Rafael Efrat
California State University
Associate Professor, College of Business & Economics, California State University, Northridge. J.S.D., 2002, Stanford Law School; J.S.M., 1998, Stanford Law School;
J.D., 1992, University of Southern California Law Center. I am grateful to Joseph W. Berriman, Keith Hamasaki, and Laura C. Gardner for their dedicated assistance in this research project. I am particularly thankful to Professor Richard Gunther for assistance with the statistical analysis of the data. I owe special thanks for valuable comments I received on earlier drafts from Emeritus Professor William Whitford from the University of Wisconsin Law School, Professor Todd J. Zywicki from George Mason Univesity School of Law, as well as the participants at the Cegla
Center Conference on Personal Bankruptcy in the 21st Century, held at Tel Aviv University School of Law on June 5-8, 2005.
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