73 - A Preview Of “Chapter 11 At The Crossroads”, ABI’s Legislative Symposium In November

Providing a preview of ABI’s upcoming Legislative Symposium to examine the future of corporate restructurings on a policy level, ABI Executive Director Sam Gerdano speaks with the architect of the event, ABI President Bob Keach of Bernstein, Shur, Sawyer & Nelson PA (Portland, Maine). The “Chapter 11 at the Crossroads: Does Reorganization Need Reform?” Legislative Symposium will take place at Georgetown University Law Center in Washington, D.C. on Nov. 16-17. Funded by ABI’s Anthony H.N. Schnelling Endowment Fund, the Symposium is a free event for ABI members, congressional staff, researchers, scholars and the press. The Symposium faculty will re-examine the traditional framework of insolvency law against today’s headlines and consider new ways going forward.

72 - America’s Addiction to Debt

As high levels of household debt look to push over 1.4 million Americans into bankruptcy in 2009, ABI Executive Director Sam Gerdano discusses consumer addiction to debt with Dr. Charles Geisst, the author of the recently published Collateral Damaged: The Marketing of Consumer Debt to America. Professor of finance at Manhattan College and author of seventeen books, Dr. Geisst extensively studies and writes about issues concerning consumer debt and finance from Wall Street to main street America. The podcast examines the history of consumer debt and what policies and proposals might be effective in reversing the current economic downturn.

71 - Securitization Not to Blame for Servicer Reluctance to Modify Mortgages

A new study by Federal Reserve researchers found that government initiatives to stem the country’s mounting foreclosures are hampered because banks and other lenders in many cases have more financial incentive to let borrowers lose their homes than to work out settlements. ABI Executive Director Sam Gerdano discusses the study “Why Don’t Lenders Renegotiate More Home Mortgages? Redefaults, Self-Cures, and Securitization” with two of the study’s authors, Dr. Paul Willen and Dr. Kristopher Gerardi. Willen is a Senior Economist and Policy Advisor in the Research Department of the Federal Reserve Bank of Boston and Gerardi is a research economist and assistant policy adviser in the research department of the Federal Reserve Bank of Atlanta. Please note that the views presented in the study and on the podcast are those of the authors, not official statements by the Federal Reserve.

70 - Equity Stripping Led to Foreclosures, According to New California Study

A new study of more than 4,000 California foreclosures suggests that borrower behavior, such as equity stripping and multiple liens, is a principal culprit, even more than market forces. Prof. Michael LaCour-Little of California State University-Fullerton, discusses his findings in a podcast with ABI Executive Director Sam Gerdano.

For a summary of the study’s findings, please click here

To read the full study, “Follow the Money: A Close Look at Recent Southern California Foreclosures,” please click here.

69 - Dr. Robert Manning on the New Credit Card Law

The latest ABI podcast features a discussion between ABI Executive Director Samuel J. Gerdano and Dr. Robert Manning, the Director of the Center for Consumer Financial Services at Rochester Institute of Technology, author of Credit Card Nation and founder of the Responsible Debt Relief Institute. One of the leading experts on household debt, spending and the consumer lending industry, Manning discusses the some of the provisions of the Credit CARD Act signed into law last month by President Barack Obama.

68 - Scholars Rethink the Government’s Muscular Role in Chrysler’s Bankruptcy

The latest ABI podcast features a discussion between ABI Executive Director Samuel J. Gerdano and a panel of bankruptcy scholars examining the government’s role in Chrysler and what it suggests about the coming GM bankruptcy. Profs. Mark Roe of Harvard Law School, David Skeel of the University of Pennsylvania Law School and Todd Zywicki of the George Mason University School of Law give their thoughts on the manner in which the federal government has inserted itself into the chapter 11 process. The experts touch on such topics as whether the government has the power to pick the winners and losers among the stakeholders in bankruptcy cases, if the process engineered for Chrysler is a violation of the Code’s absolute priority rule and what the future effects are on lenders who now must weigh new potential risks of their investments.

67 - ABI Interview with Congresswoman Carolyn Maloney on the Credit Cardholders’ Bill of Rights

The latest ABI podcast features a discussion between ABI Executive Director Samuel J. Gerdano and Rep. Carolyn Maloney (D-N.Y.) about legislation that Maloney is sponsoring titled the “Credit Cardholders’ Bill of Rights Act.” H.R. 627 would prohibit issuers from raising rates on existing balances retroactively, require a 45-day notice of any rate increase and ban billing on balances for days not included in the last billing cycle as a result of a grace period. It is similar to rules promulgated by the Federal Reserve that will go into effect in July 2010, but contains some additional consumer protection. The bill passed the House of Representatives on April 30 by an overwhelming margin (357-70) and now moves on to the Senate for consideration. Maloney was elected to Congress in 1992 and has established a reputation as an advocate for consumer-protection issues, especially those to protect consumers from predatory credit card practices. Maloney sponsored a similar credit card protection bill that passed the House last year (312-112), but was not taken up in the Senate. During this interview, Maloney discusses H.R. 627 and its prospects for passage into law this year.

66 - Examining the Effects of the Economic Crisis on Higher Education

ABI Executive Director Samuel J. Gerdano talks with Dr. Karen Gross, the president of Southern Vermont College (Bennington, Vt.). A former bankruptcy law professor at New York University Law School, Gross is also the founder and former president of the Coalition for Consumer Bankruptcy Debtor Education. Providing her unique perspective on the impact of the economic crisis on higher education, Gross discusses the current recession, student debt and heightened accountability in higher education spending.

65 - Interview with NACBA’s President Carey Ebert

ABI Deputy Executive Director Felicia S. Turner talks with Carey Ebert, the current president of the National Association of Consumer Bankruptcy Attorneys (NACBA) and a partner with Ebert Law Offices, P.C. in Forth Worth, Texas. A consumer and small business bankruptcy practitioner for over 20 years, Carey discusses NACBA’s 2009 agenda as well as proposed changes to bankruptcy law being considered on Capitol Hill, including BAPCPA and current mortgage modification proposals.

64 - Did BAPCPA Cause the Foreclosure Crisis?

ABI Executive Director Samuel J. Gerdano talks with Dr. Donald Morgan, Research Officer at the Federal Reserve Bank of New York, about the latter’s research arguing that BAPCPA shifted risk from credit card lenders to mortgage lenders, partially helping to trigger the surge in home foreclosures. The conclusions of Morgan and his colleagues echo earlier findings that the new law’s tougher requirements appear to have increased the number of people defaulting on their mortgages or walking away from their homes rather than seeking bankruptcy protection.




assparadebigtitsroundassesmonstersofcockbangbusbigmouthfulsporno castingmilflessonsmrcameltoetugjobsballhoneysblowjobninjasboobsquadmomsanaladventuremilfsoupworkinglatinas new school snake tattoo dragon koi tattoo model for tattoo magazines north side tattoo monkey wrench tattoo stevens point tony soprano s tattoo norman tattoo angel tattoo gallery undertaker neck tattoo pong tattoo pet piercings possible ear piercings personals tattoo millenium tattoo in fort collins v twin engine tattoo mike williams tattoo yoshitomo nara tattoo tora tattoo waterloo custom tattoo machines phoenix rising tattoo syracuse x tremities tattoo monroe la tattoo year of the dragon tattoo cabbage rose tattoo millenium ink tattoo name tattoo curse comedian tattoo v tattoo machine maneki neko tattoo art studio cheap laser tattoo removal voodoo tattoo bay city michigan pete and pete tattoo name phoenix az tattoo mom s tattoo dunedin fl moonlight tattoo uk tattoo conventions 2008 missing ink tattoo arbuckle tattoo wagon wheel tattoo upper back tattoo art airbrush tattoo kits celtic armband tattoo utah tattoo wall tattoo ninja rua tattoo colourful tattoo designs adrian lee tattoo traditional ear piercings walk the line tattoo athens pacific tattoo designs mobius tattoo peyote tattoo canada tattoo magazine zine tattoo yvette detera tattoo numbing before a tattoo operating a tattoo gun writing tattoo ideas nicholas tse tattoo original universal tattoo studio voorbeeld tattoo alphabet tattoo flash voodoo tattoo parlor va tattoo convention perfect tattoo quiz urban tattoo pictures brent hinds face tattoo yanni tattoo nautical tattoo symbolism pic man tattoo 2 dogs tattoo phoenix az tattoo shops new tattoo do s and don ts milwaukee tattoo artists uri boyka tattoo xvx tattoo union station tattoo donate blood with tattoo pet tattoo ideas christchurch tattoo shops dog tattoo registry 3 sevens tattoo does tattoo removal leave scars ultimate warrior tattoo vanishing tattoo celebrity wrist tattoo words narellan tattoo shop women with the dragon tattoo mallorca tattoo uk tattoo artist of the year verdun tattoo cherry blossom tattoo pumpkin tattoo design christian tattoo parlors tony tattoo stockport anchor tattoo meaning wrist tattoo stories carey hart tattoo pics motor city tattoo expo 09 plant tattoo zulu tattoo studio dublin tupac piercings voodoo skull tattoo nova tattoo paraglider don macdonald tattoo onsen tattoo arabic tattoo wichita tattoo parlors asian sun tattoo zero kiryu tattoo ultrasonic tattoo yhwh tattoo wwe tattoo ink obama hand tattoo nm tattoo license ohio state face tattoo umut tattoo motor city tattoo expo detroit mi baxter tattoo ned kelly tattoo design piru tattoo cjay tattoo wicked tattoo sweden mordor tattoo arlington wa puff the dragon tattoo yankee tattoo schiedam ace custom tattoo wrist shooting star tattoo custom tattoo albuquerque nm pleasantville ny tattoo ny state tattoo laws tony s tried and true tattoo wrist tattoo for men motley crue new tattoo rapidshare uv tattoo nyc taking care of ear piercings writing tattoo sayings cam tattoo supply canada wally s american pie tattoo co blue buddha tattoo kent ohio wrist tattoo danger peacock tattoo sleeve cute tattoo ideas nautical star back tattoo mick hayes tattoo york pa tattoo shops bad bones tattoo outback joe s tattoo baby tattoo clothing place to put tattoo zoomorphic calligraphy tattoo orchid tattoo meaning pinz tattoo mitchel musso tattoo blood brothers tattoo shop wicked ink tattoo knoxville new york tattoo school dog tattoo flash most painful tattoo locations angel tattoo images black tattoo artist adorned tattoo all star tattoo venice prices on piercings web works tattoo naples fl zodiac tattoo nowra acid tattoo removal wrist tattoo names angel tattoo designs beckham vii tattoo brookland park tattoo yvonne tattoo new zealand tattoo parlours ny tattoo supply bad apple tattoo nampa tonbridge tattoo tipping tattoo artists black heart tattoo wi native american bird tattoo anvil tattoo wrecking ball tattoo fade system nick swardson tattoo places to put a tattoo name tattoo cover up wrist tattoo hurt neck sun tattoo wear tattoo dragon fx tattoo poiema tattoo uk tattoo parlors xkcd tattoo big brother tattoo anchor rose tattoo albatross tattoo yant tattoo designs tongue piercings care crime tattoo nautical star tattoo ideas yahoo tattoo double deuce tattoo pickering tattoo parlour ax26d tattoo tanning with piercings artistic tattoo design pierce tattoo ultimate tattoo guide bible yakuza tattoo studio vera tattoo dice tattoo pics xochipilli tattoo oriental tattoo designs zagreb gandalf tattoo snake bite piercings uk tattoo kits bangkok tattoo artists beesting tattoo body sticker tattoo awesome tattoo quotes poorly healing tattoo popular surface piercings pops tattoo silver spring blackwater tattoo omaha tattoo removal personal tattoo designer peoria il tattoo shops barracuda tattoo ottawa tattoo shops zimmerman tattoo zed tattoo phantasy tattoo san antonio zodiac cancer tattoo designs Eva Karera pretty young girl Aiden Starr Abbey Brooks slutty girls in Halloween costumes Tessa Taylor nice natural tits Lisa Lexington couple pussies Bait Bus hair woman fucking Cory Chase fat ass Charlotte Vale Bangbros sites Andy Sandimas Adrenalynn Brooke Lee Adams Alanna Ackerman Adriana Nevaeh XOXO BRANDI Breanne Benson Tara Lee Abby Skyy Esperanza Gomez Cock Suck And Cum Kelly Welch Alanah Rae Aimee Desade Tugjobs young mom Tasha Lynn Sophia Lynn Aarolyn Barra Adriana Faust Alana Leigh Big Mouthfuls booty bounce kind of homemade porn dildo up her ass Cum Splashing pocket pussy skinny guy