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Publications

MY BOOKS

Credit Card Nation

The Consequences of America's Addiction to Credit

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Living With Debt

A look at the changing attitudes toward debt in America, and what you can do to be a smart borrower

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In Debt We Trust

America Before The Bubble Bursts

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The Blended Walmart Business Model

MoneyCenters, Banco Walmart de Mexico, and the Formidable Challenge Facing Credit Unions

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Articles

  • "Whither the Life-Cycle? Middle-Class Families Struggling With Financial Distress", Boston Review, September/October 2005: 17-18

Research Reports

2015

A FAILING GRADE FOR the POST-BAPCPA CREDIT COUNSELING AND BANKRUPTCY EDUCATION INDUSTRY? Persistent Conflicts of Interest, Rise of Outsourced Filipino Credit Counselors, and Questionable NonProfit Service Providers, with Anita C. Butera, Institute for Higher Education Law and Governance (IHELG), IHELG Monograph Series, University of Houston Law School, Houston, Texas.

 

2009


Using Shared-Equity Agreements to Reduce Foreclosures: Policy and Analysis


Keeping People in Their Homes: Policy Recommendations for the Foreclosure Crisis in Michigan (supported by the Michigan State Credit Union League)

2008

Responsible Debt Relief: An Algorithmic Assessment of Household Debt Capacity and Repayment Capability

Trends and Future Directions in Consumer Financial Services: A Colloquium at Rochester Institute of Technology -- RIT on TV News: Credit Crisis Analysis

2007

Rising Financial Anxiety and U.S. Consumer Sentiment: Determinants of the First Phase of the Consumer-Led Recession

2005

New article by Dr. Manning critiques industry financed study of college student credit card debt co-authored by Dr. Michael Staten and John Barron of the Credit Research Center, Washington, D.C.

 

1999

CREDIT CARDS ON CAMPUS:
Current Trends and Informational Deficiencies (31 pp.)

CREDIT CARDS ON CAMPUS:
Social Costs and Consequences of Student Debt (55 pp.)

CREDIT CARDS ON CAMPUS:
"Who Benefits From Soaring College Debt and What Are the Future Consequences to Higher Education"
(Forthcoming)

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