Living in the Valley of the Shadow of Debt
Nearly 40% of California homeowners spend more than the target 30% of their income on housing; 15% spend more than 50% . Therein lies the start of financial instability.
Liz Warren’s book on the Two Income Trap identified the quest for schools in better school districts as the reason that two income middle class families were going broke at record rates. The budget simply had no margin for error, or for illness, job loss, or divorce.
So, while the bankruptcy schedules show credit card debt, its probable those credit cards were used to provide the goods for day to day living in a housing market gone mad.
April 15th, 2006 at 12:05 pm
a study done on the new bankruptcy laws found this:
“The study carried out by National Association of Consumer Bankruptcy Attorneys (NACBA) found that of the 61,355 consumers who were asked to seek help from credit counseling firms in paying back their debts, 97% of them were not able to pay even little amounts. Under the new bankruptcy law, credit counseling is one of the first required steps that consumers must undergo, in order to proceed with their bankruptcy filings.
The study also found that almost 4 out of 5 consumers were not declaring bankruptcy to dodge and do away their debts. Unavoidable circumstances such as death of a spouse, loss of job or huge medical bills and expenses were some of the reasons.”
Source: http://www.moneysavingfreetips.com/new-bankruptcy-law.html
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