Mia Gray – författare

Challenging how social scientists, policymakers, legal scholars, and the public examine household debts and wellbeing, Viral Debt traces how debt moves within and across households to communities and institutions, with devastating effects.Debt is not merely a contractual condition, it is also an inherently unequal relationship between creditor and debtor that can exploit pre-existing vulnerabilities while creating new ones. With a roster of leading social science and socio-legal scholars, this book shows how debt – like a contagion – works systematically across economic and social structures and geographies, demonstrating the ways in which policy has exacerbated the problem of debt through policy choices.This volume offers urgent answers by drawing on quantitative data about household indebtedness, credit and debt policies, and local court actions, together with qualitative research.The Open Access version of this book, available at www.taylorfrancis.com, has been made available under a Creative Commons Attribution-NonCommercial-NoDerivatives (CC BY-NC-ND) 4.0 International license.

Challenging how social scientists, policymakers, legal scholars, and the public examine household debts and wellbeing, Viral Debt traces how debt moves within and across households to communities and institutions, with devastating effects.Debt is not merely a contractual condition, it is also an inherently unequal relationship between creditor and debtor that can exploit pre-existing vulnerabilities while creating new ones. With a roster of leading social science and socio-legal scholars, this book shows how debt – like a contagion – works systematically across economic and social structures and geographies, demonstrating the ways in which policy has exacerbated the problem of debt through policy choices.This volume offers urgent answers by drawing on quantitative data about household indebtedness, credit and debt policies, and local court actions, together with qualitative research.The Open Access version of this book, available at www.taylorfrancis.com, has been made available under a Creative Commons Attribution-NonCommercial-NoDerivatives (CC BY-NC-ND) 4.0 International license.

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.