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Forgive Us Our Trespasses?
The Rise of Consumer Debt in Modern America

(Released February 2009)

  by Matthew Ruben  


Key Citations

Visual Resources

News & Scholars


Resources eLibrary Resources
eLibrary Resources

    Graphic summarizes the options Treasury Secretary Timothy Geithner has to fix the ailing U.S. banking system. MCT 2009
    Knight-Ridder/Tribune News Service 01-27-2009

  2. Charts showing trend in amount of credit card debt outstanding, average interest rates and carryover balances.
    Knight-Ridder/Tribune News Service 09-23-2008

  3. Chart showing trend in U.S. consumer credit and in borrowing by banks, 2000-2008
    Knight-Ridder/Tribune News Service 09-18-2008
  4. Credit card debt

    Charts showing U.S. consumer debt. U.S. credit card holders on average increased their debt by nearly 5 percent in the fourth quarter of 2007.
    Chicago Tribune, Knight-Ridder/Tribune News Service 04-02-2008
  5. Subprime

    Graphic illustrates how the subprime mortgage crisis has hurt the overall economy.
    Detroit Free Press, Knight-Ridder/Tribune News Service 01-31-2008

    Knight-Ridder/Tribune News Service 12-07-2007
Resources taken from Proquest's eLibrary

Charts and Tables
  1. Self-Reported Credit Card Debt by Study Sample Characteristics

    Credit Card Debt, Stress and Key Health Risk Behaviors Among College Students
    Nelson, M.C.; Lust, K.; Story, M.; Ehlinger, E., American Journal of Health Promotion, Vol. 22, No. 6, pp. 400-407. Jul 2008.
  2. Comparison of Sample Companies with Other S&P 500 Companies Descriptive statistics for 237 firms used in a study of CEO pension plans compared with statistics for other firms in the Standard & Poor's 500 Index at year-end 2002. All data are sample means for the year 2002, and dollar values are in millions. The right column shows the p -value of a t -test for the difference in sample means. The sample of 237 firms includes all public companies in the 2002 Fortune 500 ranking of the largest U.S. firms that have a complete history of data on the ExecuComp database from 1993 to 2002. Because the sample of 237 firms includes 11 that do not belong to the S&P 500 Index, the total number of companies studied in this table equals 511. All information in the table is obtained from ExecuComp or company proxy statements. Stock option award values are based upon ExecuComp's Black-Scholes method. The indicator variable for CEO pay/service pension equals 1 if ExecuComp reports a positive value for the variable measuring years service accrued for pension. A small number of observations have missing values for certain variables.

    Pay Me Later: Inside Debt and Its Role in Managerial Compensation
    SUNDARAM, RANGARAJAN K.; YERMACK, DAVID L., Journal of Finance, Vol. 62, No. 4, pp. 1551-1588. Aug 2007.
  3. Consumer debt-income ratio in the USA.

    Maturity, Stagnation and Consumer Debt: A Steindlian Approach
    Dutt, Amitava Krishna, Metroeconomica, Vol. 57, No. 3, pp. 339-364. Jul 2006.
Tables taken from ProQuest's Illustrata
  1. Jessie X. Fan
    Associate Professor, Department of Family and Consumer Studies, University of Utah
    Dr. Fan is a consumer and family economist interested in consumer expenditure, saving, and credit use decisions and relevant policy issues.

  2. Jay Westbrook
    Benno C. Schmidt Chair, School of Law, University of Texas at Austin
    American Bar Association, for As We Forgive Our Debtors: Bankruptcy and Consumer Credit In America...). American Law Institute, International Statement of United States Bankruptcy Law (2003) (Reporter.... Consumer Bankruptcy in the United States: A Study of Alleged Abuse and of Local Legal Culture, 20 J

  3. Jean M. Lown
    Professor, Department of Family, Consumer, and Human Development, Utah State University
    Dr. Lown' s research interests include women and financial planning attitudes and practices, especially in relation to retirement planning. Her research asks how to motivate women to take more... overuse and consumer bankruptcy in Utah due to the high filing rate.

  4. Angeline M. Lavin
    Associate Professor, School of Business, University of South Dakota
    Jares, Timothy E. and Angeline M. Lavin. Ethical Issues in Valuing U.S. Based International Equity.... Development of a Credit Scoring Model for Subprime Debt. American Society of Business and Behavioral.... Who s Who in Business Higher Education, 2003-present Who's Who in America, 2000-present

Scholars taken from ProQuest's Community of Scholars