Providing for Consideration of S. 256, Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 PDF Download
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Author: Sheila M. Williams Publisher: Cch Incorporated ISBN: 9780808013051 Category : Business & Economics Languages : en Pages : 437
Book Description
With its recent enactment, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 has created the largest overhaul of the Bankruptcy Code since its enactment in 1978. Many of the provisions from the sweeping changes will soon become effective, so we have assembled the critical information you need today in order to start planning for your clients. The writers at CCH and Aspen Publishers have been closely monitoring the Law in order to provide you with timely and insightful analysis. This unique publication includes the full text of the legislation, a table of statutes added or amended by the Act, table of effective dates, invaluable CCH explanation of the provisions in the Act, selected committee reports and other legislative history. The 14 explanatory chapters provide detailed discussion of all of the changes to the Bankruptcy Code, including specialized treatment of the legislation's tax provisions in a chapter authored by bankruptcy tax expert, Kenneth C. Weil. It's a must-have resource for every practitioner, particularly those working in the area of business and consumer bankruptcy law and tax. Moreover, compliance officers and inside counsel for financial institutions and credit and collections firms will find this text highly beneficial because of the important new means testing provisions. Other significant business and legal issues impacted by the Act include: Bankruptcy Tax Provisions Business Bankruptcy Provisions Cross-Border Cases Financial Contracts Family Farmers Health Care Providers Consumer Credit Disclosure Corporate Bankruptcy Abuse
Author: Devin Fergus Publisher: Oxford University Press ISBN: 0199970173 Category : Political Science Languages : en Pages : 288
Book Description
The loans ordinary Americans take out to purchase homes and attend college often leave them in a sea of debt. As Devin Fergus explains in Land of the Fee, a not-insignificant portion of that debt comes in the form of predatory hidden fees attached to everyday transactions. Beginning in the 1980s, lobbyists for the financial industry helped dismantle consumer protections, resulting in surreptitious fees-often waived for those who can afford them but not for those who can't. Bluntly put, these hidden fees unfairly keep millions of Americans from their hard-earned money. Journalists and policymakers have identified the primary causes of increasing wealth inequality-fewer good working class jobs, a rise in finance-driven speculative capitalism, and a surge of tax policy decisions that benefit the ultra-rich, among others. However, they miss one commonplace but substantial contributor to the widening divide between the rich and the rest: the explosion of fees on every transaction people make in their daily lives. Land of the Fee traces the system of fees from its origins in the deregulatory wave of the late 1970s to the present. The average consumer now pays a dizzying array of charges for mortgage contracts, banking transactions, auto insurance rates, college payments, and payday loans. These fees are buried in the pages of small-print agreements that few consumers read or understand. Because these fees do not fall under usury laws, they have redistributed wealth to large corporations and their largest shareholders. By exposing this predatory and nearly invisible system of fees, Land of the Fee reshapes our understanding of wealth inequality in America.