@article{926722,
      author = {Niemi-Kiesiläinen, Johanna. and Ramsay, Iain. and  Whitford, William C.,},
      url = {http://library.usi.edu/record/926722},
      title = {Consumer credit, debt and bankruptcy: comparative and  international perspectives /},
      publisher = {Hart Publishing,},
      recid = {926722},
      pages = {viii, 453 p. :},
      address = {Oxford ;},
      year = {2009},
}