The Two-Income Trap - Elizabeth Warren [134]
110 There was a glossy photograph of Senator Biden in the NOW Legal Defense annual report, which is sent to thousands of politically active women. No other politician rated a mention.
111 Pamela Barnett, “Sources Say Addition of Biden Increased Its Size,” Congressional Daily, June 23, 2001; Pamela Barnett, “Large Bankruptcy Conference Dismays Bill Supporters,” Congressional Daily, July 23, 2001.
112 During the 2002-2003 academic year, 714,000 women were awarded bachelor’s degrees. National Center for Education Statistics, Digest of Education Statistics , 2001, 37th ed. Compilation of Statistical Information, by Valerie White Plisko (Washington, DC, 2001), Table 247, Earned Degrees Conferred by Degree-Granting Institutions, by Level of Degree and Sex of Student, 1869-70 to 2010-11. Available at http://nces.ed.gov/pubs2002/digest2001/tables/dt247.asp [2/6/2003]. In an average month in 1999, 1.8 million children received day care subsidized by the federal Child Care and Development Block Grant/Child Care and Development Fund, the primary federal program for subsidized day care. U.S. Department of Health and Human Services, Administration for Children and Families, Child Care and Development Block Grant/Child Care and Development Fund, news release December 6, 2000. Table, Children Served in Fiscal Year 1999 (average monthly). Many of these children will be in the same program for several years. By comparison, in a two-year period, approximately 3.1 million children will go through their parents’ bankruptcies. Each year, approximately 1.5 million women in the United States are raped and/or physically assaulted by an intimate partner; about 375,000 of these women seek police protection. Patricia Tjaden and Nancy Thoennes, Extent, Nature, and Consequences of Intimate Partner Violence: Findings from the National Violence Against Women Survey (Washington, DC: U.S. Department of Justice, National Institute of Justice, July 2000). Available at http://ncjrs.org/txtfiles1/nij/ 181867.txt [2/19/2003]. Callie Marie Rennison, Rape and Sexual Assault: Reporting to Police and Medical Attention, 1992-2000, Selected Findings (Washington, DC: U.S. Department of Justice, Bureau of Justice Statistics, August 2002). Available at http://www.ojp.usdoj.gov/bjs/abstract/rsarp00.htm [2/19/2003].
113 Open letter to Congress (February 28, 2001). Signers include American Friends Service Committee, McAuley Institute, MidAmerica Leadership Foundation, Unitarian Universalist Association of Congregations, Unitarian Universalist Service Committee, Washington Ethical Action Office/American Ethical Union, Religious Action Center of Reform Judaism, and NETWORK, A National Catholic Social Justice Lobby.
Chapter 7
1 See calculation in chapter 4, notes 33-36.
2 Ernst & Young LLP, et al. Ernst & Young’s Financial Planning for Women: A Woman’s Guide to Money for All of Life’s Major Events (New York: John Wiley & Sons, 1999), p. 15.
3 Consumer Reports, “What Price Insurance?” July 1999. Available at http://www.consumerreports.org [3/22/03]. As we noted in chapter 6, a creditor has a right to collect against the estate, but surviving family members have no obligation to pay.
4 “Credit Protection,” CardTrakOnline, September 20, 2002. Available at http://www.cardweb.com/cardtrak/news/2002/september/30a.html [3/22/03].
5 A thoughtful overview with a lot of practical advice is James P. Caher and John M. Caher, Personal Bankruptcy for Dummies (New York: Wiley, 2003).
6 See discussion in chapter 4.
7 Court records showed reaffirmation for 24.5 percent of the families in Chapter 7. Families who have filed for Chapter 13, which account for 30 percent of all bankruptcy filings, have already committed their entire disposable incomes to debt repayment, making reaffirmation irrelevant for them.
8 See