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After 1924, wage earner cases exceeded business cases in each year, and the gap widened as the rate of wage earner bankruptcy increased.
Lawyers found a lucrative business in bankruptcy and retailers found wage earner bankruptcy an increasingly common problem.
Creditors did not appear in court because there was nothing for them to gain by participating in wage earner cases.
Families below the federal poverty line, or receiving government assistance or with an unemployed principal wage earner, are classified as experiencing economic disadvantage.
In wage earner cases there were no assets for creditors to liquidate.
While the recommendations to add wage earner workouts and business reorganization were implemented, the recommendations to move toward officialism were not.
Wage earner cases were necessarily voluntary and by the mid 1920s represented the largest category of bankruptcy cases.
Several made the transition from wage earner to independent businessman while at the same time expanding their links with the urban poor through the construction of ties of patronage.
Whatever the other factors were, the one essential ingredient for the increase in wage earner bankruptcy was the easy discharge that the system of creditor control provided for wage earners.
The wage earner bankruptcy rate was less than 10 per 100,000 persons from 1899 to 1923, but reached 17 per 100,000 in 1928, and 21 per 100,000 in 1929.
They recommended that corporate reorganization, which had been carried out by means of equitable receivership, be incorporated into bankruptcy law and that wage earner amortization plans be incorporated as well.
Any increase in wages is taxed even further, and this adds to the scale of any taxes which the wage earner already has to pay.
A quarter of households in my constituency are without a wage earner.
The present situation, where one in five non-pensioner families have no wage earner in the household, cannot continue.
The minimum income guarantee means that families with one wage earner will be able to earn slightly more than £10,000 before they have to pay tax.
