Paul Ali – The Conversation

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August 4, 2022

How ‘bad credit’ lender Cigno has dodged ASIC’s grasp

Lucinda O'Brien, The University of Melbourne; Ian Ramsay, The University of Melbourne, and Paul Ali, The University of Melbourne

Payday lender Cigno has exposed the limitations of ASIC powers intended to protect consumers from harm.

Unemployment and underemployment, as well as physical and mental health problems, were the most common experiences of people falling behind on debts. Shutterstock

February 25, 2019

What 1,100 Australians told us about living with debt they can’t repay

Evgenia Bourova, The University of Melbourne; Ian Ramsay, The University of Melbourne, and Paul Ali, The University of Melbourne

Australia’s first large-scale study on the experiences of people in financial hardship contradict the idea most debt problems are due to poor choices.

More than 40% of older people declaring bankruptcy owe more than A$20,000. Fewer than 10% own their own homes. Shutterstock

January 23, 2019

Low income, no assets, large credit‑card debt: why more older Australians are declaring bankruptcy

Ian Ramsay, The University of Melbourne; Lev Bromberg, The University of Melbourne, and Paul Ali, The University of Melbourne

Research on bankrupts illustrates the contrasting financial fortunes of older Australians.

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