The low self-efficacy trap: why people with vulnerabilities experience prolonged periods with payment problems
Elaine Kempson,
Christian Poppe
Abstract:IntroductionSocieties place a responsibility on individuals to pay what they owe on time, establishing a coercive apparatus for debt collection and enforcement when they do not, coupled with consumer protection and debt resolution measures to protect the vulnerable.MethodsAn analysis of in-depth interviews with 28 people with both payment difficulties and vulnerabilities from ill-health, using Bandura's Social Cognitive Theory to explore the experiences of vulnerable defaulters as they try to exercise the pers… Show more
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