The legal regulation of consumer credit has to be one of the most fascinating areas of commercial law.  Stephanie Ben-Ishai and Saul Schwartz’ recent empirical work in this area ought to be embraced: “Credit Counselling in Canada:  An Empirical Examination“.  The paper is terrific.  It starts with Margaret Atwood and ends with a plea for financial literacy.  The argument is that neither of the two main options for dealing with debt if easily accessible to low-income debtors.  The empirical component saw mystery calls to non-profit credit counselling agencies to see what kind of advice they offer individuals with credit pressures.  Spoiler alert:  the advice is not well aligned with the articulated purpose of the agencies.  Read this.