ERIC Number: ED081944
Record Type: Non-Journal
Publication Date: 1971-Jun
Reference Count: N/A
A Study of the Relationship of Overindebtedness and Garnishment to Employability Among Milwaukee WIN Families.
Youmans, Rita L.; Miller, Arlene
This study was designed to ascertain if removal of the threat of garnishment for back debts would increase the employability of WIN enrollees. The pre- and post-WIN debt records of 75 enrollees in Milwaukee WIN were examined intensively during 1969-70. One group of 25 who anticipated garnishment were given financial counseling and granted loans to consolidate back debts. The changes in debt and the stability in employment of this group of enrollees were compared with those of another 25 who anticipated garnishment and were not given assistance and with a third group who did not anticipate garnishment. Removal of the threat of garnishment did appear to increase the employment stability of the enrollees who were judged to be stable employees, while those who were less stable did not change in job stability by the removal of the threat of garnishment. Evidence derived points up unique individual inter-relationships between employment and debt and other factors that appear to affect stability. Sixty case studies are included. (NTIS)
Descriptors: Case Studies, Consumer Economics, Credit (Finance), Employment, Employment Problems, Financial Problems, Money Management, Personnel Evaluation, Welfare Recipients
National Technical Information Service, Springfield, Va. 22151 (PB-208 129, MF $1.45, HC $3.00)
Publication Type: N/A
Education Level: N/A
Sponsor: Manpower Administration (DOL), Washington, DC. Office of Research and Development.
Authoring Institution: Wisconsin Univ., Milwaukee. Center for Consumer Affairs.