Carrying Debt to the Grave? The increasing indebtedness of the elderly.

Tuesday, August 8
Richcraft Hall, 2nd Floor Conference Rooms
Carleton University



Fenaba Addo, University of Wisconsin

Fenaba Addo is an Assistant Professor in the Department of Consumer Science at University of Wisconsin-Madison. Her research agenda lies at the intersection of family economics and social demography. Previous work has explored (1) the role of education loans and credit card debt on early union formation; (2) racial differences in marriage and marital histories on wealth accumulation; and (3) family structure on women’s health and young adult health and educational attainment. She is currently working on projects that examine the economic and health outcomes of bankruptcy for women and children, racial wealth differences in student loan repayment and unintended fertility, and cross-national differences of cohabitation and marriage on family well-being.

Calum Carmichael, School of Public Policy and Administration, Carleton University

Calum Carmichael is Director and Associate Professor at the School of Public Policy and Administration, Carleton University. His research interests cover a range of policy areas, including trade and monetary policy. Most recently, however, they have focused on ways in which governments do or could encourage and regulate the financial contributions that individuals make to charitable, non-profit, and political organizations.

Lynda Colley, Dementia Society of Ottawa and Renfrew County

Lynda Colley is a graduate of Western University Law School in London, Ontario. She practiced as a commercial litigation lawyer at Lerner’s, the Toronto litigation boutique, and subsequently at a national firm in Ottawa. She then joined the federal public service and worked in the area of bankruptcy and insolvency law policy. In a volunteer capacity, Lynda is the Chair of the Board of Directors of the local Dementia Society (formerly the Alzheimer’s Society of Ottawa and Renfrew County).

Patricia Drentea, University of Alabama at Birmingham

Patricia Drentea is an Associate Professor in the Department of Sociology at the University of Alabama at Birmingham, USA. Her work on debt and health, and debt and mental health, led the field in sociology in the early 2000s. She is currently examining consumption behaviors, debt and well-being. Her book, Aging Families: Work, Activity and Health will be coming out in fall 2017 with Rowman and Littlefield publishers.

Catarina Frade, University of Coimbra

Catarina Frade is a Professor of Law in the Faculty of Economics at the University of Coimbra in Portugal. Her research interests are in the area of consumer credit and over-indebtedness, as well as individual and corporate bankruptcy regimes. She is currently leading an EU-financed project on ways of improving corporate restructuring and insolvency proceedings.

Nadja Jungmann, Hogeschool Utrecht

Nadja Jungmann is a Professor in the Debt and Debt Collection research group at the University of Applied Sciences Utrecht. She shares her research group with Prof. Tamara Madern. Their research seeks to contribute to effective, efficient and professional working practices in debt assistance and debt collection. In recent years, she has conducted numerous studies for government ministries, municipal banks and organizations for debt counseling and social work.

Robert Lawless, University of Illinois

Robert Lawless is the Max L. Rowe Professor of Law and Co-Director of the Program on Law, Behavior & Social Science at the University of Illinois College of Law where he writes and teaches about bankruptcy, consumer credit, and business law. He is a co-author of Secured Transactions: A Systems Approach and Empirical Methods in Law. Professor Lawless is a regular contributor to the blog Credit Slips, a discussion on credit, finance, and bankruptcy. He is a member of the American Law Institute, the National Bankruptcy Conference, and the American College of Bankruptcy and currently serves as the reporter to the American Bankruptcy Institute’s Commission on Consumer Bankruptcy.

Luciane Lucas, University of Coimbra

Luciane Lucas dos Santos is a senior researcher at the Centre for Social Studies, University of Coimbra, integrating the Research Group on Democracy, Citizenship and Law (DECIDe) as well as the Research Group on Solidarity Economy (ECOSOL/CES). Nowadays, she is also Visiting Professor at the Federal University of the Southern Bahia, in Brazil. Her research interests are postcolonial and decolonial studies on consumption and Economics, Feminist Economics and Feminist Aesthetics.

Tamara Madern, Hogeschool Utrecht

Tamara Madern is a Professor at the University of Applied Sciences Utrecht. The main theme of her research is debt prevention. Her focus is healthy financial behavior and policy interventions to prevent debt. She had written several papers, with Nadja Jungmann, on the definition and competence needed for financially healthy behavior. In her research, she also focuses on the improvements needed in policies and interventions. Currently, she is beginning a randomized trial on an intervention designed to help people to improve their financial skills.

Amy Mix, Legal Counsel for the Elderly, an affiliate of AARP

Amy Mix is the supervising attorney for the Consumer Fraud and Financial Abuse Unit at Legal Counsel for the Elderly (LCE), a non-profit affiliate of AARP and the primary provider of free legal services and advocacy for older people in the District of Columbia. With the twin goals of protecting clients’ homes and their sources of income, LCE’s Consumer Unit represents homeowners in debt collection, mortgage and tax foreclosure, and real property fraud cases. The LCE Consumer Unit also represents older victims of financial exploitation and abuse.

Wanda Morris, CARP

Wanda Morris is the Vice-President of Advocacy for CARP (formerly the Canadian Association of Retired People). Since February of 2016, Wanda has been a key influencer and go-to commentator in national discussions on issues of importance to all Canadians.  During her tenure at the National Office, CARP has scored or been instrumental in several victories including a historic pan-Canadian agreement to expand CPP, Federal commitments for increased Homecare to the tune of $6 billion over 10 years, increased support of $1,000 a year for Canada’s poorest seniors, and reductions in energy and pharmaceutical prices for seniors in Ontario.

Stacy Yanchuk Oleksy, Credit Counselling Society

Stacy is the Director of Education and Community Awareness at the Credit Counselling Society. She has a Master’s degree in Family Ecology, is a professional Coach and a Certified Educator in Personal Finance. Stacy is a passionate and dynamic speaker and facilitator and has over 15 years of experience in program development, adult education and leadership.  She has developed personal finance curriculum for eLearning modules, workshops and webinars and co-wrote CCS’ Making Cent$ of Money workbook. Stacy serves on the Credit Counselling Canada Education Committee and has served on the Debt Advisory Committee for Consumer Protection BC, and the Advisory Committee for the Vancouver Rent Bank.

John Pottow, University of Michigan

John A. E. Pottow, the John Philip Dawson Collegiate Professor of Law, is an internationally recognized expert in the field of bankruptcy and commercial law. His award-winning scholarship concentrates on the issues involved in the regulation of cross-border insolvencies as well as consumer financial distress. On behalf of the United States, Professor Pottow serves as a delegate to the United Nations Commission on International Trade Law (UNCITRAL). He also has litigated bankruptcy cases before the U.S. Supreme Court, including his successful pro bono argument on behalf of the respondent in Executive Benefits Insurance Agency v. Arkison (2014).

Jane Rooney, Financial Consumer Agency of Canada

Jane Rooney was appointed Financial Literacy Leader in April 2014, to exercise leadership at the national level to strengthen the financial literacy of Canadians. As Canada’s Financial Literacy Leader, Ms. Rooney works to engage and collaborate with stakeholder groups from the public, private, and non-profit sectors across the country to coordinate efforts and strengthen the financial literacy of Canadians. Over her career, Ms. Rooney has worked 20-plus years in the financial sector. She holds a Bachelor of Arts degree in Economics from Carleton University.

Saul Schwartz, School of Public Policy and Administration, Carleton University

Saul Schwartz is a Professor in the School of Public Policy at Carleton University in Ottawa. Broadly speaking, his research involves the analysis of policies aimed at helping the poor. With Stephanie Ben-Ishai of the Osgoode Hall Law School, he has written several papers on policies intended to help the poor deal with personal debt. Another focus has been on student loan issues. Currently, he is (1) finishing work on a randomized trial of an intervention designed to help students repay their loans and (2) beginning a project (with Sandy Baum from the Urban Institute) on students harmed by the business models employed by for-profit vocational schools in the US.

Deborah Thorne, University of Idaho

Deborah Thorne is an Associate Professor of Sociology at University of Idaho and a principal investigator on the nationally recognized Consumer Bankruptcy Project. For the past two decades, economic inequality generally, and debt and consumer bankruptcy specifically, have been at the core of her research agenda. As such, she has authored articles and book chapters on a range of issues associated with debt and consumer bankruptcy such as stigma, reasons for elder debtors’ bankruptcy, medical debt and bankruptcy, effects of severe debt on couples’ relationships, financial health following bankruptcy, social mobility, gender, and financial education.

Laura Watts, Canadian Centre for Elder Law, University of British Columbia

Laura Tamblyn Watts is a lawyer who focuses on elder law issues. She is a Senior Fellow and Staff Lawyer at the Canadian Centre for Elder Law and its past long-time National Director. She is also the past Chair of the Canadian Bar Association’s National Elder Law section. She is a Board and founding member of the NICE network, a co-facilitator of the World Study Group on Elder Law, a member of the Ombudsman for Banking Services and Investments Board of Directors and former board member of FAIR Canada. Laura is a member of the Ontario Securities Commission Seniors Expert Advisory Committee, and a member of the Vulnerable Investors Taskforce of the Investment Funds Industry of Canada (IFIC). She teaches law and aging at the University of Toronto.