Debt and Austerity

Implications of the Financial Crisis

Inbunden, Engelska, 2020

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Beskrivning

This 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.

Produktinformation

Utgivningsdatum:2020-11-13
Mått:156 x 234 x undefined mm
Format:Inbunden
Språk:Engelska
Förlag:Edward Elgar Publishing Ltd
ISBN:9781839104343

Utforska kategorier

Mer om författaren

Edited by Jodi Gardner, University of Auckland, New Zealand, 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

Recensioner i media

‘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.’

Innehållsförteckning

Contents:Foreword xvAcknowledgements xviiiPART I NATURE OF THE PROBLEM1 Understanding low-income debt in a high-income country 2Mia Gray, Katharina Möser and Jodi Gardner2 Mortgage debt in an age of austerity 30Susan J. Smith3 Debt begets debt: public and private debt in austerity Britain 46Mia Gray4 Austerity and financial safety nets: bankruptcy abuse prevention and bank protection in Irish post-crisis policy? 69Joseph Spooner5 The changing infrastructure of debt relief: privatisation,bureaucracy and public choice 94Katharina Möser6 ‘I just felt responsible for my debts’: debt stigma and class(ificatory) exploitation 125Matthew Sparkes7 Austere social reproduction and the gendered geographies of debt 151Sam StrongPART II NATURE OF THE SOLUTION8 The poverty premium and debt 175Sara Davies and Andrea Finney9 High-cost credit in the UK: what’s the problem and howshould policy respond? 194Karen Rowlingson10 The rise and rise of affordability complaints 219Sara Williams11 Consumer debt problems and the image of the consumer inSwedish consumer credit regulation 240Ann-Sofie Henrikson12 Partnering to address financial exclusion in Australia 260Jordan Grace13 Relief from austerity: the case for a targeted write-off of theUK’s household debt stock 280Johnna Montgomerie14 Austerity, inequality and high-cost credit: understanding therole of a social minimum 299Jodi GardnerIndex