Personal Insolvency in the 21st Century

...Ramsay's book is one of the most informative accounts of the development of personal insolvency law and law-making in the past decades and the best socio-legal explanation of the driving forces behind legislative developments. -- Jan-Ocko Heuer, Post-Doctoral Researcher, Humboldt University * International Insolvency Review * Ramsay ... makes a compelling case that research on personal insolvency law is important, by highlighting the growing prominence of the subject and the potential impact of research on the policy process. He also provides his readers with a smorgasbord of intellectual stimulants ... Ramsay has pointed the way towards fertile philosophical soil. His book is a lively and stimulating invitation to join him in tilling it. -- Anna Lund, Faculty of Law, University of Alberta * Banking & Finance Law Review * Personal Insolvency in the 21st Century is a must-read for anybody interested in insolvency and consumer credit. Scholars and students of the credit society, national and international institutions, and law will surely find this book insightful and inspiring as much as policy makers. It is not just an intelligent and much-needed analysis of personal insolvency law and reform but also an enjoyable read. -- Irina Domurath, University of Amsterdam * Journal of Consumer Policy * This succinct text represents an excellent analysis of the phenomenon of personal insolvency and the legal response to it across a range of jurisdictions... This monograph is a major contribution to scholarship and it has my fulsome recommendation. -- David Milman, School of Law, University of Lancaster * Journal of International Banking Law and Regulation *