Bankruptcy During Foreclosure: Home Preservation Through Chapters 7 and 13

Filing for bankruptcy is the primary legal mechanism by which homeowners in foreclosure can exert control over ownership of their home, yet little is known about the interplay among bankruptcy types, mortgage servicers, state foreclosure laws, and home foreclosure auctions. We analyze 4,280 lower-income homeowners in the United States who were more than 90 days late paying their 30-year fixed-rate mortgages. Two dozen organizations serviced these mortgages and initiated foreclosure between 2003 and 2012. We identify wide variation between mortgage servicers in their likelihood of bringing a property to auction. We also show that when homeowners in foreclosure filed for bankruptcy, foreclosure auctions were 70% less likely. Chapters 7 and 13 filings both reduce the hazard of auction, but the effect is 5 times greater for Chapter 13, which contains enhanced tools to preserve homeownership. Bankruptcy's effects are strongest in states that permit power-of-sale foreclosure or withdraw homeowners' right-of-redemption at the time of auction.     

Codes in context: How states,markets, and civil society shape adherence to global labor standards

Transnational business regulation is increasingly implemented through private voluntary programs – such as certification regimes and codes of conduct – that diffuse global standards. However, little is known about the conditions under which companies adhere to these standards. We conduct one of the first large‐scale comparative studies to determine which international, domestic, civil society, and market institutions promote supply chain factories' adherence to the global labor standards embodied in codes of conduct imposed by multinational buyers. We find that suppliers are more likely to adhere when they are embedded in states that participate actively in the International Labour Organization treaty regime and that have stringent domestic labor law and high levels of press freedom. We further demonstrate that suppliers perform better when they serve buyers located in countries where consumers are wealthy and socially conscious. These findings suggest the importance of overlapping state, civil society, and market governance regimes to meaningful transnational regulation.     

The Role of Self-Control in College Student’s Perceived Risk and Fear of Online Victimization

College student use of the internet for online social networking purposes is increasing in popularity. Facebook is a social networking website used by college students, with estimates of over 7.5 million users spanning over 2,000 colleges and universities. Unfortunately, Facebook users can encounter some detrimental consequences, including fear of victimization. The purpose of the present study is to examine the correlates and structure of potential fear from using Facebook. Using self-report data from 224 college students at a southeastern university during the spring 2007 semester, we examine the link that low self-control has with perceived risk and with fear of online victimization among Facebook users. The results of the present study are discussed in the context of policy implications.     

Investigating the Reliability of the Violent Crime Linkage Analysis System (ViCLAS) Crime Report

The Violent Crime Linkage Analysis System (ViCLAS) is a computerized investigative aid, developed by the Royal Canadian Mounted Police, which is used to increase information sharing and enable crime linkages in serious crime investigations. The current study examines the reliability of the ViCLAS Crime Report by calculating the level of agreement among two samples of police officers who received one of two fictitious crime scenarios; homicide (n = 116) or sexual assault (n = 121). Results from this study show that the observed inter-rater reliability among police officers completing the ViCLAS booklet was 79.30% for the homicide scenario, and 87.70% for the sexual assault scenario. Implications of the results are discussed.     

Relationship Between Dissociative and Medically Unexplained Symptoms in Men and Women Reporting Childhood Sexual Abuse

The relationship between the dissociative and somatic symptoms in a clinical sample of 216 women and 35 men survivors of childhood sexual abuse (CSA) was examined. Symptom patterns were measured by the Dissociative Experiences Scale, the Somatization Scale of the Symptom Checklist 90-Revised (SCL-90-R), and the Hypochondriasis, Hysteria, Health Concerns, and Harris–Lingoes Somatic Complaints Scales of the Minnesota Multiphasic Personality Inventory-2. Somatization and dissociation were related, but not at a great enough magnitude to suggest that somatic symptoms as a generic category are an integral component of dissociation. With the exception of one of the measures of somatization, the SCL-90-R somatization scale, no significant differences were found between men and women CSA survivors in symptom levels. However, the relationship between somatization and dissociation was stronger in women than in men. The findings of this study should be considered preliminary and interpreted with considerable caution, since the scales used probably are of limited validity.     

Operationality in turbulence: the need for change

What are the implications for NGOs of the increasingly unpredictable environment in which they work? This article highlights lessons from the natural sciences and from private-sector management. If development is about the process of change, then we need a more refined analysis of what change is. Food crises and conflicts are about struggles over power and rights and are, therefore, but moments in continuing processes of change. Strategic intervention demands an understanding of such change if it is to trigger wider transformations. It also demands a different style of management and an increased degree of collaboration with other agencies.