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OverviewThis book explores the complex interactions between debt and austerity, analysing the social, economic, and legal implications of governments’ responses to the 2008 financial crisis. Demonstrating how the nature of debt for those on low incomes has changed radically over the last decade, the chapters provide insight into how structural inequality was exacerbated by changes in the redistributive state, the legal system, and the welfare system. The examination occurs on a number of levels and these issues are explored through the lens of power, place, and class. The authors utilize both international case studies and 'on the ground' experiences, reviewing the role of high cost credit, bailiffs, local governments, bankruptcy, and debt advice. Through the analysis of the nature and structure of debt in specific countries, it highlights important lessons for a global audience. This unique book offers a broad, multi-faceted insight into the issue of low-income debt which will greatly benefit academics in law, social policy, geography, and economics. Its focus on practical steps and potential reforms, as well as contributions from third sector organizations, will also interest practitioners, policymakers, and NGOs. Full Product DetailsAuthor: Jodi Gardner , Mia Gray , Katharina MoserPublisher: Edward Elgar Publishing Ltd Imprint: Edward Elgar Publishing Ltd ISBN: 9781839104343ISBN 10: 1839104341 Pages: 360 Publication Date: 13 November 2020 Audience: Professional and scholarly , Professional & Vocational Format: Hardback Publisher's Status: Active Availability: To order  Stock availability from the supplier is unknown. We will order it for you and ship this item to you once it is received by us. Table of ContentsContents: Foreword xv Acknowledgements xviii PART I NATURE OF THE PROBLEM 1 Understanding low-income debt in a high-income country 2 Mia Gray, Katharina Moeser and Jodi Gardner 2 Mortgage debt in an age of austerity 30 Susan J. Smith 3 Debt begets debt: public and private debt in austerity Britain 46 Mia Gray 4 Austerity and financial safety nets: bankruptcy abuse prevention and bank protection in Irish post-crisis policy? 69 Joseph Spooner 5 The changing infrastructure of debt relief: privatisation, bureaucracy and public choice 94 Katharina Moeser 6 'I just felt responsible for my debts': debt stigma and class (ificatory) exploitation 125 Matthew Sparkes 7 Austere social reproduction and the gendered geographies of debt 151 Sam Strong PART II NATURE OF THE SOLUTION 8 The poverty premium and debt 175 Sara Davies and Andrea Finney 9 High-cost credit in the UK: what's the problem and how should policy respond? 194 Karen Rowlingson 10 The rise and rise of affordability complaints 219 Sara Williams 11 Consumer debt problems and the image of the consumer in Swedish consumer credit regulation 240 Ann-Sofie Henrikson 12 Partnering to address financial exclusion in Australia 260 Jordan Grace 13 Relief from austerity: the case for a targeted write-off of the UK's household debt stock 280 Johnna Montgomerie 14 Austerity, inequality and high-cost credit: understanding the role of a social minimum 299 Jodi Gardner IndexReviews'The book is brilliant for illuminating the crush and bind of debt for low-income individuals in otherwise high-income British society since the advent of post-2008 austerity. Far from a unique and cloistered experience of the unlucky or undeserving, the book makes clear how gripping debt will remain without a range of urgently needed policy changes. These chapters will be indispensable reading for students, scholars, civil society, and, one desperately hopes, policy makers.' -- Heather Whiteside, Economic Geography 'As problems of debt and overindebtedness loom large in the wake of the Coronavirus pandemic, this rich and interdisciplinary collection of essays provides timely insights into the theoretical, policy and practical issues in addressing problems of debt and low income in contemporary society.' -- Iain Ramsay, University of Kent, UK 'As problems of debt and overindebtedness loom large in the wake of the Coronavirus pandemic, this rich and interdisciplinary collection of essays provides timely insights into the theoretical, policy and practical issues in addressing problems of debt and low income in contemporary society.' 'As problems of debt and overindebtedness loom large in the wake of the Coronavirus pandemic, this rich and interdisciplinary collection of essays provides timely insights into the theoretical, policy and practical issues in addressing problems of debt and low income in contemporary society.' -- Iain Ramsay, University of Kent, UK 'As low and moderate-income households become ever more dependent on debt to survive this historic COVID-19 pandemic, this book identifies the real culprits who have made these debt burdens grow faster than they should have. The authors show how austerity is leading to the opposite of its intended outcome as privatized troubles become public burdens. Laying the groundwork for targeted debt forgiveness, these accomplished scholars offer a pathway out of the crisis into a more prosperous and just future.' -- Frederick F. Wherry, Princeton University, US and Founding Director, the Dignity and Debt Network Author InformationEdited by Jodi Gardner, University Lecturer, Faculty of Law, University of Cambridge and Fellow of St John's College, Mia Gray, Senior University Lecturer, Department of Geography, University of Cambridge and Fellow at Girton College and Katharina Moser, Lecturer, Birmingham Law School, University of Birmingham, UK Tab Content 6Author Website:Countries AvailableAll regions |
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