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.}}{\*\pnseclvl9\pnlcrm\pnstart1 }\pard\plain \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\lang4105\langfe1033\langnp4105\insrsid2039752 SEQ CHAPTER \\h \\r 1}}{\fldrslt }}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 IRC Comparative Consumer Overindebtedness \par }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2039752 at the Law & Society Conference \par Humboldt University, Berlin, July 25-28, 2007}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par PROGRAM \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 \par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\ul\insrsid2039752 Panel 1 - Consumer Credit Regulation.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 Session #1105: Wednesday, 25 July, 8:15 AM. \par \par Chair-Discussant: Iain Ramsay, Professor of Law, Osgoode Hall Law School, Toronto, Canada }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:iramsay@osgoode.yorku.ca" }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b400000006d00610069006c0074006f003a006900720061006d0073006100790040006f00730067006f006f00640065002e0079006f0072006b0075002e00630061000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 iramsay@osgoode.yorku.ca}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 The Politics of the Federalization of Consumer Credit Regulation in the European Union and the United States, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 by Sefa Franken, University of Tilburg, The Netherlands, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:S.M.Franken@uvt.nl." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b360000006d00610069006c0074006f003a0053002e004d002e004600720061006e006b0065006e0040007500760074002e006e006c002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 S.M.Franken@uvt.nl.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \tab \tab \tab \tab \tab \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Re-regulating Consumer Credit in Japan: The Politics and Economics of Contemporary Law Reform, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 by Professor Souichirou Kozuka, Sophia University law School, Japan, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:s-kozuka@sophia.ac.jp" }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3a0000006d00610069006c0074006f003a0073002d006b006f007a0075006b006100400073006f0070006800690061002e00610063002e006a0070000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 s-kozuka@sophia.ac.jp}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Professor Luke Nottage, Faculty of Law, Univ ersity of Sydney, Australia, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:luken@law.usyd.edu.au." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3c0000006d00610069006c0074006f003a006c0075006b0065006e0040006c00610077002e0075007300790064002e006500640075002e00610075002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 luken@law.usyd.edu.au.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Consumer Finance and the Reinforcement of Class Structures, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 by Professor Lois Lupica, University of Maine School of Law, USA, } {\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:lupica@usm.maine.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3a0000006d00610069006c0074006f003a006c00750070006900630061004000750073006d002e006d00610069006e0065002e006500640075002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 lupica@usm.maine.edu.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 A Cross-Cultural and Empirical Approach to Studying Credit Card Regulation, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 by Professor Richard Wiener, University of Nebraska at Lincoln, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:rwiener2@unl.edu" }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b300000006d00610069006c0074006f003a0072007700690065006e00650072003200400075006e006c002e006500640075000000}}}{\fldrslt { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 rwiener2@unl.edu}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Professor Susan Block-Lieb, School of Law, Fordham University, NYC, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:sblocklieb@law.fordham.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b460000006d00610069006c0074006f003a00730062006c006f0063006b006c0069006500620040006c00610077002e0066006f0072006400680061006d002e006500640075002e000000}}}{\fldrslt { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 sblocklieb@law.fordham.edu.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\ul\insrsid2039752 Panel 2 - Bankruptcy Filing Rates and the Reasons Therefore}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 . Session #1306: Wednesday, 25 July, 12:30 PM. \par \par Chair/Discussant: Professor Jean Braucher, University Arizona School of Law, Tucson, AZ, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:braucher@law.arizona.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a006200720061007500630068006500720040006c00610077002e006100720069007a006f006e0061002e006500640075002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 braucher@law.arizona.edu.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Consumer Bankruptcy In Germany}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Wolfram Backert, Department of Sociology, University of Technology, Chemnitz, Germany, } {\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:wolfram.backert@phil.tu-chemnitz.de," }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b580000006d00610069006c0074006f003a0077006f006c006600720061006d002e006200610063006b0065007200740040007000680069006c002e00740075002d006300680065006d006e00690074007a002e006400 65002c000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 wolfram.backert@phil.tu-chemnitz.de}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 . Co-authors (all from same Univesity): G\'f6tz Gechner, Katja Maischatz & Ditmar Brock. \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Access to the Consumer Bankruptcy Process}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor Stephanie Ben-Ishai, Osgoode Hall Law School, York University, Toronto, Canada, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:sben-ishai@osgoode.yorku.ca," }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b480000006d00610069006c0074006f003a007300620065006e002d006900730068006100690040006f00730067006f006f00640065002e0079006f0072006b0075002e00630061002c000000}}}{\fldrslt { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 sben-ishai@osgoode.yorku.ca,}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Professor Saul Schwartz, Department of Economics, Carleton University, Ottawa, Canada, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:saul_schwartz@carleton.ca." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b440000006d00610069006c0074006f003a007300610075006c005f0073006300680077006100720074007a0040006300610072006c00650074006f006e002e00630061002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 saul_schwartz@carleton.ca.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 What Happens When the Glass Breaks?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Michael Green, School for Business, University of Wales-Bangor, UK, }{\field{\*\fldinst { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:a.mgreen@virgin.net." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b380000006d00610069006c0074006f003a0061002e006d0067007200650065006e004000760069007200670069006e002e006e00650074002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 a.mgreen@virgin.net.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 A Comparative Analysis of Filing Rates and the Severity of Consumer Bankruptcy Law}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor Ronald Mann, University of Texas School of Law, Austin, TX, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:rmann@law.utexas.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3a0000006d00610069006c0074006f003a0072006d0061006e006e0040006c00610077002e007500740065007800610073002e006500640075002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 rmann@law.utexas.edu.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\ul\insrsid2039752 Panel 3 - Political Economy of Consumer Bankruptcy and Overindebtedness}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 . Session #2206: Thursday, 26 July, 10:15 AM \par \par Chair/Discussant: Professor Jose Reinaldo Lopes, University of Sao Paolo, Brazil. }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:jrllopes@terra.com.br." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3c0000006d00610069006c0074006f003a006a0072006c006c006f007000650073004000740065007200720061002e0063006f006d002e00620072002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 jrllopes@terra.com.br.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 \par Consumer Finance and Debt Relief in India}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor Adam Feibelman, Faculty of Law, University of North Carolina, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:adam.feibelman@unc.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3e0000006d00610069006c0074006f003a006100640061006d002e00660065006900620065006c006d0061006e00400075006e0063002e006500640075002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 adam.feibelman@unc.edu.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Over-Indebted Households and Law: Prevention and Rehabilitation in Europe}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Ann-Sofie Henrikson, Ume\'e5 University, Sweden, and Professor Johanna Niemi-Kiesilainen, Ume\'e5 University, Sweden, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:johanna.niemi@jus.umu.se." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a006a006f00680061006e006e0061002e006e00690065006d00690040006a00750073002e0075006d0075002e00730065002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 johanna.niemi@jus.umu.se.}}}\sectd \sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par \sect }\sectd \ltrsect\marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\footerr \ltrpar \pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\posxc\nowrap\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 PAGE }}{\fldrslt }}\sectd \marglsxn1394\margrsxn1574\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par }\pard \ltrpar\ql \li0\ri0\sl19\slmult1\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par }\pard \ltrpar\ql \li6480\ri0\sl19\slmult1\nowidctlpar\wrapdefault\faauto\rin0\lin6480\itap0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par }\pard \ltrpar\ql \li0\ri0\sl19\slmult1\nowidctlpar\tx0\tx720\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2039752 \par }}{\*\pnseclvl1\pndec\pnstart1 }{\*\pnseclvl2\pndec\pnstart1 }{\*\pnseclvl3\pndec\pnstart1 }{\*\pnseclvl4\pndec\pnstart1 }{\*\pnseclvl5\pndec\pnstart1 }{\*\pnseclvl6\pndec\pnstart1 }{\*\pnseclvl7\pndec\pnstart1 }{\*\pnseclvl8\pndec\pnstart1 }{\*\pnseclvl9 \pnlcrm\pnstart1 {\pntxta )}}\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\tx0\tx720\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Comparative Cause and Effect: Consumer Insolvency and the Eroding Social Security Net}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor Jason Kilborn, University of North Dakota School of Law, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:jason_kilborn@hotmail.com." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b440000006d00610069006c0074006f003a006a00610073006f006e005f006b0069006c0062006f0072006e00400068006f0074006d00610069006c002e0063006f006d002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 jason_kilborn@hotmail.com.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Overindebtedness and its Regulation in the UK: Moral Panic or \'93A Moment of Modernization\'94?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Iain Ramsay, Osgoode Hall Law School, Toronto, Canada, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:iramsay@osgoode.yorku.ca." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a006900720061006d0073006100790040006f00730067006f006f00640065002e0079006f0072006b0075002e00630061002e000000}}}{\fldrslt { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 iramsay@osgoode.yorku.ca.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\ul\insrsid2039752 Panel 4 - Studies in Pre-Bankruptcy Debt Collection.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 Session #2407: Thursday, 26 July, 2:30 PM. \par \par Chair/Discussant: Sefa Franken, University of Tilburg, The Netherlands, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:S.M.Franken@uvt.nl." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b360000006d00610069006c0074006f003a0053002e004d002e004600720061006e006b0065006e0040007500760074002e006e006c002e000000}} }{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 S.M.Franken@uvt.nl.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Brazilian Jurisprudence Concerning Consumers Law}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Leonardo Bessa, Universidade Estadual do Rio de Janeiro, Brazil & Walter Moura, UniCEUB, Brazil. \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Homeownership at any Price? An Analysis of Home Mortgage Deliquency and Foreclosure Interventions in the U.S., }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 by Melissa Jacoby, Faculty of Law, University of North Carolina, USA. }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:mjacoby@email.unc.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3c0000006d00610069006c0074006f003a006d006a00610063006f0062007900400065006d00610069006c002e0075006e0063002e006500640075002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 mjacoby@email.unc.edu.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Participation of Debtors in Debt Enforcement Proceedings and Effectiveness of Money Advice As an Intervention}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Paul Joyce, Free Legal Advice Centres, Ltd., Ireland. }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:paul.joyce@flac.ie." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b360000006d00610069006c0074006f003a007000610075006c002e006a006f00790063006500400066006c00610063002e00690065002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 paul.joyce@flac.ie.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \sect }\sectd \ltrsect\marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\footerr \ltrpar \pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\posxc\nowrap\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 PAGE }}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\lang1024\langfe1024\noproof\insrsid2039752 3}}} \sectd \marglsxn1394\margrsxn1574\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par }\pard \ltrpar\ql \li55\ri-52\sl19\slmult1\nowidctlpar\wrapdefault\faauto\rin-52\lin55\itap0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2039752 \par }}\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\tx0\tx720\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 The Overindebtedness in Brazil: Empirical Research Methodology and Case Analysis}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Bruno Miragem, Federal University of Rio Grande do Sul (UFRGS), Brazil, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:bmiragem@uol.com.br," }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b380000006d00610069006c0074006f003a0062006d00690072006100670065006d00400075006f006c002e0063006f006d002e00620072002c000000}} }{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 bmiragem@uol.com.br,}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Ros\'e2ngela Cavalazzi, Federal University of Rio de Janeiro, Brazil, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:cavallazzi@uol.com.br." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3c0000006d00610069006c0074006f003a0063006100760061006c006c0061007a007a006900400075006f006c002e0063006f006d002e00620072002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 cavallazzi@uol.com.br.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\ul\insrsid2039752 Panel 5 - Debt Adjustment Programs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 . Session #3105, Friday, 27 July, 8:15 AM. \par \par Chair: Professor William Whitford, Wisconsin Law School, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:whitford@mailplus.wisc.edu" }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b440000006d00610069006c0074006f003a00770068006900740066006f007200640040006d00610069006c0070006c00750073002e0077006900730063002e006500640075000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 whitford@mailplus.wisc.edu}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par Discussant: Judge Georg Kodek, Supreme Court of Austria, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:georg.kodel@univie.ac.at." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a00670065006f00720067002e006b006f00640065006c00400075006e0069007600690065002e00610063002e00610074002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\ul\cf2\insrsid2039752 georg.kodel@univie.ac.at.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Elderly Consumer Weakness in \'93Withholding Credit\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Johannes Doll, Federal University of Rio Grande do Sul (UFRGS), } {\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:johannes.doll@ufrgs.br," }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3e0000006d00610069006c0074006f003a006a006f00680061006e006e00650073002e0064006f006c006c004000750066007200670073002e00620072002c000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 johannes.doll@ufrgs.br,}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Marli Sampaio, Procon-SP, Brazil, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:marli.as@terra.com.br." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3c0000006d00610069006c0074006f003a006d00610072006c0069002e00610073004000740065007200720061002e0063006f006d002e00620072002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 marli.as@terra.com.br.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 The Context of Overindebtedness\rquote Regulation}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Catarina Frade, University of Coimbra, Portugal, }{\field{\*\fldinst { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:cfrade@fe.uc.pt," }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b300000006d00610069006c0074006f003a006300660072006100640065004000660065002e00750063002e00700074002c000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 cfrade@fe.uc.pt,}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Cl\'e1 udia Lopes, University of Coimbra, Portugal, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:calopes@fpce.uc.pt." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b360000006d00610069006c0074006f003a00630061006c006f00700065007300400066007000630065002e00750063002e00700074002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 calopes@fpce.uc.pt.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 The Dutch Consumer Bankruptcy Act (\'93Wet schuldsanering natuurlijke personen\'94 or Wsnp): The End of the Voluntary Debt Settlement Procedure or a New Beginning?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Nadja Jungmann, Erasmus Universiteit, The Netherlands, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:nadja.jungmann@planet.nl," }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a006e00610064006a0061002e006a0075006e0067006d0061006e006e00400070006c0061006e00650074002e006e006c002c000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 nadja.jungmann@planet.nl,}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Professor Nick Huls, Erasmus Universiteit Rotterdam, The Netherlands, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:huls@frg.eur.nl." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b300000006d00610069006c0074006f003a00680075006c00730040006600720067002e006500750072002e006e006c002e000000}}}{\fldrslt { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 huls@frg.eur.nl.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Prevention of Overindebtedness and Mechanisms For Resolving Overindebtedness of South African Consumers}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Michelle Kelly-Lou w, University of South Africa, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:kelly@unisa.ac.za." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b340000006d00610069006c0074006f003a006b0065006c006c007900400075006e006900730061002e00610063002e007a0061002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 kelly@unisa.ac.za.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\ul\insrsid2039752 Panel 6 - Judicialized Payment Plans}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 . Session #4206: Saturday, 27 July, 10:30 AM. \par \par Chair/Discussant: Johanna Niemi-Kiesilainen, Ume\'e5 University, Sweden, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:johanna.niemi@jus.umu.se" }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b400000006d00610069006c0074006f003a006a006f00680061006e006e0061002e006e00690065006d00690040006a00750073002e0075006d0075002e00730065000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 johanna.niemi@jus.umu.se}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 A Comparative Study Of Repayment Forms of Individual Bankruptcy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor Jean Braucher, University of Arizona School of Law, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:braucher@law.arizona.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a006200720061007500630068006500720040006c00610077002e006100720069007a006f006e0061002e006500640075002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 braucher@law.arizona.edu.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 The Overindebtedness and the Judicial Experience in the South of Brazil: The Renegotiation of the Debt\rquote s Project}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Clarrisa de Lima, Universidade Federal do Rio Grande do Sol (UFRGS), Brazil, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:clarissalima@via-rs.net," }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b400000006d00610069006c0074006f003a0063006c006100720069007300730061006c0069006d00610040007600690061002d00720073002e006e00650074002c000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 clarissalima@via-rs.net,}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Karen Bertoncello, Universidade Federal do Rio Grande do Sol (UFRGS), Brazil, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:knbertoncello@uol.com.br." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a006b006e0062006500720074006f006e00630065006c006c006f00400075006f006c002e0063006f006d002e00620072002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 knbertoncello@uol.com.br.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 The Australian Experience With Debt Agreements}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor John Duns, Monash University, Australia, }{\field{\*\fldinst { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:john.duns@law.monash.edu.au," }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b480000006d00610069006c0074006f003a006a006f0068006e002e00640075006e00730040006c00610077002e006d006f006e006100730068002e006500640075002e00610075002c000000}}}{\fldrslt { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 john.duns@law.monash.edu.au,}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Professor Rosalind Mason, University of Southern Queensland, Australia, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:rosmason@usg.edu.au." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b380000006d00610069006c0074006f003a0072006f0073006d00610073006f006e0040007500730067002e006500640075002e00610075002e000000}} }{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 rosmason@usg.edu.au.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Portraits of Consumer Bankrupts in Korea}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor Soogeun Oh, Ewha Women\rquote s University, South Korea, }{\field{\*\fldinst { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:soh@ewha.ac.kr." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b2e0000006d00610069006c0074006f003a0073006f006800400065007700680061002e00610063002e006b0072002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 soh@ewha.ac.kr.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\ul\insrsid2039752 Panel 7 - Responsible Lending}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 . Session # 4405: Saturday, 27 July, 2:30 PM \par \par Chair/Discussant: Karen Gross, President, Southern Vermont College, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:kgross@svc.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b2e0000006d00610069006c0074006f003a006b00670072006f007300730040007300760063002e006500640075002e000000}}}{\fldrslt { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 kgross@svc.edu.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Over-indebtedness, Predatory Lending, and the International Political Economy of Consumer Credit Securitization}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by P rofessor Christopher Peterson, University of Florida School of Law, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:petersonc@law.ufl.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3c0000006d00610069006c0074006f003a007000650074006500720073006f006e00630040006c00610077002e00750066006c002e006500640075002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 petersonc@law.ufl.edu.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 A Call to Arms: Regulation of Consumer Lending}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor Udo Reifner, Institute for Financial Services, Hamburg, Germany, } {\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:udo.reifner@iff-hamburg.de" }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b440000006d00610069006c0074006f003a00750064006f002e0072006500690066006e006500720040006900660066002d00680061006d0062007500720067002e00640065000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 udo.reifner@iff-hamburg.de}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 . \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Inequality and Access to Financial Services}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor Gregory Squires, Department of Sociology, George Washington University, Washington, D.C., USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:squires@gwu.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b300000006d00610069006c0074006f003a00730071007500690072006500730040006700770075002e006500640075002e000000}} }{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 squires@gwu.edu.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Overindebted Consumers and Consumer Insolvencies: Creditors and Governments in Denial - The Canadian Experience}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Professor Jacob Ziegel, University of Toronto, Canada, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:j.ziegel@utoronto.ca." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3a0000006d00610069006c0074006f003a006a002e007a0069006500670065006c004000750074006f0072006f006e0074006f002e00630061002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 j.ziegel@utoronto.ca.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\ul\insrsid2039752 Panel 8 - New & Emerging Bankruptcy Systems}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 . Session #4506: Saturday, 27 July, 4:30 PM. \par \par Chair/Discussant: Professor William Whitford, University of Wisconsin Law School, USA, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:whitford@mailplus.wisc.edu." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b460000006d00610069006c0074006f003a00770068006900740066006f007200640040006d00610069006c0070006c00750073002e0077006900730063002e006500640075002e000000}}}{\fldrslt { \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 whitford@mailplus.wisc.edu.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Tax Debts and the Concept of Discharge in Consumer Insolvency Legislation From a Belgian Viewpoint}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Bertel De Groote, Ghent University College, Belgium, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:bertel.degroote@hogent.be" }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a00620065007200740065006c002e0064006500670072006f006f0074006500400068006f00670065006e0074002e00620065000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 bertel.degroote@hogent.be}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Bankruptcy Developments in the Countries of Former Yugoslavia}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Tatjana Jovanic, University of Belgrade School of Law, Serbia, } {\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:jovanictatjana@yahoo.com." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a006a006f00760061006e00690063007400610074006a0061006e00610040007900610068006f006f002e0063006f006d002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 jovanictatjana@yahoo.com.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Consumer Overindebtedness in Brazil and the Need of a New Consumer Bankruptcy Legislation}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Claudia Lima Marques, Universidade Federal do Rio Grande do Sol (UFRGS), Brazil, }{\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:cmarques@portoweb.com.br." }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b420000006d00610069006c0074006f003a0063006d00610072007100750065007300400070006f00720074006f007700650062002e0063006f006d002e00620072002e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 cmarques@portoweb.com.br.}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 & Judge Antonio Benjamin, Superior Tribunal de Justi\'e7a \par \par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid2039752 Legal Thinking of Establishing Consumer Bankruptcy System in China}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 , by Ming Qi, Jilin University School of Law, China, } {\field{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 HYPERLINK "mailto:qmebox@yahoo.com.cn" }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752\charrsid2039752 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b360000006d00610069006c0074006f003a0071006d00650062006f00780040007900610068006f006f002e0063006f006d002e0063006e000000}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs96\fs24\cf2\insrsid2039752 qmebox@yahoo.com.cn}}}\sectd \marglsxn1394\margrsxn1574\sbknone\linex0\headery1440\footery1440\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2039752 \par \par }}