Michelle J. White

Department of Economics
University of California, San Diego
La Jolla, CA 92093-0508
Tel: 858/534-2783
Fax: 858/534-7040

E-Mail: EmailAddress: hidden: you can email any NBER-related person as first underscore last at nber dot org
NBER Program Affiliations: LE
NBER Affiliation: Research Associate
Institutional Affiliation: University of California at San Diego

NBER Working Papers and Publications

March 2014Using Bankruptcy to Reduce Foreclosures: Does Strip-down of Mortgages Affect the Supply of Mortgage Credit?
with Wenli Li, Ishani Tewari: w19952

Published: Li, W., Tewari, I. & White, M.J. J Financ Serv Res (2017).

July 2011Corporate and Personal Bankruptcy Law

Published: Michelle J. White, 2011. "Corporate and Personal Bankruptcy Law," Annual Review of Law and Social Science, vol 7(1), pages 139-164.

April 2011Fiscal Zoning and Sales Taxes: Do Higher Sales Taxes Lead to More Retailing and Less Manufacturing?
with Daria Burnes, David Neumark: w16932

Burnes, Daria, David Neumark, and Michelle White, “Fiscal Zoning and Sales Taxes: Do Higher Sales Taxes Lead to More Retailing and Less Manufacturing,” forthcoming in National Tax Journal. citation courtesy of

May 2010Did Bankruptcy Reform Cause Mortgage Default to Rise?
with Wenli Li, Ning Zhu: w15968

Published: "Did Bankruptcy Reform Cause Mortgage Defaults to Rise?" with Wenli Li and Ning Zhu. NBER working paper 15968. Published in American Economic Journal: Economic Policy, 2011. citation courtesy of

November 2009Mortgage Default, Foreclosure, and Bankruptcy
with Wenli Li: w15472
December 2008Bankruptcy: Past Puzzles, Recent Reforms, and the Mortgage Crisis

Published: Michelle J. White, 2009. "Bankruptcy: Past Puzzles, Recent Reforms, and the Mortgage Crisis," American Law and Economics Review, Oxford University Press, vol. 11(1), pages 1-23.

July 2008Saving Your Home in Chapter 13 Bankruptcy
with Ning Zhu: w14179

Published: "Saving Your Home in Chapter 13 Bankruptcy," with Ning Zhu. NBER working paper 14179. Journal of Legal Studies, vol. 39:1, pp. 33-61, January 2010 citation courtesy of

July 2007Bankruptcy Reform and Credit Cards

Published: Michelle J. White, 2007. "Bankruptcy Reform and Credit Cards," Journal of Economic Perspectives, American Economic Association, vol. 21(4), pages 175-200, Fall.

August 2005Economic Analysis of Corporate and Personal Bankruptcy Law
February 2005Property Tax Limitations and Mobility: The Lock-in Effect of California's Proposition 13
with Nada Wasi: w11108

Published: Nada Wasi & Michelle J. White, 2005. "Property Tax Limitations and Mobility: Lock-in Effect of California's Proposition 13," Brookings-Wharton Papers on Urban Affairs, vol 2005(1), pages 59-97.

February 2004Asbestos and the Future of Mass Torts

Published: White, Michelle J. "Asbestos and the Future of Mass Torts." Journal of Economic Perspectives 18, 2 (Spring 2004): 183-204.

April 2003In-State versus Out-of State Students: The Divergence of Interest between Public Universities and State Governments
with Jeffrey A. Groen: w9603

Published: Groen, Jeffrey A. and Michelle J. White. "In-State Versus Out-of-State Students: The Divergence Of Interest Between Public Universities And State Governments," Journal of Public Economics, 2004, v88(9-10,Aug), 1793-1814.

December 2002Explaining the Flood of Asbestos Litigation: Consolidation, Bifurcation, and Bouquet Trials
November 2002Personal Bankruptcy and the Level of Entrepreneurial Activity
with Wei Fan: w9340

Published: Fan, Wei and Michelle J. White. "Personal Bankruptcy And The Level Of Entrepreneurial Activity," Journal of Law and Economics, 2003, v46(2,Oct), 545-567.

The "Arms Race" on American Roads: The Effect of Heavy Vehicles on Traffic Safety and the Failure of Liability Rules

Published: White, Michele J. "The 'Arms Race' On American Roads: The Effects Of Sport Utility Vehicles and Pickup Trucks On Traffic Safety," Journal of Law and Economics, 2004, v47(2,Oct), 333-355.

June 2002Bankruptcy and Small Firms' Access to Credit
with Jeremy Berkowitz: w9010

Published: Berkowitz, Jeremy and Michelle J. White. "Bankruptcy and Small Firms' Access to Credit." RAND Journal of Economics 35, 1 (Spring 2004): 69-84.

July 1996Personal Bankruptcy and Credit Supply and Demand
with Reint Gropp, John Karl Scholz: w5653

Published: Quarterly Journal of Economics (February 1997): 217-251. citation courtesy of

January 1994Housing and the Journey to Work in U.S. Cities
in Housing Markets in the United States and Japan, Yukio Noguchi and James M. Poterba, editors
September 1990Medical Malpractice: An Empirical Examination of the Litigation Process
with Henry S. Farber: w3428

Published: Rand Journal of Economics, Vol. 22, Summer 1991, pp. 199-217.

1986Property Taxes and Firm Location: Evidence from Proposition 13
in Studies in State and Local Public Finance, Harvey S. Rosen, editor
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