Berkowitz, Jeremy and Richard M. Hynes (1999): "Bankruptcy Exemptions and the Market for Mortgage Loans," Journal of Law and Economics, vol. 42, 809-830. Home/Search Document Details and Download
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Leverage and house-price dynamics in U.S. cities - Lamont, Stein (1997) (Correct)
....a mortgage lender is senior to any bankruptcy exemptions. Thus one might expect that in states with generous exemptions, there would be more in the way of mortgage credit, as borrowers and lenders substitute away from unsecured credit. Evidence supportive of this hypothesis is documented by Hynes and Berkowitz (1998). This insight that there will be more mortgage lending in states with generous exemptions forms the basis of our identification strategy. 18 We collected data on state level homestead exemptions in 1983 from Gropp, Scholz and White (1997) Including the District of Columbia, there are 29 ....
Hynes, R. and Berkowitz, J. "Bankruptcy Exemptions and the Market for Mortgage Loans." Working paper, Federal Reserve Board, 1998.
Bankruptcy and Small Firms' Access to Credit - Berkowitz, White (1999) Self-citation (Berkowitz) (Correct)
....likely to be turned down for credit, but demand for loans increased. Overall they found that higher bankruptcy exemption levels tend to shift credit from low asset households to high asset households, since lenders are willing to accomodate the increased demand of the latter but not the former. Berkowitz and Hynes #1998# re examined this issue for mortgage loans, distinguishing between the twotypes of bankruptcy exemptions. Peterson and Rajan #1994# and #1996# examine small business credit markets using earlier versions of the NSSBF. They are mainly concerning with examining the e#ects of long term ....
Berkowitz, J., and R. Hynes, 1998, #Bankruptcy Exemptions and the Market for Mortgage Loans," Forthcoming, J. of Law and Economics.
Redistributive Taxation and - Personal Bankruptcy In (Correct)
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Berkowitz, Jeremy and Richard M. Hynes (1999): "Bankruptcy Exemptions and the Market for Mortgage Loans," Journal of Law and Economics, vol. 42, 809-830.
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