id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3444	Kehiaian, Scott E.; Williams, Albert A.; Bird, Carolyn L.	Financial, demographic, and psychological differences between chapter 13 bankruptcy filers and non-filers	2021	18	.pdf	application/pdf	11579	516	71	Non-filers do the following signifi- cantly more often than filers: pay their bills on time; avoid living paycheck-to-paycheck; review their credit more frequently per year; pay more than the minimum on their credit card; save money to prepare for home ownership; track their expenses before budgeting; review their total financial situation; use cash for all purchases; evaluate their insurance needs; understand the true cost of credit; and have more knowledge of the components that make up their credit score. Fisher (2019) finds that bankruptcy filers are middle income, more likely to be divorced, more likely to be Black, more likely to be veterans, less likely to be immigrants, and more likely to have only a high school degree or some college education. Characteristics of bankruptcy filers: Implications for educators.	cache/fsr-3444.pdf	txt/fsr-3444.txt