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notes








1


: https://www.gov.uk/government/statistics/individual-insolvencies-december-2025/commentary-individual-insolvency-statistics-december-2025.




2


: https://www.uscourts.gov/statistics-reports/analysis-reports/bankruptcy-abuse-prevention-and-consumer-protection-act-report.




3


,      ,   .




4


        ,   . ,            ( )    (103).




5


  sponging houses, ,      (sponge),       .        ,           .




6


34& 35, Henry VIII. Chapter 4, An act against such persons as do make bankrupts (1542).




7


4, Anna. Chapter 17 (1705).




8


 ,    ,  .        5      100  ,  .




9


The Statute of 5 George II. Chapter 30 (1732).


