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D1b Finding Relief from Debt: A Long-term Comparison of Canadian Debt Relief Options
Key Words
debt relief, bankruptcy, credit counselling
Short Description
The purpose of this study is to evaluate the financial outcomes of Canadians who have completed a debt relief program. The primary research question is whether consumers who used a debt repayment plan are better or worse off than individuals who discharged their debt using another method. The primary method used to analyze the time-series data is a generalized spline (piecewise polynomial function) with different degrees of continuity at selected points (knots). We find significant differences between the debt relief groups with bankruptcy filers recovering the most quickly on key measures.
First & Corresponding Author
Jodi Letkiewicz, York University
Authors in the order to be printed
Jodi Letkiewicz