I am the Allen Post Professor of Law at the University of Georgia. My research focuses on bankruptcy, commercial law, consumer finance and business law. I spend most of my time thinking about how people and the people within businesses think about their financial problems. In addition to the over forty articles, book chapters, and shorter works that I have authored or co-authored, I recently have been working on two books.

Debt’s Grip: Risk and Consumer Bankruptcy (co-authored with Robert M. Lawless & Deborah Thorne), University of California Press, will be available on August 5, 2025. It draws on data from the people who file bankruptcy to tell the story of financial struggle in the United States.

Forgive Us Our Debts: How Black Churches Use Bankruptcy to Survive, University of Chicago Press, will be available in fall 2026. It draws on data from over 1,000 churches that filed bankruptcy to reorganize to tell the story of how churches across the United States have productively leveraged bankruptcy to work with recalcitrant lenders to save their spiritual homes and keep their doors open.