Nine years ago, Credit Slips announced its new Twitter feed. Credit Slips is now also on Mastondon, at @creditslips.mastodon.lawprofs.org. We'll put links to our posts on Mastodon as they are published, as well as boost Credit Slips authors. For now, we'll also continue adding posts to our Twitter feed. Come find us on Mastodon!
I have been an American Bankruptcy Institute member since June 1999, but I have finally made the difficult decision to allow my membership to lapse after 22 years at the end of next month.
I've been thinking about this for some time. Academic friends had been suggesting to me for years that they were uncomfortable with some of ABI's practices, and I was shocked when ABI sharply raised my membership dues for the first time in two decades a few years ago. I've been thinking since then about the value proposition of my membership, and I had begun to notice that I seemed to be getting very little value for my increased dues ... and then I received the first of several renewal notice emails.
When I reviewed the renewal webpage, I recalled my friends' concerns about ABI's objectionable practices as I saw what seemed to me to be a troublesome new practice. For years, I have simply renewed and paid electronically, with no "gotcha" commitments. This year, for the first time, I noticed that I had to select a box indicating that I agreed to have my membership auto-renewed and my credit card auto-charged for future dues. Perhaps it's irrational, but this really stuck in my craw. I envisioned one of those misleading commercials for leggings or bamboo socks that suck you into an auto-renewal scheme, and more importantly, I recalled the FTC's concerns about the abusive auto-renewal trend that seems to have popped up in recent years. States have begun to pass anti-auto-renewal laws to curb this abusive practice. I understand, of course, that auto-renewal is convenient and desirable for many people, and the checkbox on ABI's renewal page would be unobjectionable if it were optional. But forcing members to "agree"--again, for the first time ever--to auto-renew and auto-pay in the following years (or navigate back into the electronic membership labyrinth and manage to figure out how to cancel this auto-renewal in time to avoid it) is a shocking practice for an organization that purports to stand for (among other things) protecting consumers. Unseemly at the very least.
Today marks fifteen years of the Credit Slips blog. We started modestly on this date in 2006 while we were in the throes of doing all the tedious ground work for what would be the 2007 version of the Consumer Bankruptcy Project. After 15 years, I think I can reveal that I had originally proposed--and I am not making this up--a different name for the blog. Proof of the bona fides of that big reveal are to the right, which was the original mockup of the blog banner. Much, much wiser heads prevailed. The blog got a different name, and Credit Slips was launched. Many thanks to all of our bloggers over the years, both regulars and guests, but especially many thanks to our readers who have helped us create this little corner of the Internet that we will keep going as long as you'll have us.
On behalf of the other Credit Slips bloggers and myself, I would like to welcome Professor Chris Odinet as a guest blogger. Chris is a professor at the University of Iowa College of Law and is part of a new generation of scholars in the consumer finance space that our readers should know about. He already has an impressive list of scholarly publications and part of important conversations in consumer finance, especially fintech. Welcome, Chris, to Credit Slips.
There's a new bankruptcy blog around: the Best Interest Blog. Welcome to the blogosphere!
I'm delighted that the blog features a great post by my former student and research assistant Mitchell Mengden about the "J. Screwed" maneuver of stripping out collateral from the restricted group and then pledging it to other creditors. While the maneuver has been going on for a while, as Mitchell explains, it's interesting how infrequently underwriter's counsel has insisted on J. Crew provisions in bond indentures, although the use seems to be picking up in junk indentures.
Welcome to occasional guest blogger, David Lander, currently a professor of practice at Saint Louis University School of Law. In addition to his current and past academic postings, David has practiced consumer bankruptcy law with legal services organizations as well as business bankruptcy law at the Greensfelder Law Firm. Long-time readers will know that this mix of experience gives David a perspective that few others have. Welcome back, David!
The New York Times, the Associated Press, The Hill, and many other media outlets are reporting that former Credit Slips blogger Katie Porter has won her election for California's 45th Congressional District. Anyone who knows Katie's work knows that she will fight for middle-class households. As happy as I am for Katie and for the country, it is bittersweet to lose a great co-author and research collaborator.
We also have been remiss in not congratulating another former blogger, Senator Elizabeth Warren, on her reelection. It is hard to believe that this modest little blog now has two former bloggers in Congress.
Today is the twelfth anniversary of the Credit Slips launch date. I always like to mark the date because it is hard to believe that it has been that long. When we started, Barack Obama was a senator, and Elizabeth Warren was blogging (for us and others). The solar system had nine planets. Worldcom was the largest bankruptcy in U.S. history, and we were trying to parse the meaning of the not-always-clear bankruptcy amendments in 2005. OK, we are still trying to do the latter.
Happy birthday to us. Thanks for reading.
And, yes, that is a picture of Zachary Taylor.
Credit Slips is pleased to welcome back Professor Patricia McCoy as a guest blogger. Professor McCoy is the Liberty Mutual Insurance Professor of Law at Boston College Law School. She is a nationally known scholar, writing in the area of consumer financial regulation area. Professor McCoy worked at the Consumer Financial Protection Bureau during its earliest days, and I understand some of her guest posts will offer her perspective on the current state of the CFPB. We look forward to her contributions.
My thanks to the Slipsters, and particularly to Bob, Mark and Anna, for making me feel so welcome to your space already. I've long been a fan of the generous and supportive environment you have created and nurtured over the years. Serious and yet fun. I'm thrilled to be joining in and hope to live up to what you have already created.
Thanks also for the multiple emails sharing insights on the results of the SEC Gender Gap study already; especially from those of you who have worked in similar settings.
Regular readers of Credit Slips will know that Mark Weidemaier will often co-post with Professor Mitu Gulati of Duke University. These posts, often on sovereign debt issues, are among our most widely read and commented upon. We are very pleased to announced that Mitu is joining as a permanent blogger. When trying to figure out how to introduce Mitu to our readership, I looked at his faculty bio, which is too good not to share in its entirety:
Mitu Gulati is a professor at Duke University. His research interests are currently in the historic evolution of concepts of sovereign immunity and the role that law can play as a symbol. He has authored articles in the Journal of Legal Studies, the Review of Finance and Law and Social Inquiry. He has won no awards, other than a second place finish in the fancy dress competition in 3rd grade (photo not available).
Characteristically, Mitu's bio is unduly modest. He is a very accomplished and prolific scholar who is well known within the legal academy. It is our honor and pleasure to have him join this often merry band of bloggers. We hope you enjoy his contributions.
The Gilbert Index blog was kind enough to feature Credit Slips in a Q&A. For those of you who are interested in how Credit Slips came about, check it out.
The number eleven has a lot of significance in the bankruptcy world. The Bankruptcy Code is, of course, title 11 of the United States Code. There is chapter 11. And, within chapter 11, one can make the eleven-eleven election under section 1111 -- an election that is as difficult to explain in a bankruptcy classroom as it is to understand it.
The number eleven has new significance. Credit Slips launched on this date in 2006, making us eleven years old today. I hope that doesn't mean we have to repeat middle school.
It is with incredibly mixed feelings that I pass along to our readers that Professor Katie Porter is leaving our blog. Katie was one of the original bloggers on Credit Slips back in 2006. There were a number of us who were working together in an intensive data-collection phase of a research project, and a blog was a great way to have some intellectual interaction that was more than how to word a survey question. It worked and somehow the blog stayed around. Katie's posts are insightful, thought-provoking, and witty. We will miss her contributions.
If we have to lose one of our founding bloggers, it is at least for a very exciting reason. Katie is leaving Credit Slips is to focus her efforts on her recently announced candidacy for the U.S. House of Representatives in California's 45th Congressional District. Speaking for myself, I think Katie would be fantastic in Congress. She is whip-smart and a determined advocate for consumers. Former Credit Slips blogger Elizabeth Warren put it succinctly: "Katie is a fighter!" I wish Katie nothing but success in her campaign.
We also have made a change to the way we list our blog contributors. At one time, it made sense to distinguish between more frequent and less frequent contributors. Now, everyone is simply listed as a contributor. This change is long overdue, and I had been meaning to make it for a while. My day job seems to keep interfering with the many ideas I often have to improve the blog.
Credit Slips was fortunate to hear from Professor Gary Neustadter of Santa Clara Law this month on consumer credit issues.
He identified several emerging issues, including a serious weakness in California's homestead exemption. What I enjoyed so much about his post was his analysis of not just the law, but also the credit market and how various GSE policies shape it.
His post on the delivery of consumer bankruptcy services wove together the best of the thinking on the deployment of technology in legal services, and the context-specific research on how people in financial distress. He imagines how the work of Credit Slips occasional Dalie Jimenez on paper-based self-help resources could be delivered digitally. The result would push the edges of how we think about legal practice.
We hope to have Gary back soon and appreciate his contributions!
Credit Slips is honored to have been selected as part of the ABA Journal's Blawg 100, their annual list of the top 100 blogs about law and lawyering. It is our second year in a row for inclusion on the list.
We appreciate all of our readers and are humbled by the time you spend with us. The comments to the posts continually demonstrate that one of the things that makes this blog work is our readership. Thanks for visiting.
Credit Slips is delighted to welcome first-time guest blogger, Professor Gary Neustadter. A renowned innovative teacher, Professor Neustadter specializes in debtor-creditor law, contracts, consumer protection, and legal practice. His classic work, When Lawyer and Client Meet: Observations of Interviewing and Counseling Behavior in the Consumer Bankruptcy Law Office, is a must-read, particularly worth revisiting as the nature of legal practice changes in the last decade driven by BAPCPA and the technology.
His new article, Randomly Distributed Trial Court Justice: A Case Study and Siren from the Consumer Bankruptcy World, is one of the most exciting pieces of scholarship that I've had the pleasure of reading. Gary offers all those interested in civil justice and economic rights a rare window directly into the justice system. While the picture that he portrays is far from pretty, his article approaches the effect of great art: it challenges us to question our assumptions and our perspectives.
Welcome, Gary, to Credit Slips. We look forward to your insights.
Today is the tenth anniversary of the launch of Credit Slips. We started the blog in the middle of a big research project as an exercise in team building We also thought the blog might be a place where we could try to reach a wider audience about the scholarship coming out of the project. It is hard to believe we are still chugging along after 10 years.
A lot has happened in 10 years. When we started, blogging was relatively new and especially new for academics trying to reach outside the ivy-covered walls. There weren't no Twitter or Facebook, and Pokemon was passé. Looking back at that first post, four of the original seven bloggers are still with the blog. Things have moved on considerably for most all of the original bloggers. One of us got hired and tenured at one of this nation's leading law schools. A few of us have moved universities. One of us even became the senior United States senator from Massachusetts. Some of our newest bloggers are people we were mentoring as junior scholars or even students ten years ago. For myself over the past 10 years, I managed to move to a new faculty office down the hallway.
We have been talking about a few changes to the blog to keep current with the times, but the changes will not affect our topical focus. Our goal remains what it has been from the start, which is to reach outside the legal academy to have conversations with who care deeply about the policy issues surrounding credit, finance & bankruptcy. Thanks for being part of the conversation.
The ABA Journal has named Credit Slips to its annual Blawg 100. Thanks for the recognition! We really appreciate it. It is a list of great blogs, and we are honored to be included on it. And, thanks to our readers and commenters who help to make this little part of the Internet a great community.
Frequent readers of the blog will know that David Lander has guest blogged for us several times. When he was last with us, David left with four topics he wanted to discuss further. When David wrote and said he had the time to turn back to these topics, we were delighted to welcome him back. David combines extensive big law firm experience with a background in consumer and individual representations. These days, David is spending his time as an adjunct professor at St. Louis University. David always has thoughtful things to say about the state of our bankruptcy and consumer finance systems. Welcome back.
Today is the ninth anniversary of Credit Slips, which means we are now old enough for the fourth grade. Thanks for reading and for your support.
The year we started, 2006, seems so long ago. The W was in the White House, and we were "Mission Accomplished" in Iraq for three whole years at that point. We had just experienced the second sitting vice president to shoot another person while in office. And, it was a year the St. Louis Cardinals would win the World Series (so some things change not so much). CFPB was just a nascent idea that one of our co-bloggers was promoting.
I won't make any predictions about the next nine years lest I anger the Giant Robot Overlords who will be in charge by then.
Credit Slips blogger, Anna Gelpern, was on the Diane Rehm Show this morning discussing the financial problems in Puerto Rico and Greece. Gelpern of Georgetown University was joined by Greg Ip of the Wall Street Journal and Matthias Matthjis of Johns Hopkins. A link to the full audio program can be found here.
My best email of the day will be Professor Jay Westbrook's email saying he will join our mostly merry band of bloggers on a permanent basis. Westbrook has been guest blogging with us for a few weeks. Thanks to our great community of followers and your engagement with the issue we discuss, we have been able to persuade him to hang around. Westbrook is a legend in the field, and we are very proud to him as part of the Credit Slips team.
That is an amazing milestone. Thank you everyone for your interest in what we have to say here.
If you want to follow us on Twitter or subscribe to our Facebook page, there are buttons on the right-side of the screen. These outlets are simply other channels we use to get our content to those who want to receive it.
With my attention drawn to other matters, my personal blogging has been light for the past month. One of the things that had my attention was the Caulkett case currently pending before the Supreme Court. The issue in Caulkett is whether a wholly underwater second mortgage can be avoided in a chapter 7 bankruptcy. Without any value to reach, a wholly underwater second would not seem to be an allowed secured claim within the meaning of section 506.
Along with fellow Credit Slips blogger, John Pottow, and Professor Bruce Markell, I filed an amicus brief in Caulkett supporting the debtor. One of our points is that Long v. Bullard, which supposedly stands for the proposition that "liens ride through bankruptcy," involved other issues entirely. I'll try to expand on that point in another blog post. But, we were not alone in representing Credit Slips in the case. Blogger Adam Levitin filed his own superb amicus brief supporting the debtor that provides an in-depth look at the facts, evidence, and policy around second mortgages. All of the briefs in the case can be found at SCOTUSBlog.
It is with great pleasure that I welcome Professor Jay L. Westbrook of the University of Texas as a guest blogger for Credit Slips. To people in the bankruptcy community, Professor Westbrook needs no introduction. He is a leader in both international bankruptcy and empirical studies of bankruptcy. The phrase "see Sullivan, Warren & Westbrook" is often the cite for any fact we need to know about the bankruptcy system. There is nobody I know who does not think the world of him, both professionally and personally. We have hoped for many years that he would take a turn at Credit Slips, and we are glad the time has finally come.
Welcome to Credit Slips, Jay!
Ukraine's financial position is worsening, restructuring seems likely, and the big question is what to do about the $3 billion loan Victor Yanukovych saddled the country with before fleeing. Coverage of the loan here and here on Credit Slips, and bonus coverage on FT Alphaville (free registration required). Though a government-to-government loan in substance, the loan is disguised as an ordinary eurobond issue, with contract terms that give Russia extraordinary leverage. These include the right to accelerate early, trigger cross-default, and block or impede restructuring. That may be why recent reports suggest the plan is to pay Russia in full when the bonds mature in December 2015, though I can't imagine either Ukraine or its official lenders are thrilled at the prospect.
Perhaps there are other options. The academic literature on sovereign debt often discounts the relevance of law and legal institutions, although Mitu Gulati and I argue here that this may be a mistake. Ukraine's case may illustrate the point. The country's leverage - what little it has - depends in part on whether it can place meaningful legal barriers in the way of any effort to enforce the bonds. That would likely involve English law and courts (see par. 16, page 35 of the prospectus). Below the jump, I discuss two possibilities. The first is a proposal by Anna Gelpern described in detail in this paper (which also has good background on the loan) and this blog post. The second is a brief but tantalizing proposal by Joseph Blocher and Mitu Gulati in the final section of this paper. In short, Anna proposes legislation making the debt unenforceable in English courts. Joseph and Mitu suggest that Ukraine is entitled to compensation for Russia's annexation of Crimea and can use this claim as a set-off against the debt. Both proposals raise unique challenges and questions.
Continue reading "Legal Options for Ukraine's Russian Debt Problem" »
Credit Slips thanks Michelle Harner for guest blogging. She shared her own personal views about reforms for chapter 11. Although Harner was here in her personal capacity and speaking only for herself, her role as the reporter for the American Bankruptcy Institute's Commission to Study the Reform of Chapter 11 gives her a valuable and informed perspective on the issues. Thank you, Michelle.
We want to thank Professor Matthew Bruckner of Howard University for hanging out at Credit Slips for a while. We appreciate him sharing his thoughts on some of the finance issues facing legal education and issues surrounding student debt.
We are happy to welcome back Professor Michelle Harner of the University of Maryland and the reporter for the American Bankruptcy Institute's Commission to Study the Reform of Chapter 11. Harner has kindly offered to blog on her perspectives on the Commission's report. So she does not have to say -- anything she writes represents only her own views and not her views in her capacity as the reporter.
Today we welcome Matthew Bruckner as a guest blogger. Professor Bruckner teaches at Howard University School of law. I first became acquainted with him through his wonderful scholarship applying virtue theory to bankruptcy law. He teaches a variety of business and commercial law courses, including contracts and bankruptcy. Professor Bruckner has previously taught at St. John’s University School of Law and Cleveland-Marshall College of Law. His academic interests center on commercial bankruptcy issue and his most recent scholarship focuses on how to reduce the cost of professional representation in corporate bankruptcy cases.
Prior to law teaching, Professor Bruckner was an attorney practicing in the areas of bankruptcy, bank regulatory, M&A, and other general transactional matters with Allen & Overy, LLP. Professor Bruckner also undertook a number of pro bono engagements for the Public International Law and Policy Group, where he led a team working on comparative constitutional law issues. After leaving Allen & Overy, Professor Bruckner clerked for the Honorable Allen L. Gropper of the United States Bankruptcy Court for the Southern District of New York. In a prior life, he was a stagehand at the Metropolitan Opera House in New York City.
Welcome Matthew!
Our friend and co-blogger, Jean Braucher, passed away a week ago today. Our first post here on Credit Slips had only a few paragraphs about her contributions to our professional community. There was a lot more to say about Jean.
Since that time, a number of comments have made their way into my inbox or were posted on to that original post. The comments have come from practicing attorneys, academics, judges, and journalists and from all over the United States as well as Europe, Australia, and South America. If you sent me a longer comment, I hope I have done justice to it below in excerpting it, and my apologies if I mistakenly omitted some. Here is what people wrote about Jean.
Former Credit Slips blogger Elizabeth Warren who also happens to be the senior senator from Massachusetts was a category on Jeopardy! last night. H/T to the WSJ's Bankruptcy Beat, which has a more complete story on the topic including the questions that were asked. None of the questions related to Credit Slips probably because they would have been too easy. Please let me hold on to that illusion.
None of the contestants could correctly give the full name of the agency of which Senator Warren was interim director, "the CFPB for short." Although she was commonly referred to as the "interim director," the title I remember her holding is "assistant to the president and special advisor to the Secretary of the Treasury" (e.g., here and here). It's a trivial point -- which I suppose is the point of Jeopard! -- but was she ever formally the "interim director" of the CFPB?
I name names and point fingers in the Wall Street Journal. NML gets some blame for overplaying its hand, but the fault primarily lies with the federal courts for letting the case go forward. I understand the courts being angered by an unrepentant debtor thumbing its nose at them, but the federal courts should know better than to get into a pissing match with a foreign sovereign. Federal judges are possessed of awesome powers, but not that awesome. It's not at all clear to me how Judge Griesa's going to get this case out of the hole he dug, and the recent reporting on the case indicates that he doesn't have any idea either. "We're in the soup." Indeed.
Today marks the eighth anniversary of the launch of Credit Slips. That means we have been around long enough to get tenure at most universities. Now, if we only can get through the review letters.
One thing that I have learned from administering the blog is that its path is never linear. We have had a lot of comings and goings over the eight years, and I certainly can't predict what the next year will bring. Our goal will remain the same of trying to provide occasionally insightful commentary on topics in the credit, finance, and bankruptcy space that is of interest to opinion leaders in law, policy, and the media.
The comments on the blog continue to offer some of the best conversations on the Internet. The expertise and civility of the discussions prove that there are still places in this world where reasonable people can discuss different points of view without screaming at each other.
Thank you to our bloggers, commenters, and readers for continuing to give Credit Slips whatever little bit of success it has.
If you are a long-time reader of Credit Slips, first thank you. Second, you probably noticed we were off the air earlier in the week. Our blog hosting service, Typepad, was the victim of a criminal denial-of-service attack. According to TechCrunch, Typepad even received a ransom note offering to stop the attacks if payment was received. Although it was frustrating to be down for such an extended period, Typepad did a great job of keeping its customers informed about the situation, and I wish them the best as they recover from this attack.
When the attacks first began, there were some complaints that the captchas were not working. The captcha problem seem to have continued, although it seems to work for some and others. Still, I have turned off the captchas, and you should be able to comment without authenticating. If we get a flood of spam comments, I will probably turn the captchas back on.
Thank you fakecaptcha.com. You write that requiring acknowledgement would be lame, meaning the thanks you get is sincere.
On behalf of everyone at Credit Slips, I wanted to thank Professor Javier Arias of the Universidad Rey Juan Carlos and Professor Andrew Dawson of the University of Miami. It takes time out of a busy schedule to contribute to the Credit Slips community, and their contributions are well appreciated. Javier brought us up to date on the recent changes in the Spanish insolvency regime, and Drew offered his thoughts on some developments in chapter 15/transnational insolvency as well as on labor rights in chapter 11. Thank you again, both of you.
Credit Slips is pleased to welcome back Professor Susan Block-Lieb of Fordham University. A long-time "friend of the blog" -- as Stephen Colbert might put it -- Susan has blogged with us in the past with Professor Ted Janger. This time, we have Susan for a solo appearance. She will offer her insights on topics such as the CFPB and homeowner protection. Welcome back!
Harvard Law School's Bankruptcy Roundtable, a dialogue between academics and practitioners, is now in the blogosphere! The Roundtable has launched with a number of very substantive posts by Douglas Baird and Anthony Casey; Judge Sontchi; Thomas Jackson and David Skeel; Nelly Alemeida; and Marshal Huebner and Hilary Dengel. I know that we academics benefit a lot from discussions with practitioners. (I hope, but am not entirely sure, that the benefits are mutual...)
Highly recommended.
Credit Slips is please to welcome Professor Drew Dawson as a guest blogger. Drew is on the faculty at the University of Miami School of Law where he teaches the bankruptcy, commercial law, and the other sorts of course you would expect from someone at Credit Slips. He has published on collective bargaining agreements in bankruptcy and offshore bankruptcies. He is relatively newer voice in the academy, and we are happy to have him join us for a while.
Francisco Javier Arias Varona, Profesor Titular de Derecho Mercantil at the Universidad Rey Juan Carlos in Madrid, Spain, will be joining as a guest blogger for a few weeks. Long-time readers may remember Javier's last guest stint with us. Spain has recently taken steps to try to deal with some of its consumer insolvency problems. It might be more straight-forward to say Spain passed a bankruptcy law, but others might not label it a "bankruptcy law" for reasons Javier will elaborate. We look forward to his perspectives on these new developments as well as the current state of consumer indebtedness in Spain.
We are making a few changes in the author line-up here at Credit Slips. The blog has been running for seven and a half years. During that time, new voices have entered the academy, and we need to keep up!
Congratulations to Credits Slips's Stephen Lubben who has just published Corporate Finance with Wolters Kluwer in the Aspen Casebook Series. The book promises coverage of bankruptcy along with other, lesser areas of the law like M&A and corporate law generally.
The book doesn't appear to shy away from math, and good for Stephen. Lawyers in training need to hear that math is very much a part of legal practice, especially in business law. This book covers exactly the sort of stuff that students who want to practice in the 21st century should be thinking about.
Today is the seventh anniversary of the launch of Credit Slips. It just seemed important to note the date for the historical record. That is not bad for a blog that was started, more or less, on a lark to see if it was any fun to do. I had to use the 7-ball image this because next year an 8-ball would be cliched.
I am on a family vacation this week so I think I'll celebrate the day by playing golf. If you're in the vicinity, hard hats are recommended.
Seven-ball image courtesy of Shutterstock
Lois Lupica and Nancy Rapoport wrote me to say they had completed their series of posts on the American Bankruptcy Institute's National Bankruptcy Ethics Task Force. Alas.
And, now that I go to edit the web page to remove them from our list of Current Guests, I see that they never got added in the first place. I am sorry for that, Lois and Nancy. I'll talk to the guy in charge of those sorts of things. He and I have lots of interesting conversations.
On behalf of Credit Slips, thank you Lois and Nancy. Come back soon.
Thank you note image from Shutterstock.
Credit Slips is very pleased that Professor Lois Lupica and Dean Nancy Rapoport will be joining us for a few days. Both of these names are probably already well known to many of our readers. Lois is the Maine Law Foundation Professor of Law at the University of Maine and a past guest blogger on Credit Slips. In addition to being interim dean at UNLV -- and, as I am sure she would want me to emphasize, the soon-to-be ex-interim dean at UNLV -- Nancy is a limited professor of law, holding the Gordon & Silver, Ltd., professorship at UNLV. (Only I can make this joke because I used to have the same professorship.) Nancy also has her own blog where she writes about lots of different interesting things, raising a fair question about why it has taken us so long to have her as a guest blogger.
Lois and Nancy were co-reporters for the American Bankruptcy Institute's National Bankruptcy Ethics Task Force, which just issued its final report. We're very excited to have them join us for a few days and talk about this important project as well as other issues on which they have been working.
The many interesting comments left by our informed readership help make Credit Slips one of the best places on the Internet for informed discussion about debt and bankruptcy issues. The many spam comments make Credit Slips a less useful resource.
Continue reading "Comments, Spam, Loyal Readers, and False Positives" »
Credit Slips is pleased to have had the following persons join us as continuing blog authors in the past or as guest bloggers for a week. Their contributions have added new perspectives and ideas to this site, and we thank them for their participation.
PAST REGULAR CONTRIBUTORS
GUEST & OCCASIONAL CONTRIBUTORS
By "Liking" us on Facebook, you will receive excerpts of our posts in your Facebook news feed. (If you change your mind, you can undo it later.) Note that this is different than "Liking" our Facebook page, although a "Like" in either place will get you Credit Slips post on your Facebook news feed.
Pamela
Foohey
Anna
Gelpern
Mitu
Gulati
Melissa Jacoby
Dalié
Jiménez
Jason
Kilborn
Bob Lawless (blog admin)
Adam
Levitin
Stephen Lubben
Nathalie Martin
John
Pottow
Mark Weidemaier
Jay
Westbrook
Alan
White