id	sid	eid	entity	type
fsr-3777	1	1	1	CARDINAL
fsr-3777	1	2	4(2	CARDINAL
fsr-3777	1	3	123	CARDINAL
fsr-3777	1	4	1995	DATE
fsr-3777	1	5	jai press inc	ORG
fsr-3777	1	6	1057-0810	DATE
fsr-3777	2	1	default a. charlene sullivan debra drecnik worden	PERSON
fsr-3777	6	1	i. introduction	PERSON
fsr-3777	6	2	two	CARDINAL
fsr-3777	7	1	first	ORDINAL
fsr-3777	7	2	third	ORDINAL
fsr-3777	8	1	about 18%	PERCENT
fsr-3777	8	2	1980	DATE
fsr-3777	8	3	35%	PERCENT
fsr-3777	8	4	1993	DATE
fsr-3777	9	1	about $250 billion to $770 billion	MONEY
fsr-3777	10	1	third	ORDINAL
fsr-3777	10	2	1970	DATE
fsr-3777	10	3	only 16%	PERCENT
fsr-3777	10	4	u.s.	GPE
fsr-3777	11	1	1989,54%	PERCENT
fsr-3777	11	2	at least one	CARDINAL
fsr-3777	12	1	1992	DATE
fsr-3777	13	1	third	ORDINAL
fsr-3777	13	2	1991	DATE
fsr-3777	13	3	1994	DATE
fsr-3777	14	1	1988	DATE
fsr-3777	15	1	a. charlene sulliian l purdue university	PERSON
fsr-3777	15	2	217	CARDINAL
fsr-3777	15	3	west lafayette	GPE
fsr-3777	15	4	47907	DATE
fsr-3777	16	1	debra drecnik worden	PERSON
fsr-3777	17	1	george fox college	ORG
fsr-3777	17	2	414	CARDINAL
fsr-3777	17	3	n. meridian street	ORG
fsr-3777	17	4	newberg	GPE
fsr-3777	17	5	97132	DATE
fsr-3777	18	1	4(2	CARDINAL
fsr-3777	18	2	1995	DATE
fsr-3777	19	1	between 1988 and 1993	DATE
fsr-3777	20	1	shaffer	PERSON
fsr-3777	20	2	1994	DATE
fsr-3777	21	1	second	ORDINAL
fsr-3777	21	2	about 200,000	CARDINAL
fsr-3777	21	3	1980	DATE
fsr-3777	21	4	1993	DATE
fsr-3777	23	1	november 1982	DATE
fsr-3777	23	2	1990	DATE
fsr-3777	23	3	1988	DATE
fsr-3777	23	4	canner & luckett	ORG
fsr-3777	23	5	1991	DATE
fsr-3777	25	1	one	CARDINAL
fsr-3777	25	2	the bankruptcy reform act of	LAW
fsr-3777	25	3	1978	DATE
fsr-3777	25	4	chapter 7 of the u.s.	LAW
fsr-3777	26	1	chapter 13	LAW
fsr-3777	27	1	the bankruptcy reform act of	LAW
fsr-3777	27	2	1994	DATE
fsr-3777	27	3	chapter 13	LAW
fsr-3777	28	1	luckett	PERSON
fsr-3777	28	2	199 1	CARDINAL
fsr-3777	28	3	1978	DATE
fsr-3777	28	4	renego	PERSON
fsr-3777	30	1	1982	DATE
fsr-3777	31	1	two	CARDINAL
fsr-3777	34	1	1992	DATE
fsr-3777	34	2	16	CARDINAL
fsr-3777	36	1	pozdena	PERSON
fsr-3777	36	2	1991	DATE
fsr-3777	36	3	17	CARDINAL
fsr-3777	40	1	third	ORDINAL
fsr-3777	50	1	a. creditor’s	PERSON
fsr-3777	53	1	chapter 7	LAW
fsr-3777	53	2	chapter 13	LAW
fsr-3777	53	3	u.s.	GPE
fsr-3777	61	1	c. bankruptcy-chapter 7	PERSON
fsr-3777	61	2	chapter 13	LAW
fsr-3777	62	1	126	CARDINAL
fsr-3777	62	2	4(2	CARDINAL
fsr-3777	62	3	1995	DATE
fsr-3777	64	1	1,000	MONEY
fsr-3777	64	2	60 days	DATE
fsr-3777	65	1	chapter 7	LAW
fsr-3777	66	1	five-year	DATE
fsr-3777	66	2	chapter 13	LAW
fsr-3777	68	1	more than half	CARDINAL
fsr-3777	68	2	35	CARDINAL
fsr-3777	68	3	u.s.	GPE
fsr-3777	70	1	chapter 13	LAW
fsr-3777	70	2	chapter 7	LAW
fsr-3777	71	1	chapter 7	LAW
fsr-3777	71	2	chapter 13	LAW
fsr-3777	72	1	more than 70%	PERCENT
fsr-3777	72	2	chapter 7	LAW
fsr-3777	73	1	chapter 7	LAW
fsr-3777	78	1	1978	DATE
fsr-3777	78	2	first	ORDINAL
fsr-3777	78	3	100,000	CARDINAL
fsr-3777	79	1	1963 through 1974	DATE
fsr-3777	82	1	peterson	PERSON
fsr-3777	82	2	aoki	PERSON
fsr-3777	82	3	1984	DATE
fsr-3777	82	4	shephard (	ORG
fsr-3777	82	5	1984	DATE
fsr-3777	82	6	127	CARDINAL
fsr-3777	82	7	the bankruptcy reform act of	LAW
fsr-3777	82	8	1978	DATE
fsr-3777	84	1	williamson	PERSON
fsr-3777	84	2	1987	DATE
fsr-3777	88	1	sullivan	PERSON
fsr-3777	88	2	worden	GPE
fsr-3777	88	3	1991	DATE
fsr-3777	88	4	between 1981 and 1988	DATE
fsr-3777	90	1	chapter 13	LAW
fsr-3777	97	1	pozdena	PERSON
fsr-3777	98	1	descriptive statistics a.	PERSON
fsr-3777	100	1	1990	DATE
fsr-3777	100	2	1991	DATE
fsr-3777	101	1	1990	DATE
fsr-3777	101	2	199 1	DATE
fsr-3777	102	1	one year	DATE
fsr-3777	102	2	up to one year	DATE
fsr-3777	103	1	128	CARDINAL
fsr-3777	103	2	4(2	CARDINAL
fsr-3777	103	3	1995	DATE
fsr-3777	105	1	3,094	CARDINAL
fsr-3777	106	1	vermont	GPE
fsr-3777	106	2	82%	PERCENT
fsr-3777	106	3	midwest	LOC
fsr-3777	106	4	13%	PERCENT
fsr-3777	107	1	5,112	CARDINAL
fsr-3777	107	2	65%	PERCENT
fsr-3777	107	3	midwest	LOC
fsr-3777	107	4	24%	PERCENT
fsr-3777	109	1	two	CARDINAL
fsr-3777	110	1	u.s.	GPE
fsr-3777	111	1	1990	DATE
fsr-3777	111	2	199 1	DATE
fsr-3777	113	1	1.9%	PERCENT
fsr-3777	113	2	1991	DATE
fsr-3777	113	3	1.4%	PERCENT
fsr-3777	115	1	67.6%	PERCENT
fsr-3777	116	1	about 9%	PERCENT
fsr-3777	117	1	61.4%	PERCENT
fsr-3777	117	2	199 1	CARDINAL
fsr-3777	117	3	32.4%	PERCENT
fsr-3777	117	4	chapter 7	LAW
fsr-3777	117	5	6.2%	PERCENT
fsr-3777	117	6	chapter 13	LAW
fsr-3777	121	1	about 40.6%	PERCENT
fsr-3777	121	2	1	CARDINAL
fsr-3777	122	1	about 36.3%	PERCENT
fsr-3777	124	1	about 23%	PERCENT
fsr-3777	125	1	1	CARDINAL
fsr-3777	125	2	129	CARDINAL
fsr-3777	125	3	1	CARDINAL
fsr-3777	125	4	1990	DATE
fsr-3777	125	5	3519	DATE
fsr-3777	125	6	5112	CARDINAL
fsr-3777	125	7	42.1%	PERCENT
fsr-3777	125	8	40.6%	PERCENT
fsr-3777	125	9	23.8 23.1	CARDINAL
fsr-3777	125	10	33.2	CARDINAL
fsr-3777	125	11	36.3	CARDINAL
fsr-3777	125	12	d.	NORP
fsr-3777	126	1	2	CARDINAL
fsr-3777	133	1	2	CARDINAL
fsr-3777	133	2	1991	DATE
fsr-3777	133	3	year-end 1991	DATE
fsr-3777	133	4	1.69%	PERCENT
fsr-3777	133	5	0.68 1.52	CARDINAL
fsr-3777	134	1	3.7 1.4%	PERCENT
fsr-3777	134	2	65.3%	PERCENT
fsr-3777	134	3	59.5 58.3 61.4%	PERCENT
fsr-3777	134	4	7 30.0%	PERCENT
fsr-3777	134	5	34.9 33.5 32.4%	PERCENT
fsr-3777	134	6	13 4.7%	PERCENT
fsr-3777	134	7	5.6 8.2	CARDINAL
fsr-3777	135	1	35.s	ORDINAL
fsr-3777	135	2	6.2%	PERCENT
fsr-3777	135	3	130	CARDINAL
fsr-3777	135	4	4(2	CARDINAL
fsr-3777	135	5	1995	DATE
fsr-3777	135	6	1991	DATE
fsr-3777	135	7	61.4%	PERCENT
fsr-3777	135	8	38.6%	PERCENT
fsr-3777	135	9	2	CARDINAL
fsr-3777	137	1	41.7%	PERCENT
fsr-3777	137	2	34.7%	PERCENT
fsr-3777	138	1	chapter 13	LAW
fsr-3777	142	1	sullivan	PERSON
fsr-3777	142	2	worden	GPE
fsr-3777	142	3	1991	DATE
fsr-3777	142	4	chapter 13	LAW
fsr-3777	145	1	the first six months of 1991	DATE
fsr-3777	145	2	3	CARDINAL
fsr-3777	147	1	between six and 11 months	DATE
fsr-3777	147	2	chapter 13	LAW
fsr-3777	150	1	chapter 7 bankruptcies	LAW
fsr-3777	150	2	93.6%	PERCENT
fsr-3777	150	3	88.04%	PERCENT
fsr-3777	150	4	chapter 13	LAW
fsr-3777	151	1	80.2%	PERCENT
fsr-3777	153	1	three	CARDINAL
fsr-3777	155	1	131	CARDINAL
fsr-3777	155	2	3	CARDINAL
fsr-3777	155	3	january-june 1991	DATE
fsr-3777	155	4	year-end 1991	DATE
fsr-3777	155	5	83.21%	PERCENT
fsr-3777	155	6	82.72%	PERCENT
fsr-3777	155	7	75.21%	PERCENT
fsr-3777	155	8	7.13* 80.20%	PERCENT
fsr-3777	155	9	1,691	CARDINAL
fsr-3777	155	10	7 91.29%	PERCENT
fsr-3777	155	11	91.73%	PERCENT
fsr-3777	155	12	91.16%	PERCENT
fsr-3777	156	1	5.v	CARDINAL
fsr-3777	156	2	93.60%	PERCENT
fsr-3777	156	3	846	CARDINAL
fsr-3777	156	4	13 88.44%	PERCENT
fsr-3777	156	5	71.95%	PERCENT
fsr-3777	156	6	87.34%	PERCENT
fsr-3777	156	7	1.23 88.04%	PERCENT
fsr-3777	156	8	152	CARDINAL
fsr-3777	156	9	87.7%	PERCENT
fsr-3777	156	10	85.6%	PERCENT
fsr-3777	156	11	81.5%	PERCENT
fsr-3777	156	12	2,695	CARDINAL
fsr-3777	156	13	95%	PERCENT
fsr-3777	158	1	section vi. c. credit card	LAW
fsr-3777	159	1	1990	DATE
fsr-3777	159	2	the year	DATE
fsr-3777	160	1	months	DATE
fsr-3777	160	2	the year	DATE
fsr-3777	160	3	daily	DATE
fsr-3777	160	4	the year	DATE
fsr-3777	162	1	4	CARDINAL
fsr-3777	163	1	4	CARDINAL
fsr-3777	163	2	3096	CARDINAL
fsr-3777	163	3	1990	DATE
fsr-3777	163	4	8.9%	PERCENT
fsr-3777	163	5	5 9 months	DATE
fsr-3777	163	6	0.1%	PERCENT
fsr-3777	163	7	9 months 3.9	DATE
fsr-3777	163	8	$3,000 0.5	MONEY
fsr-3777	164	1	53.4	CARDINAL
fsr-3777	164	2	71.8* percent	PERCENT
fsr-3777	164	3	1990	DATE
fsr-3777	164	4	575%	PERCENT
fsr-3777	164	5	75%	PERCENT
fsr-3777	164	6	0.2%	PERCENT
fsr-3777	164	7	14.6	CARDINAL
fsr-3777	164	8	339.4	CARDINAL
fsr-3777	164	9	1990	DATE
fsr-3777	164	10	0.9%	PERCENT
fsr-3777	164	11	4.5	CARDINAL
fsr-3777	165	1	33.0	CARDINAL
fsr-3777	165	2	132	CARDINAL
fsr-3777	165	3	4(2	CARDINAL
fsr-3777	165	4	199.5	CARDINAL
fsr-3777	165	5	5	CARDINAL
fsr-3777	166	1	0.062	CARDINAL
fsr-3777	166	2	0.0002	CARDINAL
fsr-3777	166	3	0.006* .ockjl	QUANTITY
fsr-3777	166	4	0.530	CARDINAL
fsr-3777	166	5	406	CARDINAL
fsr-3777	166	6	363 $2,187	MONEY
fsr-3777	166	7	61 months	DATE
fsr-3777	166	8	253	CARDINAL
fsr-3777	166	9	5,103	CARDINAL
fsr-3777	166	10	38.5%	PERCENT
fsr-3777	167	1	200.8	CARDINAL
fsr-3777	167	2	95%	PERCENT
fsr-3777	168	1	less than $1,000	MONEY
fsr-3777	169	1	more than nine months of the year	DATE
fsr-3777	170	1	more than 75%	PERCENT
fsr-3777	170	2	the year	DATE
fsr-3777	176	1	first	ORDINAL
fsr-3777	176	2	5	CARDINAL
fsr-3777	177	1	chapter 7 or	LAW
fsr-3777	177	2	chapter 13	LAW
fsr-3777	178	1	second	ORDINAL
fsr-3777	178	2	6	CARDINAL
fsr-3777	184	1	133	CARDINAL
fsr-3777	184	2	6	CARDINAL
fsr-3777	184	3	chapter 13	LAW
fsr-3777	184	4	chapter 7	LAW
fsr-3777	185	1	0.444	CARDINAL
fsr-3777	186	1	age 0.0005	DATE
fsr-3777	186	2	2,370	MONEY
fsr-3777	186	3	64 months	DATE
fsr-3777	186	4	323	CARDINAL
fsr-3777	186	5	1,967	CARDINAL
fsr-3777	186	6	16.0%	PERCENT
fsr-3777	186	7	chapter 13	LAW
fsr-3777	187	1	17.6	CARDINAL
fsr-3777	187	2	95%	PERCENT
fsr-3777	189	1	two	CARDINAL
fsr-3777	190	1	1	CARDINAL
fsr-3777	190	2	0	CARDINAL
fsr-3777	191	1	1	CARDINAL
fsr-3777	191	2	0	CARDINAL
fsr-3777	193	1	the year	DATE
fsr-3777	194	1	1	CARDINAL
fsr-3777	194	2	more than nine months in that year	DATE
fsr-3777	194	3	more than 75%	PERCENT
fsr-3777	195	1	0	CARDINAL
fsr-3777	199	1	e. outright default versus	PERSON
fsr-3777	200	1	5	CARDINAL
fsr-3777	202	1	most of	DATE
fsr-3777	202	2	the year	DATE
fsr-3777	205	1	134	CARDINAL
fsr-3777	205	2	4(2	CARDINAL
fsr-3777	205	3	1995	DATE
fsr-3777	206	1	5	CARDINAL
fsr-3777	210	1	f. chapter 7	PERSON
fsr-3777	210	2	chapter 13	LAW
fsr-3777	210	3	chapter 13	LAW
fsr-3777	210	4	chapter 7	LAW
fsr-3777	210	5	6	CARDINAL
fsr-3777	211	1	chapter 13	LAW
fsr-3777	214	1	chapter 13	LAW
fsr-3777	215	1	chapter 7	LAW
fsr-3777	215	2	chapter 13	LAW
fsr-3777	217	1	chapter 13	LAW
fsr-3777	217	2	vi	PERSON
fsr-3777	217	3	two	CARDINAL
fsr-3777	217	4	the last 15 years	DATE
fsr-3777	220	1	chapter 7	LAW
fsr-3777	222	1	135	CARDINAL
fsr-3777	222	2	chapter 7	LAW
fsr-3777	222	3	chapter 13	LAW
fsr-3777	224	1	pozdena	PERSON
fsr-3777	227	1	1	CARDINAL
fsr-3777	228	1	luckett	PERSON
fsr-3777	228	2	1988	DATE
fsr-3777	229	1	2	CARDINAL
fsr-3777	229	2	weekly	DATE
fsr-3777	229	3	1970	DATE
fsr-3777	229	4	75%	PERCENT
fsr-3777	229	5	30	CARDINAL
fsr-3777	229	6	hourly	TIME
fsr-3777	230	1	the late 1980s	DATE
fsr-3777	230	2	ia	GPE
fsr-3777	230	3	il	GPE
fsr-3777	230	4	ks	GPE
fsr-3777	230	5	la	GPE
fsr-3777	230	6	ma	GPE
fsr-3777	230	7	md	GPE
fsr-3777	230	8	mn	GPE
fsr-3777	230	9	mo	GPE
fsr-3777	230	10	nh	GPE
fsr-3777	230	11	nj	ORG
fsr-3777	230	12	ny	GPE
fsr-3777	230	13	ri	GPE
fsr-3777	230	14	vt	GPE
fsr-3777	230	15	wv	GPE
fsr-3777	230	16	wi	GPE
fsr-3777	231	1	fl	GPE
fsr-3777	231	2	nc	GPE
fsr-3777	231	3	sc	GPE
fsr-3777	231	4	tx	ORG
fsr-3777	232	1	3	CARDINAL
fsr-3777	232	2	the late 1980s	DATE
fsr-3777	232	3	al, ar, de	ORG
fsr-3777	232	4	ga	ORG
fsr-3777	232	5	ky	GPE
fsr-3777	232	6	md	GPE
fsr-3777	232	7	ne	GPE
fsr-3777	232	8	sc	GPE
fsr-3777	232	9	va	GPE
fsr-3777	232	10	4	CARDINAL
fsr-3777	233	1	only about 50%	PERCENT
fsr-3777	234	1	v.p.	GPE
fsr-3777	234	2	dauten	PERSON
fsr-3777	234	3	j.j.	GPE
fsr-3777	234	4	d.e.	GPE
fsr-3777	234	5	1978	DATE
fsr-3777	236	1	7(june	DATE
fsr-3777	236	2	371	CARDINAL
fsr-3777	237	1	ausebel	GPE
fsr-3777	237	2	l.m.	ORG
fsr-3777	237	3	199 1	CARDINAL
fsr-3777	238	1	american	NORP
fsr-3777	238	2	31	CARDINAL
fsr-3777	238	3	1	CARDINAL
fsr-3777	238	4	50-8 1	QUANTITY
fsr-3777	238	5	g.b.	PERSON
fsr-3777	238	6	8z	CARDINAL
fsr-3777	239	1	1992	DATE
fsr-3777	241	1	federal reserve bulletin	ORG
fsr-3777	241	2	652	CARDINAL
fsr-3777	241	3	g.b.	PERSON
fsr-3777	241	4	c.a.	GPE
fsr-3777	241	5	1991	DATE
fsr-3777	243	1	federal reserve bulletin	ORG
fsr-3777	243	2	77(4	CARDINAL
fsr-3777	243	3	2 18-229	CARDINAL
fsr-3777	245	1	1982	DATE
fsr-3777	247	1	west lafayette	GPE
fsr-3777	247	2	purdue university	ORG
fsr-3777	248	1	demowitz	ORG
fsr-3777	248	2	i.	PERSON
fsr-3777	248	3	1992	DATE
fsr-3777	249	1	chapter 7	LAW
fsr-3777	252	1	1994,	DATE
fsr-3777	252	2	april	DATE
fsr-3777	253	1	u.s.	GPE
fsr-3777	254	1	ggd-94-23	ORG
fsr-3777	255	1	washington	GPE
fsr-3777	255	2	dc	GPE
fsr-3777	255	3	gao	PERSON
fsr-3777	255	4	pozdena	PERSON
fsr-3777	255	5	r.j.	PERSON
fsr-3777	255	6	1991	DATE
fsr-3777	257	1	wall street journal	ORG
fsr-3777	257	2	december 26	DATE
fsr-3777	257	3	17	CARDINAL
fsr-3777	258	1	luckett	PERSON
fsr-3777	259	1	1988	DATE
fsr-3777	261	1	federal reserve bulletin	ORG
fsr-3777	261	2	591	CARDINAL
fsr-3777	262	1	136	CARDINAL
fsr-3777	262	2	4(2	CARDINAL
fsr-3777	262	3	1995	DATE
fsr-3777	262	4	peterson	PERSON
fsr-3777	262	5	r.l.	GPE
fsr-3777	262	6	k.	PERSON
fsr-3777	262	7	1984	DATE
fsr-3777	264	1	journal of economics	ORG
fsr-3777	264	2	36(february	CARDINAL
fsr-3777	264	3	95	CARDINAL
fsr-3777	265	1	shaffer	PERSON
fsr-3777	265	2	1994	DATE
fsr-3777	267	1	94	CARDINAL
fsr-3777	267	2	federal reserve bank	ORG
fsr-3777	267	3	philadelphia	GPE
fsr-3777	268	1	1984	DATE
fsr-3777	269	1	the bankruptcy reform act of	LAW
fsr-3777	269	2	1978	DATE
fsr-3777	270	1	journal of law and economics	ORG
fsr-3777	270	2	27(cktober	CARDINAL
fsr-3777	270	3	419	CARDINAL
fsr-3777	271	1	a.f.	GPE
fsr-3777	271	2	d.p.	GPE
fsr-3777	271	3	1987	DATE
fsr-3777	273	1	277	CARDINAL
fsr-3777	274	1	sullivan	PERSON
fsr-3777	274	2	a.c.	GPE
fsr-3777	274	3	d.d.	GPE
fsr-3777	274	4	1990	DATE
fsr-3777	276	1	consumeraffairs	ORG
fsr-3777	276	2	69	CARDINAL
fsr-3777	277	1	sullivan	PERSON
fsr-3777	277	2	a.c.	GPE
fsr-3777	277	3	d.d.	GPE
fsr-3777	277	4	1991	DATE
fsr-3777	279	1	purdue univer sity	ORG