Social and Psychological Dimensions of Personal Debt and the Debt Industry

Darrin Hodgetts, University of Waikato, New Zealand Shiloh Groot, University of Auckland, New Zealand Kerry Chamberlain, Massey University, New Zealand Emily Garden, Auckland City Mission, New Zealand Daniel G Cooper, Institute on Public Safety and Social Justice, Adler School, USA Bradley D Olson, National Louis University, USA Petra Rodik, University of Zagreb, Croatia Aïda Ballester, Universitat de Barcelona, Spain Moisés Carmona, Universitat de Barcelona, Spain Rubén David Fernández, Universitat de Barcelona, Spain Ana González, Universitat de Barcelona, Spain Johanna Jiménez, Universitat de Barcelona, Spain Elies Martínez, Universitat de Barcelona, Spain Irene Moulas, Universitat de Barcelona, Spain Laura Peret, Universitat de Barcelona, Spain Carolina Viano, Universitat de Barcelona, Spain Alexandre Papamichail, University of Bristol, UK Petros Mizamidi, Independent Scholar, Greece Mark Burton, Manchester Metropolitan University, UK Adriano Zamperini, University of Padua, Italy Marialuisa Menegatto, Verona University, Italy Salman Turken, University of Oslo, Norway Erik Carlquist, University of Oslo, Norway Henry Allen, University of East Anglia, UK Jacqui Akhurst, York St John University, UK Jacqui Lovell, York St John University Paul Hanna, University of Brighton, UK Liz Cunningham, University of Brighton, UK Carl Walker, University of Brighton, UK Ceylan Cizmeli, State University of NewYork at Oswego, USA Mert Demir, City University of New York, USA Dolores S. Miranda Gierbolini, University of Puerto Rico Ida de Jesús Collazo, University of Puerto Rico Douglas Marlon Arévalo Mira Bruce Curtis, University of Auckland, New Zealand Cate Curtis, University of Waikato, New Zealand

Introduction; Serdar M. Degirmencioglu and Carl Walker PART I: AUSTERITY, FINANCIALISATION AND SERIAL ASSET EXTRACTION: UNDERSTANDING INSTITUTIONALISED SUFFERING 1. Debt in the Everyday Lives of 100 Families Experiencing Urban Poverty in New Zealand; Darrin Hodgetts, Shiloh Groot, Kerry Chamberlain and Emily Garden 2. All Roads Lead to Finance: A Critical Overview of Debt in the U.S.; Daniel G Cooper and Bradley D Olson 3. The Impact of the 'Swiss Francs Loans' Crisis on Croatian Households; Petra Rodik 4. The Consequences of Evictions in Spain; Aida Ballester, Moises Carmona, Ruben David Fernandez, Ana Gonzalez, Johanna Jimenez, Elies Martinez, Irene Moulas, Laura Peret, and Carolina Viano 5. The Experiences of Individuals in Debt During an Era of Extreme Austerity in Greece; Alexandre Papamichail and Petros Mizamidis PART II: THE PUBLIC FACE OF THE DEBT INDUSTRY: DISCOURSE AND WELLBEING 6. Debt Dynamics in the UK and Beyond: How Propaganda Impedes Effective Political Action; Mark Burton 7. The Social Construction of 'Indebted Man': Economic Crisis, Discursive Violence and the Role of Mass Media in Italy; Adriano Zamperini and Marialuisa Menegatto 8. Chasing Happiness through Personal Debt: An Example of Neoliberal Influence in the Norwegian Society; Salman Turken, Erik Carlquist and Henry Allen 9. 'Financial Capability' Considered from a Community Psychology-informed Process in the North East of England; Jacqui Akhurst and Jacqui Lovell 10. The Indebted Individual: Dominant Discourses and Alternative Understandings of Personal Debt in the UK; Paul Hanna, Liz Cunningham and Carl Walker PART III: POLITICAL HISTORIES OF PERSONAL DEBT: MANAGED DECLINE, THE DEBT INDUSTRY AND WELLBEING 11. Peer-to-Peer Lending As a New Profit Industry and Debt Trap; Ceylan Cizmeli and Mert Demir 12. Rethinking the Personal Debt Industry: Voices from Puerto Rico; Dolores S. Miranda Gierbolini and Ida de Jesus Collazo 13. Personal Debt in a Third World Latin American society; Douglas Marlon Arevalo Mira 14. The Personal Debt Industry: Racist debt practices and Pasifika peoples in New Zealand; Bruce Curtis and Cate Curtis Conclusion