Lucinda O'Brien

University of Melbourne

Melbourne Postdoctoral Fellow

185 Pelham Street

Carlton, Victoria 3053

Australia

SCHOLARLY PAPERS

21

DOWNLOADS
Rank 23,513

SSRN RANKINGS

Top 23,513

in Total Papers Downloads

4,134

SSRN CITATIONS

4

CROSSREF CITATIONS

1

Scholarly Papers (21)

1.

Innovation, Disruption and Consumer Harm in the Buy Now Pay Later Industry: An Empirical Study

University of New South Wales Law Journal, Vol. 47, No. 2, 2024 (forthcoming)
Number of pages: 39 Posted: 30 Nov 2023
Lucinda O'Brien, Ian Ramsay and Paul Ali
University of Melbourne, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 407 (136,626)

Abstract:

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Buy-now-pay-later; consumer protection; consumer law; financial products, payday lending; pawnbroking

2.

A Quick Fix? Credit Repair in Australia

Australian Business Law Review, Vol. 43, No. 3, pp. 179-205, 2015
Number of pages: 27 Posted: 11 Jun 2015
Paul Ali, Lucinda O'Brien and Ian Ramsay
University of Melbourne - Law School, University of Melbourne and Melbourne Law School - University of Melbourne
Downloads 348 (162,663)

Abstract:

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3.

An Evaluation of Debt Agreements in Australia

Monash University Law Review, Vol. 44, No. 1, pp. 151-197, 2018
Number of pages: 47 Posted: 15 Sep 2017 Last Revised: 17 Dec 2018
Vivien Chen, Lucinda O'Brien and Ian Ramsay
Monash University - Department of Business Law & Taxation, University of Melbourne and Melbourne Law School - University of Melbourne
Downloads 339 (167,227)
Citation 1

Abstract:

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personal insolvency, debt agreement, bankruptcy

4.

The Role of Credit Cards, Payday Loans, Consumer Leases and Buy-Now-Pay-Later Products in Personal Insolvency

Insolvency Law Journal, Vol. 30, No. 3, 2022, pp. 160-170
Number of pages: 12 Posted: 02 Jan 2023
Lucinda O'Brien, Ian Ramsay and Paul Ali
University of Melbourne, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 327 (173,878)

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personal insolvency; bankruptcy; credit cards; payday loans; consumer leases; buy-now-pay-later products

5.

The Incidence and Causes of Personal Bankruptcy in Australia

JASSA - The Finsia Journal of Applied Finance, Issue No. 4, pp. 27-35, 2016
Number of pages: 11 Posted: 03 Apr 2017
University of Melbourne - Law School, Melbourne Law School, University of Melbourne and Melbourne Law School - University of Melbourne
Downloads 313 (182,002)

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Personal Bankruptcy; Consumer Spending; Indebtedness

6.

One-Stop Shop: Consumer Credit Issued at the Point of Sale

Journal of Banking and Finance Law and Practice, Vol. 32, No. 1, 2021, pp. 3-25
Number of pages: 34 Posted: 25 May 2021
Lucinda O'Brien, Ian Ramsay, Paul Ali and Mihika Upadhyaya
University of Melbourne, Melbourne Law School - University of Melbourne, University of Melbourne - Law School and Melbourne Law School, University of Melbourne
Downloads 231 (247,213)

Abstract:

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consumer credit; consumer protection; point of sale credit; responsible lending

7.

An Impending 'Avalanche': Debt Collection and Consumer Harm after COVID-19

Australian Business Law Review, Vol. 49, No. 2, 2021, pp. 84-115
Number of pages: 44 Posted: 07 Sep 2021
Lucinda O'Brien, Vivien Chen, Ian Ramsay and Paul Ali
University of Melbourne, Monash University - Department of Business Law & Taxation, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 221 (257,897)
Citation 1

Abstract:

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debt collection; consumer harm; financial hardship

8.

Bankruptcy, Social Security and Long Term Poverty: Results from a Survey of Financial Counsellors and Consumer Solicitors

Australian Business Law Review, Vol. 44, No. 2, pp. 144-151, 2016
Number of pages: 8 Posted: 04 May 2016
Paul Ali, Lucinda O'Brien and Ian Ramsay
University of Melbourne - Law School, University of Melbourne and Melbourne Law School - University of Melbourne
Downloads 191 (294,706)

Abstract:

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bankruptcy, financial counsellors

9.

Misfortune or Misdeed: An Empirical Study of Public Attitudes Towards Personal Bankruptcy

University of New South Wales Law Journal, Vol. 40, No. 3, pp. 1098-1129, 2017
Number of pages: 32 Posted: 17 Jul 2017 Last Revised: 03 Oct 2017
Paul Ali, Lucinda O'Brien and Ian Ramsay
University of Melbourne - Law School, University of Melbourne and Melbourne Law School - University of Melbourne
Downloads 189 (297,560)

Abstract:

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bankruptcy, personal insolvency, stigma

10.

The Hidden Dimension of Business Bankruptcy in Australia

Australian Business Law Review, Vol. 46, No. 5, pp. 291-306, 2018
Number of pages: 20 Posted: 29 Dec 2018
Lucinda O'Brien, Ian Ramsay and Paul Ali
University of Melbourne, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 178 (313,774)

Abstract:

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bankruptcy, personal insolvency, business bankruptcy, entrepreneurship

11.

Perspectives of Financial Counsellors and Consumer Solicitors on Personal Insolvency

Number of pages: 17 Posted: 15 Sep 2015
Paul Ali, Lucinda O'Brien and Ian Ramsay
University of Melbourne - Law School, University of Melbourne and Melbourne Law School - University of Melbourne
Downloads 175 (318,594)

Abstract:

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personal insolvency, bankruptcy, debt agreements, financial counsellors

12.

'Short a Few Quid': Bankruptcy Stigma in Contemporary Australia

University of New South Wales Law Journal, Vol. 38, No. 4, 1575-1613, 2015
Number of pages: 48 Posted: 08 Dec 2015
Paul Ali, Lucinda O'Brien and Ian Ramsay
University of Melbourne - Law School, University of Melbourne and Melbourne Law School - University of Melbourne
Downloads 174 (320,178)

Abstract:

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Bankruptcy, stigma

13.

Australia’s Product Intervention Power and Protection from Consumer Harm: An Evaluation

Competition and Consumer Law Journal, Vol. 29, No. 1, 2022, pp. 32-64
Number of pages: 35 Posted: 01 Aug 2022
Lucinda O'Brien, Ian Ramsay and Paul Ali
University of Melbourne, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 166 (333,497)

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Australian Securities and Investments Commission; consumer protection; financial products; product intervention power

14.

Bankruptcy and Debtor Rehabilitation: An Australian Empirical Study

Melbourne University Law Review, Vol. 40, No. 3, pp. 688-737, 2017, U of Melbourne Legal Studies Research Paper No. 754
Number of pages: 50 Posted: 22 May 2017
Paul Ali, Lucinda O'Brien and Ian Ramsay
University of Melbourne - Law School, University of Melbourne and Melbourne Law School - University of Melbourne
Downloads 152 (359,223)

Abstract:

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bankruptcy, financial hardship

15.

Financial Counselling and the Self-Represented Debtor in the Federal Circuit Court Bankruptcy List: An Analysis of a Recent Pilot Service

Insolvency Law Journal, Vol. 23, No. 4, 161-180, 2015
Number of pages: 20 Posted: 15 Feb 2016
Paul Ali, Lucinda O'Brien and Ian Ramsay
University of Melbourne - Law School, University of Melbourne and Melbourne Law School - University of Melbourne
Downloads 147 (369,038)
Citation 1

Abstract:

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bankruptcy, financial counselling

16.

Putting a Price on Peace of Mind: Funeral Insurance and Consumer Harm

University of Western Australia Law Review, Vol. 48, No. 2, 2021, pp. 641-689
Number of pages: 46 Posted: 27 Oct 2021
Lucinda O'Brien, Peng Guo, Ian Ramsay and Paul Ali
University of Melbourne, RMIT University - Graduate School of Business and Law, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 131 (404,081)

Abstract:

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funeral insurance; consumer harm; consumer protection

17.

Financial Hardship and Complaints-Handling in the Buy-Now Pay-Later Industry: A Recent Empirical Study

Australian Journal of Competition and Consumer Law, Vol. 31, No. 4, 2023, pp. 299-311
Number of pages: 23 Posted: 13 Feb 2024
Lucinda O'Brien, Daniel Beratis, Ian Ramsay and Paul Ali
University of Melbourne, University of Melbourne - Melbourne Law School, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 116 (442,794)

Abstract:

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Buy-Now Pay-Later; financial services; consumer protection; consumer law; financial products

18.

The Geography of Bankruptcy in Australia

American Bankruptcy Institute Law Review, Vol 28, No. 2, 2020, pp. 303-325, U of Melbourne Legal Studies Research Paper No. 935
Number of pages: 22 Posted: 21 Oct 2020 Last Revised: 03 Jun 2021
Lucinda O'Brien, Malcolm Edward Anderson and Ian Ramsay
University of Melbourne, Melbourne Law School and Melbourne Law School - University of Melbourne
Downloads 91 (523,589)

Abstract:

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bankruptcy; geography; financial hardship

19.

More to Lose: The Attributes of Involuntary Bankruptcy

Economic Papers, Vol. 38, No. 1, pp. 15-26, 2019
Number of pages: 15 Posted: 02 Apr 2019
University of Melbourne, Melbourne Law School, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 87 (538,495)

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involuntary bankruptcy; attributes of bankrupts; business bankruptcy; debtors

20.

Lending on the Edge: Pawnbroking in Australia

University of Queensland Law Journal, Vol. 43, No. 1, 2024
Number of pages: 41 Posted: 20 May 2024
Lucinda O'Brien, Ian Ramsay and Paul Ali
University of Melbourne, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 85 (546,269)

Abstract:

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consumer protection; pawnbroking; consumer credit

21.

The Distinctive Features of Women in the Australian Bankruptcy System: An Empirical Study

Australian Journal of Social Issues, Vol. 54, No. 2, pp. 173-190, 2019 , U of Melbourne Legal Studies Research Paper No. 850
Number of pages: 24 Posted: 03 Jul 2019 Last Revised: 22 Oct 2019
Lucinda O'Brien, Ian Ramsay and Paul Ali
University of Melbourne, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 66 (629,743)

Abstract:

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bankruptcy, dependants, empirical, gender, women