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Amanda Dawsey, Assistant Professor

Location: Liberal Arts 402
Hours: Tuesday 1-3 PM and Wednesday 2-4 PM

Phone: (406) 243-2926


Amanda Dawsey began working with credit card data while studying for her Ph.D. at the University of Maryland. She applied for a card in order to learn more about the application process, and despite the easy lending terms of the late 1990s, she was promptly denied. Despite this early rejection, Dr. Dawsey has persisted in her devotion to the study of credit markets, but she does occasionally take breaks to run or read scandinavian mystery novels. 


Ph.D., University of Maryland at College Park, 2001

Research Interests

I received my B.A. in Public Policy from Duke university and my Ph.D. in Economics from the University of Maryland (2001). Prior to joining the faculty at UMT, I was an Assistant Professor at the University of North Carolina at Greensboro. My research focuses on the strategic interactions between creditors and and borrowers, and how those interactions might change our understanding of credit markets. I am particularly interested in what factors can influence a borrower to choose 'informal bankruptcy': long-term delinquency without a formal bankruptcy filing. My research attempts to create a fuller picture of the impact of bankruptcy laws and other consumer credit-related policy instruments. 

Selected Publications

 Dawey, Amanda E,  Hynes, Richard M, and Ausubel, Lawrence M (2013), "Non-Judical Debt Collection and the Consumer's Choice among Repayment, Bankruptcy and Informal Bankruptcy", American Bankruptcy Law Journal 87: 1-26.

Field of Study

Law & Economics, Public Finance, Game Theory


Microeconomic Theory, Principles of Microeconomics, Public Finance, Game Theory, Industrial Organization