Debtor education, financial literacy, and pending bankruptcy legislation
作者： Richard L. Wiener , Corinne Baron-Donovan , Karen Gross , Susan Block-Lieb
DOI: 10.1002/BSL.634
关键词: Psychiatry 、 Psychology 、 Legislation 、 Bankruptcy 、 Accounting 、 Balance (accounting) 、 Financial literacy 、 Debtor
摘要: This paper reports on an evaluation of a financial education-training program for residents New York who had filed bankruptcy. Over 400 individuals divided into three groups (trained debtors, untrained and non-debtors) completed identical questionnaires approximately months apart. Trained debtors took the pretest before training post-test after training. Results revealed that trained debtors' knowledge increased compared with non-debtors. showed more negative attitudes towards unnecessary spending other two reported less intention to buy than non-debtors reported. Self-reported behaviors significant changes in desired direction use credit cards (i.e. number owned, purchases, balance amount), paying bills, budgeting, borrowing from predatory lenders. Implications pending legislation are discussed. Copyright © 2005 John Wiley & Sons, Ltd.
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