Crisis and Bankruptcy: The Mediating Role of State Law, 1920–1932
研究发现大萧条初期个人破产并未激增，州工资扣押法的严格程度是决定债务人是否申请破产的关键因素，仅扣押容易的州破产率显著上升。
The onset of the Great Depression did not spark a surge in personal bankruptcy. For debtors in default, state garnishment law played a significant role in the decision to file for bankruptcy. Only states that made it easy to garnish a debtor's wages experienced significant increases in bankruptcy as a consequence of the Depression.