Consumer Debt and Bankruptcy

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Dr. Hira has led a multitude of classes and seminars about her research findings on personal bankruptcy and debt.

Dr. Hira is a highly sought-after consultant and commentator in the field of consumer bankruptcy. Her research includes consumer debt, student debt, gambling, gambling debt, chapter 7 and chapter 13 bankruptcy, consumer credit, financial counseling, and financial problems.

Through testimony and consultation, Dr. Hira has helped to shape public policy on bankruptcy in the United States and abroad. She has served as an expert witness for both the United States Senate Committee on Judiciary for revisions of consumer bankruptcy code and the United States Senate Banking Committee to discuss the need for money management education.

Honors and awards

2008–2010 Iowa Credit Union Board, appointed by Governor Chet Culver.
1998 Expert witness for the United States Senate Committee on Judiciary—revision of Consumer Bankruptcy Code, March 11, Washington, D.C.
1996 Distinguished Fellows Award, the Association for Financial Counseling and Planning Education (AFCPE).
1989 Certification of Recognition as a resource person for a one-week professional development training workshop by Consumer Corporate Affairs, Canada Office of the Superintendent of Bankruptcy.

Research grants

An international survey of causes and effects of consumer bankruptcy, Labor Saving Banks’ Association, Japan, $124,000

Investigating differences in bankruptcy circumstances and consequences for petitioners filing under Chapter 7 vs. Chapter 13, National Conference of Bankruptcy Judges (NCBJ) Endowment for Education, $55,177

Gambling and the bankruptcy connection, College of Family and Consumer Sciences, $6,630

The impact of gambling on relationships, College of Family and Consumer Sciences, $1,200

Analyzing economic stress on families from consumer credit, College of Family and Consumer Sciences, Grace Olson Endowment Fund, $2,700

Financial management practices of household money managers: A longitudinal study, Iowa Agriculture and Home Economics Experiment Station, $11,000

The correlates of financial problems among families in financial counseling, Iowa Agriculture and Home Economics Experiment Station, $30,000

International research conference on consumer bankruptcies, Julia F. Anderson International Fund and International Affairs Office, $2,066

Publications

Refereed journals

2006 Loibl, Cäzilia, Tahira K. Hira, and Michael Rupured. First-time vs. repeat filers: The likelihood of completing a Chapter 13 bankruptcy repayment plan. Financial Counseling and Planning 17(1):23–33.
2000 Hira, T. K., and K. W. Monson. A social learning perspective of gambling behavior among college students at Iowa State University, USA. Journal of Consumer Studies and Home Economics 24(1):1–8.
1999 Power, M. L., T. K. Hira, and R. P. Murphy. Personal bankruptcy, a risk management technique: Policy implications. Risk Management and Insurance Review 2(7):81–102.
1995 Hira, T. K., and K. Kostelecky. Methods of data collection from debtors in bankruptcy after discharge: A pilot study. Journal of the Family Economics and Resource Management Division of AAFCS, 1:101–7.
1992 Hira, T. K. Causes and effects of consumer bankruptcies: A cross-cultural comparison. Journal of Consumer Studies and Home Economics 16:229–43.
1992 Wasberg, C. K., T. K. Hira, and A. M. Fanslow. Credit card usage: Consumer debt burden of households. Journal of Consumer Studies Home Economics 16:19–32.
1990 Hira, T. K. Changes in factors influencing consumer debt in Scottish families 1984–1987. Journal of Consumer Studies and Home Economics 14:165–75.
1990 Danes, S. M., and T. K. Hira. Knowledge, beliefs, and practices in the use of credit cards. Home Economics Research Journal 18(3):223–35.
1987 Hira, T. K. Factors contributing to family financial problems. Institute of Home Economics, Scottish Branch, Queen’s College, Glasgow, Scotland.
1987 Hira, T. K., and O. Mugenda. Families’ perspective of the bankruptcy process. Family Perspectives 21(1):59–67.
1986 Hira, T. K. Impact of financial problems on family living and family financial management education. Hyogo University of Teacher Education, Japan.
1985 Ulrichson, M. A., and T. K. Hira. The impact of financial problems on family relations. Family Perspectives 19(3):177–88.
1983 Hira, T. K. Is Canadian bankruptcy law in accord with present economic situation? Canadian Home Economics Journal 33(4):206–8.
1982 Hira, T. K., and K. Leskiw. Importance of financial counseling for families in debt. American Home Economics Journal 4(2):28–30.
1982 Hira, T. K. Socioeconomic characteristics of families in bankruptcy. Canadian Home Economics Journal 32(1):26–34.
1980 Hira, T. K. Evaluation of small debtors program in Manitoba. Manitoba Law Journal 11(1):101–9.

Books and chapters in books

1993 Hira, T. K. Determinants of effects of bankruptcy and satisfaction with bankruptcy (a solution to credit problems): An international comparison. In R. von Schweitzer (Ed.), Cross-Cultural Approaches to Home Management (18: pp. 177–211). Campus Verlag, Frankfurt Main, Giessen, Germany: Reihe Stiftung der Private Haushalt.
1989 Hira, T. K. Causes and effects of consumer bankruptcies. In International Comparative Research Studies: Consumer Bankruptcies. Tokyo, Japan: Research Institute of Labor Banks.
1997 Hira, T. K. Application of financial counseling skills to work with delinquent clients. In T. Nishimura (Ed.), Credit Counseling (pp. 75–88). Tokyo, Japan: Oriental Economic Press.

Invited papers

1995 Hira, T. K., and K. Kostelecky. Pilot study of consumer debtors provides new insights: What influences debtors’ attitudes? American Bankruptcy Institute Journal 15(3):1, 30–1, 36–7.

Papers in refereed proceedings

2005 Hira, Tahira K., Cäzilia Loibl, and Michael Rupured. Debtor education and the ability to complete Chapter 13 repayment plans. Proceedings of the Academy of Financial Services Annual (CD proceedings). Chicago, Illinois, October 12.
1995 Hira, T. K., H. Noh, and M. Winter. Relationship between borrowing practices and financial difficulties among rural households. In C. Y, Kratzer (Ed.), Financial Empowerment: Financial Counseling and Planning Across the Life Cycle (pp. 21–31). National Pre-Conference of the Association for Financial Counseling and Planning Education, New Orleans, Louisiana.
1994 Hira, T. K., A. Swift, and K. L. Kostelecky. Development of a diagnostic instrument to identify family problems among financial counseling clients. In R. H. Lytton (Ed.), Public Policy and Economic Well-being: The Financial Counselor’s Role (pp. 312–24). Virginia Polytechnic Institute and State University, Blacksburg, Virginia.
1993 Dufresne, T. J., and T. K. Hira. Bankrupts’ decision-making and coping process: A relationship among pre-bankruptcy factors. In V. S. Fitzsimmons (Ed.), Challenges for Financial Counseling and Planning Professionals (pp. 160–71). University of Illinois, Urbana, Illinois.
1992 Hira, T. K. The rehabilitative aspect of consumer bankruptcy procedures. In D. Iams (Ed.), Mind and Money: The Quest for Financial Control and Stability (pp. 120–38). Association for Financial Counseling and Planning Education Annual Conference, University of Arizona, Tucson, Arizona.
1990 Hira, T. K. Causes and effects of consumer bankruptcies: An international comparison. In Robert Weagley (Ed.), Many Perspectives Coming Together (pp. 21–38). Association for Financial Counseling and Planning Education, University of Missouri, Columbia, Missouri.
1986 Dane, M. S., and T. K. Hira. Knowledge, attitudes, and practices in the use of credit. In American Council on Consumer Interest Proceedings (pp. 234–60). St. Louis, Missouri.
1983 Ulrichson, A., and T. K. Hira. The effect of exemption regulations on personal bankruptcies. In J. Burton (Ed.), Changes in Economic Policy—Implications for Family Well-Being (pp. 42–7). Annual Western Regional Family Economics and Home Management.

Non-refereed papers — proceedings and other

1997 Hira, T. K., K. Monson, and C. Ingram. Gambling: Impact on family and family finances. In D. Draper and C. Johnson (Eds.), Gambling and the Family Conference Proceedings. College of Family and Consumer Sciences, Iowa State University, Ames, Iowa.
1997 Hira, T. K., C. Ingram, and K. Monson. Gambling among college students—Their behaviors and beliefs. In D. Draper and C. Johnson (Eds.), Gambling and the Family Conference Proceedings. College of Family and Consumer Sciences, Iowa State University, Ames, Iowa.
1995 Hira, T. K. Credit counseling for insolvent debtor: Implications for debtors and creditors. In Credit Age. March 10–11, Japan Consumer Finance Association, Osaka, Japan.
1995 Hira, T. K. The credit problems of the US consumers and role of financial counseling. In Credit Age. March 4–9, Japan Consumer Finance Association, Osaka, Japan.
1995 Hira, T. K. The credit problems of the US consumers and role of financial counseling. In Credit Age. March 4–9, Japan Consumer Finance Association, Osaka, Japan.

Technical and research reports

1989 Hira, T. K. Evaluation of bankruptcy procedures and proposal for new directions. Prepared for the Deputy Superintendent of Bankruptcy, Consumer and Corporate Affairs Canada, Ottawa/Hull.
1989 Hira, T. K. Causes and effects of consumer bankruptcies—An international comparison: United States, Canada, Scotland, and Japan. Prepared for Rodo-Kinko Kyokai, Labor Bank Association, Tokyo, Japan.
1987 Hira, T. K. Analysis of debt structure of Scottish families: 1984–1987. Prepared for the Scottish Association of Citizens Advice Bureau, Edinburgh, Scotland, UK.
1979 Hira, T. K. A study of the small debtor program in Manitoba: 1973–1977. Prepared for Consumer and Corporate Affairs, Office of the Superintendent of Bankruptcy, Manitoba, Canada.

Other professional activities

Consulting

Citibank Recovery Unit — A move from debt collector to financial advisor

Japan Consumer Finance Association — Development of financial counseling centers and training of financial counselors, Tokyo and Osaka, Japan

University of Minnesota, Department of Family Services — Evaluation of curriculum to develop a focus on financial counseling, St. Paul, Minnesota

Credit Card Services — Understanding and communicating with the overextended card member to prevent delinquencies and bankruptcies

Citibank Credit Department — Understanding predictors of consumer delinquencies and consumer bankruptcies

Reviewer for research papers at regional and national conferences

Association for Financial Counseling and Planning Education’s annual conference (juried paper); Association for Financial Counseling and Planning Education’s annual conference (student paper awards).

Invited presentations to professional organizations/groups

International

2003 Hira, T. K. Impact of the proposed U.S. consumer bankruptcy legislation on credit counseling and financial education of the American consumer (keynote). Annual Conference of the Academy of Consumer Finance and Services, Sapporo, Japan, November.
2003 Hira, T. K. Challenges facing the debt counseling industry in America and global implications. Japan Consumer Finance Association (JCFA) Financial Counseling Workshop, Tokyo, Japan, October.
1999 Hira, T. K. The nature of a fresh start and the role of financial education in granting discharge to Chapter 7 debtors. INSOL International Conference of the Americas, Bermuda.
1997 Hira, T. K. Consumer credit culture: Implications for the 21st century. International Credit Association (ICA) District VI Conference, Omaha, Nebraska.
1994 Hira, T. K. Underlying causes of family financial problems and development of appropriate financial counseling techniques. Otago Budget Advisory Services district meeting, Dunedin, New Zealand.
1994 Hira, T. K. Consumer debt and consumer bankruptcy in the U.S.A.: The need for money management education and financial counseling. Association of Home Science Alumnae of New Zealand, Inc., Dunedin, New Zealand.
1992 Hira, T. K. International comparison of consumer bankruptcy and consumer debt (keynote). Annual meeting of National Conference of Bankruptcy Clerks (NCBC), Acapulco, Mexico.
1989 Hira, T. K. Analysis of debt structure among bankruptcies: An international comparison. The West-London University, London, England.
1989 Hira, T. K. Relationship between consumer bankruptcies and family poverty in Scotland. Citizens Advice Scotland Jubilee National Conference on Poverty, Glasgow, Scotland.
1989 Hira, T. K. Invited to be the resource leader in the professional development program for official receivers of the bankruptcy branch. Conducted by Superintendent of Bankruptcy, Consumer, and Corporate Affairs Canada, Halifax, Canada.
1987 Hira, T. K. Credit unions and their role in financial counseling in the United States. Annual meeting of North Edinburgh Credit Union, Edinburgh, Scotland.
1987 Hira, T. K. Consumer credit problems affecting U.S. families. Jubilee Centre for Family Research, Cambridge, England.
1986 Hira, T. K. Consumer bankruptcies in the U.S. and Canada: Causes and effects. Osaka Bar Association, Osaka, Japan.

National and regional presentations

2004 Hira, T. K. Consumer bankruptcy—Global comparisons (North America, Asia, and Europe). Eastern Family Economics and Resource Management Association (EFERMA) Regional Symposium on Consumer Bankruptcy, February.
1998 Hira, T. K. Bankruptcy and Gambling in Iowa: Is there a connection? Annual Conference for the National Coalition against Gambling Expansion, St. Louis, Missouri.
1994 Hira, T. K. Differences in bankruptcy circumstances and consequences for petitioners filing under Chapter 7 vs. Chapter 13. Annual seminar of National Association of Chapter 13 Trustees, Albuquerque, New Mexico.
1989 Hira, T. K. Determinants of consumer debt problems among Scottish families. Poster session presented at the Annual Conference of American Home Economics Association, Cincinnati, Ohio.
1989 Hira, T. K. Role of bankruptcy as a legal alternative for overextended debtors. Accent Financial Services, West Des Moines, Iowa.
1989 Hira, T. K. Impact of consumer bankruptcy on debtor’s family life: An international comparison. 19th Advance Procedures Bankruptcy Conference, Cedar Rapids, Iowa.
1989 Hira, T. K. Role of bankruptcy as a legal alternative for overextended debtors. Accent Financial Services, West Des Moines, Iowa.
1989 Hira, T. K. Impact of bankruptcies on families: An international comparison. Regional meeting of Family and Consumer Sciences Alumni Association, Focus on Research, Cedar Rapids, Iowa.
1988 Hira, T. K. Causes and effects of consumer bankruptcies. Iowa Credit Society, Des Moines, Iowa.
1988 Hira, T. K. Evaluation of consumer bankruptcy process: International comparisons. International Conference on Consumer Bankruptcy, Ames, Iowa.
1984 Hira, T. K. Research: How it helps understand financial concerns of families. Iowa State University Cooperative Extension Service Family Financial Counseling Workshop, Cedar Falls, Iowa.
1981 Hira, T. K. Financial problems and money management for church families. Iowa Clergy Economic Education 16th Annual Conference, Boone, Iowa.

Juried presentations at professional meetings — regional, national, or international

2006 Loibl, Cäzilia, and Tahira K. Hira. First-time vs. repeat filers: The likelihood of completing a Chapter 13 bankruptcy repayment plan (research paper). Eastern Family Economics and Resource Management Association (EFERMA) Conference, Knoxville, Tennessee.
2005 Hira, Tahira K., Cäzilia Loibl, and Michael Rupured. Debtor education and the ability to complete Chapter 13 plans (research paper). Academy of Financial Services Annual Meeting, New Orleans, Louisiana, October 8–9.
2001 Enders, L., T. K. Hira, B. Miller, and T. Carlson. A narrative: Financial counseling approach to gambling issues. Annual Conference of American Association of Marriage and Family Therapy, Denver, Colorado.
  Hira, T. K. The impact of gambling on interpersonal relationships. Gambling & Gaming: Winners & Losers? Conference, University of Omaha–Nebraska.
2000 Hira, T. K., M. Anderson, and K. Petersen. What do students know about their education debt and impact on life after graduation? American Association of Family and Consumer Sciences, Chicago, Illinois.
1999 Hira, T. K. The impact of gambling on household finances: Role of financial educators. American Association of Family and Consumer Sciences, Seattle, Washington.
1998 Enders, L., T. K. Hira, and B. Miller. The impact of gambling on interpersonal relationships. National Conference of American Association of Marriage and Family Therapy, Dallas, Texas.
1995 Hira, T. K., H. Noh, and M. Winter. Relationship between borrowing practices and financial difficulties among rural households. National Conference of Association of Financial Counseling and Planning Education (AFCPE), New Orleans, Louisiana.
1995 Hira, T. K., and K. L. Kostelecky. Methods of data collection from debtors in bankruptcy—Procedural concerns. Biennial Pre-conference of Family Resource Management, New Orleans, Louisiana.
1994 Hira, T. K., A. Swift, and K. L. Kostelecky. Development of a diagnostic instrument to understand the role of family problems among financial counseling clients. National Conference of the Association for Financial Counseling and Planning Education, Nashville, Tennessee.
1994 Strand, J. K., T. K. Hira, and B. R. Carter. Repeat consumer bankruptcies: A comparative analysis with one-time petitioners in the United States and Canada. Poster session presented at the National Conference of the Association for Financial Counseling and Planning Education, Nashville, Tennessee.
1993 Dufresne, T. J., and T. K. Hira. An application of the double ABCX Model of Family Adaptation to families who have experienced financial stress. National Conference of the Association for Financial Counseling and Planning Education, San Antonio, Texas.
1992 Hira, T. K., and S. Nagashima. Attitudes toward credit, lending, and borrowing practices affecting consumer bankruptcies: An international comparison. XXII International Federation of Home Economics (IFHE) Congress, Hanover, Germany.
1989 Hira, T. K. Changes in factors influencing consumer debt among Scottish families during 1984–1987. International Home Economics Research Conference, Middlesex Polytechnic Institute, Middlesex, England.
1989 Hira, T. K. Use of consumer debt and satisfaction with level of living among rural adults. Poster session presented at the pre-conference workshop on Family Economics/Home Management, Cincinnati, Ohio.
1984 Hira, T. K., and O. Mugenda. Evaluation of bankruptcy procedure in Iowa. Southeastern Regional Association for Family Economics/Home Management Conference, Blacksburg, Virginia.
1983 Hira, T. K. Evaluation of financial counseling/planning research publication sources. Financial Counseling Consortium, Brigham Young University, Provo, Utah.
1983 Hira, T. K., and A. Ulrichson. Impact of financial problems on family relationships. Annual meeting of American Home Economics Association, Milwaukee, Wisconsin.

Iowa presentations

1989 Hira, T. K., and C. Brinkman. The influence of socio-demographic characteristics and knowledge about loans on student debt. Annual Conference of Iowa Home Economics Association, Ames, Iowa.
1989 Hira, T. K. Factors causing debt problems among Scottish families. Annual Conference of Iowa Home Economics Association, Ames, Iowa.

 

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  • "Today many people feel loss of control over their money. Modern culture encourages overspending and irresponsibility."

    Tahira Hira — Wall Street Journal