ces:ifodic:v:13:y:2016:i:4:p:19191575.

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11. Personal Bankruptcy in the US: Effects of the 2005 Reform. (2016). Albanesi, Stefania ; Nosal, Jaromir.
    In: ifo DICE Report.
    RePEc:ces:ifodic:v:13:y:2016:i:4:p:08-14.

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12. Personal Bankruptcy in the US: Effects of the 2005 Reform. (2016). , Jaromirnosal ; Nosal, Jaromir ; Albanesi, Stefania.
    In: ifo DICE Report.
    RePEc:ces:ifodic:v:13:y:2016:i:04:p:08-14.

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13. The Impact of Bankruptcy Reform on Insolvency Choice and Consumer Credit. (2016). Allen, Jason ; Basiri, Kiana .
    In: Staff Working Papers.
    RePEc:bca:bocawp:16-26.

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14. The Impact of Consumer Credit Constraints on Earnings, Sorting, and Job Finding Rates of Displaced Workers. (2015). Phillips, Gordon ; Herkenhoff, Kyle.
    In: 2015 Meeting Papers.
    RePEc:red:sed015:375.

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1. - Foreclosure: There are two scenarios in which an individual is marked as being in the state of foreclosure. First, if the individual forecloses on a home (that is, if cma attr3905 switches from off (”0”) to on (”1” or ”7”)), then that individual is marked as being in a state of foreclosure for seven years after the date of their foreclosure. Second, if the individual enters the dataset for the first time while under foreclosure (which almost exclusively occurs at the datasets 1999 Q1 truncation), that individual is marked as being in the state of foreclosure until the flag (which is supposed to stay on for seven years after the date of the foreclosure) turns off.
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2. - Less-Restrictive Overall Homeownership: The individual has at least one home-secured loan at any time between 1999 and 2013 in the CCP dataset (using crtr attr6, crtr attr7, and crtr attr8).
   Paper not yet in RePEc: Add citation now
   
3. . 2010. “Accounting for the Rise in Consumer Bankruptcies.” American Economic Journal: Macroeconomics 2 (2): 165–193.
   Paper not yet in RePEc: Add citation now
   
4. 7. Chapter 13 Bankruptcy: There are two scenarios in which an individual is identified as being in the state of Chapter 13 bankruptcy. First, if the individual experiences Chapter 13 bankruptcy commencement (see below), then that individual is marked as being in a state of Chapter 13 bankruptcy for ten years after the date of their foreclosure. Second, if the individual enters the dataset for the first time marked with the bankruptcy flag (cust attr291) coded ”Chapter 13 discharged” (which almost exclusively occurs at the datasets 1999 Q1 truncation), that individual is marked as being in the state of Chapter13 bankruptcy until the flag turns off. We define the commencement of Chapter 13 bankruptcy as the following pattern in cust attr291: the individual is marked as Chapter 13 discharged in the present quarter, Chapter 13 filed in the most recent past quarter, and chapter 13 discharged in the next quarter.
   Paper not yet in RePEc: Add citation now
   

5. Athreya, Kartik B. 2002. “Welfare implications of the bankruptcy reform act of 1999.” Journal of Monetary Economics 49 (8): 1567–1595.

6. Ausubel, Lawrence, and Amanda Dawsey. 2004. “Informal bankruptcy.” Work. Pap., Dep. Econ., Univ. Maryland.
   Paper not yet in RePEc: Add citation now
   
7. Carroll, Sarah W, and Wenli Li. 2011. “The homeownership experience of households in bankruptcy.” Cityscape, pp. 113–134.
   Paper not yet in RePEc: Add citation now
   
8. Domowitz, Ian, and Robert L Sartain. 1999. “Determinants of the consumer bankruptcy decision.” The Journal of Finance 54 (1): 403–420.
   Paper not yet in RePEc: Add citation now
   

9. Domowitz, Ian, and Thomas L Eovaldi. 1993. “The Impact of the Bankruptcy Reform Act of 1978 on Consumer Bankruptcy.” Journal of Law & Economics 36:803.

10. Eraslan, Hulya, Gizem Kosar, Wenli Li, and Pierre-Daniel G Sarte. 2014. “An anatomy of us Personal bankruptcy under chapter 13.” Fay, Scott, Erik Hurst, and Michelle J White. 2002. “The household bankruptcy decision.” American Economic Review 92 (3): 706–718.

11. Gross, David B, and Nicholas S Souleles. 2002. “An empirical analysis of personal bankruptcy and delinquency.” Review of Financial Studies 15 (1): 319–347.

12. Gross, Tal, Matthew J Notowidigdo, and Jialan Wang. 2012. “Liquidity constraints and consumer bankruptcy: Evidence from tax rebates.” Review of Economics and Statistics, no. 00.

13. Hynes, Richard M, Amanda E Dawsey, and Lawrence M Ausubel. 2009. “The Regulation of Non-Judicial Debt Collection and the Consumer’s Choice among Repayment, Bankruptcy and Informal Bankruptcy.” Virginia Law and Economics Research Paper, no. 2009-13.
    Paper not yet in RePEc: Add citation now
    

14. Jagtiani, Julapa, and Wenli Li. 2014. “Credit access after consumer bankruptcy filing: new evidence.” Jones, Yvonne D. 2008. Bankruptcy Reform: Dollar Costs Associated with the Bankruptcy Abuse Prevention and Consumer Protection Act Of 2005. DIANE Publishing.

15. Lawless, Robert M., Angela K. Littwin, Katherine Porter, John Pottow, Deborah Thorne, and Elizabeth Warren. 2008. “Did bankruptcy reform fail? An empirical study of consumer debtors.” American Bankruptcy Law Journal 82:349–406.
    Paper not yet in RePEc: Add citation now
    

16. Lee, Donghoon, and Wilbert van der Klaauw. 2010. “An Introduction to the FRBNY Consumer Credit Panel.” FRBNY Staff Report 479.

17. Li, Wenli. 2009. “Residential housing and personal bankruptcy.” Business Review Q 2:19–29.
    Paper not yet in RePEc: Add citation now
    
18. Livshits, Igor, James MacGee, and Michele Tertilt. 2007. “Consumer bankruptcy: A fresh start.” The American Economic Review 97 (1): 402–418.
    Paper not yet in RePEc: Add citation now
    
19. Lupica, Lois R. 2012. “The Consumer Bankruptcy Fee Study: Final Report.” Am. Bankr. Inst. L. Rev. 20:17–759.
    Paper not yet in RePEc: Add citation now
    
20. Mann, Ronald J, and Katherine Porter. 2009. “Saving up for Bankruptcy.” Geo. LJ 98:289.
    Paper not yet in RePEc: Add citation now
    
21. Morgan, Donald P, and Michael R Strain. 2007. “Staff Reports.” Norberg, Scott, and Andrew Velkey. 2007. “What Do We Know About Chapter 13 Personal Bankruptcy Filings?” manuscript.
    Paper not yet in RePEc: Add citation now
    
22. Morgan, Donald P, Benjamin Charles Iverson, and Matthew J Botsch. 2012. “Subprime foreclosures and the 2005 bankruptcy reform.” Economic Policy Review, March.
    Paper not yet in RePEc: Add citation now
    
23. We condition transition matrices on credit score quintile using the CCP Equifax risk score, which is similar to the FICO score, in that both model 24 month default risk as a function of credit report measures (see Lee and van der Klaauw (2010)). It varies between 280 and 840 and represents an assessment of the individuals credit-worthiness. We also condition transition matrices using four different definitions of homeownership: - Less-Restrictive Current Homeownership: The individual has at least one home-secured loan in the given quarter (using crtr attr6, crtr attr7, and crtr attr8). - More-Restrictive Current Homeownership: The individual has at least one mortgage loan in the given quarter (using crtr attr6).
    Paper not yet in RePEc: Add citation now
    
24. White, Michelle J. 2007. “Bankruptcy reform and credit cards.” NBER Working Paper 13265.
    Paper not yet in RePEc: Add citation now
    

1. The Impact of Bankruptcy Reform on Insolvency Choice and Consumer Credit. (2016). Allen, Jason ; Basiri, Kiana .
   In: Staff Working Papers.
   RePEc:bca:bocawp:16-26.

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2. Mortgage defaults. (2015). Sanchez, Juan ; Martinez, Leonardo ; Hatchondo, Juan.
   In: Working Papers.
   RePEc:fip:fedlwp:2011-019.

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3. Public versus private provision of liquidity: Is there a trade-off?. (2015). Winter, Christoph ; Röhrs, Sigrid ; Rohrs, Sigrid .
   In: Journal of Economic Dynamics and Control.
   RePEc:eee:dyncon:v:53:y:2015:i:c:p:314-339.

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4. Inequality, Leverage and Crises; The Case of Endogenous Default. (2013). Kumhof, Michael ; Winant, Pablo ; Ranciere, Romain.
   In: IMF Working Papers.
   RePEc:imf:imfwpa:2013/249.

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5. Endogenous Credit Limits with Small Default Costs. (2012). Kaas, Leo ; Azariadis, Costas.
   In: Working Paper Series of the Department of Economics, University of Konstanz.
   RePEc:knz:dpteco:1217.

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6. The Interplay Between Student Loans and Credit Cards: Implications for Default. (2012). Ionescu, Felicia.
   In: Working Papers.
   RePEc:hka:wpaper:2012-014.

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7. Debt dilution and sovereign default risk. (2012). Sosa-Padilla, Cesar ; Martinez, Leonardo ; Hatchondo, Juan.
   In: Working Paper.
   RePEc:fip:fedrwp:10-08.

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8. Informal unemployment insurance and labor market dynamics. (2012). Herkenhoff, Kyle.
   In: Working Papers.
   RePEc:fip:fedlwp:2012-057.

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9. Endogenous credit limits with small default costs. (2012). Kaas, Leo ; Azariadis, Costas.
   In: Working Papers.
   RePEc:fip:fedlwp:2012-048.

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10. Determinants of credit to households in a life-cycle model. (2012). Serwa, Dobromił ; Rubaszek, Michał.
    In: Working Paper Series.
    RePEc:ecb:ecbwps:20121420.

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11. Search and Matching in the Labor Market without Unemployment Insurance. (2012). Obiols-Homs, Francesc.
    In: Working Papers.
    RePEc:bge:wpaper:670.

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12. Health insurance reform and bankruptcy. (2011). Kuklik, Michal.
    In: MPRA Paper.
    RePEc:pra:mprapa:39196.

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13. Debt Portfolios. (2011). Koeniger, Winfried ; Hintermaier, Thomas.
    In: IZA Discussion Papers.
    RePEc:iza:izadps:dp5653.

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14. Mortgage defaults. (2011). Sanchez, Juan ; Martinez, Leonardo ; Hatchondo, Juan.
    In: Working Paper.
    RePEc:fip:fedrwp:11-05.

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15. A quantitative theory of information and unsecured credit. (2011). Young, Eric ; Tam, Xuan ; Athreya, Kartik.
    In: Working Paper.
    RePEc:fip:fedrwp:08-06.

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16. Macroeconomics with hetereogeneity : a practical guide. (2011). Guvenen, Fatih.
    In: Economic Quarterly.
    RePEc:fip:fedreq:y:2011:i:3q:p:255-326:n:vol.97no.3.

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17. Macroeconomics with hetereogeneity : a practical guide. (2011). Guvenen, Fatih.
    In: Economic Quarterly.
    RePEc:fip:fedreq:y:2011:i:3q:p:255-326:n:v.97no.3.

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18. Dealing with consumer default: bankruptcy vs. garnishment. (2011). Gordon, Grey ; Chatterjee, Satyajit.
    In: Working Papers.
    RePEc:fip:fedpwp:11-35.

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19. Maturity, indebtedness, and default risk. (2011). Eyigungor, Burcu ; Chatterjee, Satyajit.
    In: Working Papers.
    RePEc:fip:fedpwp:11-33.

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20. On the welfare implications of restricting bankruptcy information. (2011). Corbae, P. Dean ; Chen, Daphne.
    In: Journal of Macroeconomics.
    RePEc:eee:jmacro:v:33:y:2011:i:1:p:4-13.

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21. Who invests in home equity to exempt wealth from bankruptcy?. (2011). Laeven, Luc ; Huizinga, Harry ; Gropp, Reint ; Corradin, Stefano.
    In: Working Paper Series.
    RePEc:ecb:ecbwps:20111337.

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22. Debt Portfolios. (2011). Koeniger, Winfried ; Hintermaier, Thomas.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:8359.

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23. Evidence on the insurance effect of bankruptcy exemptions. (2010). Grant, Charles.
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:34:y:2010:i:9:p:2247-2254.

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24. Who Invests in Home Equity to Exempt Wealth from Bankruptcy?. (2010). Laeven, Luc ; Huizinga, Harry ; Gropp, Reint ; Corradin, Stefano.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:8097.

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25. A model of credit limits and bankruptcy with applications to welfare and indebtedness. (2009). Mateos-Planas, Xavier .
    In: Discussion Paper Series In Economics And Econometrics.
    RePEc:stn:sotoec:0910.

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26. Foreclosure and Bankruptcy--Policy Conclusions from the Current Crisis. (2009). Stroebel, Johannes ; Kuchler, Theresa.
    In: Discussion Papers.
    RePEc:sip:dpaper:08-037.

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27. Maturity, Indebtedness, and Default Risk. (2009). Eyigungor, Burcu ; Chatterjee, Satyajit.
    In: Koç University-TUSIAD Economic Research Forum Working Papers.
    RePEc:koc:wpaper:0901.

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28. HETEROGENEOUS BORROWERS IN QUANTITATIVE MODELS OF SOVEREIGN DEFAULT. (2009). Sapriza, Horacio ; Martinez, Leonardo ; Hatchondo, Juan.
    In: International Economic Review.
    RePEc:ier:iecrev:v:50:y:2009:i:4:p:1129-1151.

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29. On the cyclicality of the interest rate in emerging economy models: solution methods matter. (2009). Sapriza, Horacio ; Martinez, Leonardo ; Hatchondo, Juan.
    In: Working Paper.
    RePEc:fip:fedrwp:09-13.

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30. Are harsh penalties for default really better?. (2009). Young, Eric ; Tam, Xuan ; Athreya, Kartik.
    In: Working Paper.
    RePEc:fip:fedrwp:09-11.

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31. Long-duration bonds and sovereign defaults. (2009). Martinez, Leonardo ; Hatchondo, Juan.
    In: Working Paper.
    RePEc:fip:fedrwp:08-02.

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32. Maturity, indebtedness, and default risk. (2009). Eyigungor, Burcu ; Chatterjee, Satyajit.
    In: Working Papers.
    RePEc:fip:fedpwp:09-2.

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33. The option value of consumer bankruptcy. (2009). Cohen-Cole, Ethan.
    In: Risk and Policy Analysis Unit Working Paper.
    RePEc:fip:fedbqu:qau09-1.

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34. Unsecured credit markets are not insurance markets. (2009). Young, Eric ; Tam, Xuan ; Athreya, Kartik.
    In: Journal of Monetary Economics.
    RePEc:eee:moneco:v:56:y:2009:i:1:p:83-103.

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35. Long-duration bonds and sovereign defaults. (2009). Martinez, Leonardo ; Hatchondo, Juan.
    In: Journal of International Economics.
    RePEc:eee:inecon:v:79:y:2009:i:1:p:117-125.

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36. On borrowing limits and welfare. (2009). Obiols-Homs, Francesc.
    In: Working Papers.
    RePEc:bge:wpaper:401.

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37. Borrowing During Unemployment: Unsecured Debt as a Safety Net. (2008). Sullivan, James.
    In: Journal of Human Resources.
    RePEc:uwp:jhriss:v:43:y:2008:i:2:p:383-412.

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38. Optimal personal bankruptcy design : A Mirrlees approach. (2008). Grochulski, Borys.
    In: Working Paper.
    RePEc:fip:fedrwp:08-05.

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39. Household bankruptcy decision: the role of social stigma vs. information sharing. (2008). Cohen-Cole, Ethan ; Duygan-Bump, Burcu.
    In: Risk and Policy Analysis Unit Working Paper.
    RePEc:fip:fedbqu:qau08-6.

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40. Household debt repayment behaviour: what role do institutions play?. (2008). Duygan-Bump, Burcu ; Grant, Charles.
    In: Risk and Policy Analysis Unit Working Paper.
    RePEc:fip:fedbqu:qau08-3.

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41. Consumer durables and risky borrowing: The effects of bankruptcy protection. (2008). Pavan, Marina.
    In: Journal of Monetary Economics.
    RePEc:eee:moneco:v:55:y:2008:i:8:p:1441-1456.

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42. Do liquidity constraints generate excess sensitivity in consumption? New evidence from a sample of post-bankruptcy households. (2007). Fisher, Jonathan ; Filer, Larry.
    In: Journal of Macroeconomics.
    RePEc:eee:jmacro:v:29:y:2007:i:4:p:790-805.

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43. Accounting for the Rise in Consumer Bankruptcies. (2006). Tertilt, Michele ; MacGee, James (Jim) ; Livshits, Igor.
    In: Discussion Papers.
    RePEc:sip:dpaper:06-001.

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44. Unsecured debt with public insurance: From bad to worse. (2006). Simpson, Nicole ; Athreya, Kartik.
    In: Journal of Monetary Economics.
    RePEc:eee:moneco:v:53:y:2006:i:4:p:797-825.

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45. Welfare implications of endogenous credit limits with bankruptcy. (2006). Mateos-Planas, Xavier ; Seccia, Giulio .
    In: Journal of Economic Dynamics and Control.
    RePEc:eee:dyncon:v:30:y:2006:i:11:p:2081-2115.

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46. Fresh start or head start? Uniform bankruptcy exemptions and welfare. (2006). Athreya, Kartik.
    In: Journal of Economic Dynamics and Control.
    RePEc:eee:dyncon:v:30:y:2006:i:11:p:2051-2079.

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47. Consumer Bankruptcy: A Fresh Start. (2005). Tertilt, Michele ; MacGee, James (Jim) ; Livshits, Igor.
    In: Discussion Papers.
    RePEc:sip:dpaper:04-011.

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48. Sovereign Default and Debt Renegotiation. (2005). Yue, Vivian.
    In: 2005 Meeting Papers.
    RePEc:red:sed005:138.

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49. Economic Analysis of Corporate and Personal Bankruptcy Law. (2005). White, Michelle J..
    In: NBER Working Papers.
    RePEc:nbr:nberwo:11536.

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50. Redistributive Taxation and Personal Bankruptcy in US States. (2005). Koeniger, Winfried ; Grant, Charles.
    In: IZA Discussion Papers.
    RePEc:iza:izadps:dp1805.

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