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NCJ Number: NCJ 219769     Find in a Library
Title: Prebankruptcy Credit Counseling
  Document URL: PDF 
Author(s): Noreen Clancy ; Stephen J. Carroll
Corporate Author: Rand Corporation
United States of America
Date Published: 2007
Page Count: 36
  Annotation: This report presents findings from an examination of what constitutes effective prebankruptcy credit counseling and how it can be measured, so as to assist the U.S. Trustee Program (USTP) in its initial approval and periodic reapproval of credit counseling agencies under the Federal Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA).
Abstract: The report concludes that USTP's first step should be to identify the goals of prebankruptcy credit counseling. Other suggestions depend on these goals being defined. Even if these goals are defined, however, the report concludes that there are no common standards or accepted measures that can be adopted by USTP as a whole in assessing prebankruptcy credit counseling agencies; however, a few criteria may be adopted from some of the research studies reviewed. Although many of the approaches had similarities, each field approached the assessment of credit counseling effectiveness differently based on its specific goals. The report also concludes that there are no accepted views on the various models for delivering credit counseling. The effectiveness of the modes apparently varies according to the type of counseling being delivered and its purpose. Based on the aforementioned conclusions, the report recommends that USTP use a series of upcoming reviews and reports to help it inform the processes of developing operational measures of credit-counseling effectiveness to be used in approving or reapproving credit-counseling agencies. The report suggests that in evaluating agencies for reapproval, USTP should consider whether the agency is providing the services stated in its application, along with the methods used by the agency in measuring its own effectiveness. 29 references
Main Term(s): Criminology
Index Term(s): Financial management ; Consumer protection laws ; Federal legislation ; NIJ final report
Sponsoring Agency: National Institute of Justice (NIJ)
US Department of Justice
Office of Justice Programs
United States of America
Grant Number: 2005-ASP-013
Publication Number: ISBN -13: 978-0-8330-4205-7
Sale Source: National Institute of Justice/NCJRS
Box 6000
Rockville, MD 20849
United States of America

NCJRS Photocopy Services
Box 6000
Rockville, MD 20849-6000
United States of America
Type: Report (Study/Research)
Country: United States of America
Language: English
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