Online First Journal of Money, Credit and Banking Online 15 Nov 2024Asset Exemption in Bankruptcy, Access to and Cost of CreditPasqualina Arca · Gianfranco Atzeni · Luca G. DeiddaResearch question and motivation: Under U.S. Chapter 7 bankruptcy, an individual entrepreneur has most unsecured debt discharged and only her non-exempt assets liquidated, producing an "insurance …