Zhenya Bourova

'It's easy to say "don't sign anything"': Debt problems among recent migrants from a non-English-speaking background

Evgenia Bourova, Ian Ramsay, Paul Ali

Journal article  |  2019  |  Alternative Law Journal

The Experience of Financial Hardship in Australia: Causes, Impacts and Coping Strategies

Evgenia Bourova, Ian Ramsay, Paul Ali

Journal article  |  2019  |  Journal of Consumer Policy

This article outlines the findings of Australia’s first large-scale study on the experiences of people who have recently been unab..

Limitations of Australia's Legal Hardship Protections for Women with Debt Problems Caused by Economic Abuse

Evgenia Bourova, Ian Ramsay, Paul Ali

Journal article  |  2019  |  UNSW Law Journal

Research on economic abuse has identified multiple ways in which perpetrators use debt to exercise power and control over women in..

Impacts of Financial Literacy and Confidence on the Severity of Financial Hardship in Australia

Evgenia Bourova, Malcolm Anderson, Ian Ramsay, Paul Ali

Journal article  |  2018  |  Australasian Accounting Business and Finance Journal

Consumers in Australia and other developed countries are increasingly required to interact with providers of complex financial pro..

Financial hardship assistance behind the scenes: Insights from financial counsellors

Paul Ali, Evgenia Bourova, Ian Ramsay

Journal article  |  2017  |  Australian Journal of Social Issues

Reporting on Hardship Practice in the Consumer Credit and Energy Sectors: An Analysis

E Bourova, I Ramsay, M Roberts

Journal article  |  2017  |  Competition and Consumer Law Journal

Reporting is a critical regulatory strategy used to provide insight into the level and quality of service providers’ compliance wi..

Australia's Financial Ombudsman Service: An Analysis of Its Role in the Resolution of Financial Hardship Disputes

Paul Ali, Evgenia Bourova, Joseph Horbec, Ian Ramsay

Journal article  |  2016  |  Conflict Resolution Quarterly

The Role of the Legal Hardship Protections in Coping with Debt Problems: Insights from a Survey of Consumers

P ALI, E Bourova, I Ramsay

Journal article  |  2016  |  Competition and Consumer Law Journal

The Statutory Right to Seek a Credit Contract Variation on the Grounds of Hardship: A History and Analysis

P ALI, E Bourova, I Ramsay

Journal article  |  2016  |  Federal Law Review

Responding to Consumers' Financial Hardship: An Evaluation of the Legal Frameworks and Company Policies

P Ali, E Bourova, I Ramsay

Journal article  |  2015  |  Competition and Consumer Law Journal