{"id":"https://openalex.org/W1980438199","doi":"https://doi.org/10.1111/j.1740-1461.2007.00102.x","title":"Changing Fortunes: Results from a Randomized Trial of the Offer of Debt Advice in England and Wales","display_name":"Changing Fortunes: Results from a Randomized Trial of the Offer of Debt Advice in England and Wales","publication_year":2007,"publication_date":"2007-09-11","ids":{"openalex":"https://openalex.org/W1980438199","doi":"https://doi.org/10.1111/j.1740-1461.2007.00102.x","mag":"1980438199"},"language":"en","primary_location":{"id":"doi:10.1111/j.1740-1461.2007.00102.x","doi":"https://doi.org/10.1111/j.1740-1461.2007.00102.x","is_oa":false,"landing_page_url":"https://doi.org/10.1111/j.1740-1461.2007.00102.x","pdf_url":null,"source":{"id":"https://openalex.org/S124682778","display_name":"Journal of Empirical Legal Studies","issn_l":"1740-1453","issn":["1740-1453","1740-1461"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","jufo-1","norway-1","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Empirical Legal Studies","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.2139/ssrn.912475","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5084260465","display_name":"Pascoe T. Pleasence","orcid":"https://orcid.org/0000-0001-5153-5898","observed_orcids":["https://orcid.org/0000-0001-5153-5898"]},"institutions":[{"id":"https://openalex.org/I45129253","display_name":"University College London","ror":"https://ror.org/02jx3x895","country_code":"GB","type":"education","lineage":["https://openalex.org/I124357947","https://openalex.org/I45129253"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"Pascoe Pleasence","raw_affiliation_strings":["Legal Services Research Centre, Legal Services Commission, London, and University College London"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Legal Services Research Centre, Legal Services Commission, London, and University College London","institution_ids":["https://openalex.org/I45129253"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5108486033","display_name":"Nigel J. Balmer","orcid":"https://orcid.org/0000-0002-3864-7948","observed_orcids":["https://orcid.org/0000-0002-3864-7948"]},"institutions":[{"id":"https://openalex.org/I45129253","display_name":"University College London","ror":"https://ror.org/02jx3x895","country_code":"GB","type":"education","lineage":["https://openalex.org/I124357947","https://openalex.org/I45129253"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"Nigel J. Balmer","raw_affiliation_strings":["Legal Services Research Centre, Legal Services Commission, London, and University College London"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Legal Services Research Centre, Legal Services Commission, London, and University College London","institution_ids":["https://openalex.org/I45129253"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5084260465","https://openalex.org/A5108486033"],"corresponding_institution_ids":["https://openalex.org/I45129253"],"apc_list":{"value":3350,"currency":"USD","value_usd":3350},"apc_paid":null,"fwci":2.7069,"has_fulltext":false,"cited_by_count":41,"citation_normalized_percentile":{"value":0.91379725,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":97},"biblio":{"volume":"4","issue":"3","first_page":"651","last_page":"673"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.8378999829292297,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.8378999829292297,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.053700000047683716,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12755","display_name":"Legal Education and Practice Innovations","score":0.022700000554323196,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/debt-advice","display_name":"debt advice","score":0.9860000014305115},{"id":"https://openalex.org/keywords/debt-problems","display_name":"debt problems","score":0.7620000243186951},{"id":"https://openalex.org/keywords/debt-resolution","display_name":"debt resolution","score":0.4390000104904175},{"id":"https://openalex.org/keywords/welfare-offices","display_name":"welfare offices","score":0.4880000054836273},{"id":"https://openalex.org/keywords/jobcentres","display_name":"jobcentres","score":0.8199999928474426},{"id":"https://openalex.org/keywords/financial-hardship","display_name":"financial hardship","score":0.47200000286102295},{"id":"https://openalex.org/keywords/financial-knowledge","display_name":"financial knowledge","score":0.5460000038146973},{"id":"https://openalex.org/keywords/disadvantaged-communities","display_name":"disadvantaged communities","score":0.7739999890327454}],"concepts":[{"id":"https://openalex.org/C2780623907","wikidata":"https://www.wikidata.org/wiki/Q106394435","display_name":"Disadvantaged","level":2,"score":0.8269224166870117},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.7371749877929688},{"id":"https://openalex.org/C168563851","wikidata":"https://www.wikidata.org/wiki/Q1436668","display_name":"Randomized controlled trial","level":2,"score":0.5681869983673096},{"id":"https://openalex.org/C100243477","wikidata":"https://www.wikidata.org/wiki/Q12002092","display_name":"Welfare","level":2,"score":0.5559682846069336},{"id":"https://openalex.org/C198082294","wikidata":"https://www.wikidata.org/wiki/Q3399648","display_name":"Position (finance)","level":2,"score":0.5374186038970947},{"id":"https://openalex.org/C2780665704","wikidata":"https://www.wikidata.org/wiki/Q959298","display_name":"Intervention (counseling)","level":2,"score":0.5367618203163147},{"id":"https://openalex.org/C2775924081","wikidata":"https://www.wikidata.org/wiki/Q55608371","display_name":"Control (management)","level":2,"score":0.48701339960098267},{"id":"https://openalex.org/C2779955035","wikidata":"https://www.wikidata.org/wiki/Q4686785","display_name":"Advice (programming)","level":2,"score":0.42303967475891113},{"id":"https://openalex.org/C100480397","wikidata":"https://www.wikidata.org/wiki/Q7836899","display_name":"Treatment and control groups","level":2,"score":0.4144717752933502},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.3871564269065857},{"id":"https://openalex.org/C4249254","wikidata":"https://www.wikidata.org/wiki/Q3044431","display_name":"Demographic economics","level":1,"score":0.33304107189178467},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.26986590027809143},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.258492648601532},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.25778496265411377},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.15320751070976257},{"id":"https://openalex.org/C159110408","wikidata":"https://www.wikidata.org/wiki/Q121176","display_name":"Nursing","level":1,"score":0.11982473731040955},{"id":"https://openalex.org/C187736073","wikidata":"https://www.wikidata.org/wiki/Q2920921","display_name":"Management","level":1,"score":0.0688035786151886},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0},{"id":"https://openalex.org/C141071460","wikidata":"https://www.wikidata.org/wiki/Q40821","display_name":"Surgery","level":1,"score":0.0},{"id":"https://openalex.org/C34447519","wikidata":"https://www.wikidata.org/wiki/Q179522","display_name":"Market economy","level":1,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C142724271","wikidata":"https://www.wikidata.org/wiki/Q7208","display_name":"Pathology","level":1,"score":0.0}],"mesh":[],"locations_count":4,"locations":[{"id":"doi:10.1111/j.1740-1461.2007.00102.x","doi":"https://doi.org/10.1111/j.1740-1461.2007.00102.x","is_oa":false,"landing_page_url":"https://doi.org/10.1111/j.1740-1461.2007.00102.x","pdf_url":null,"source":{"id":"https://openalex.org/S124682778","display_name":"Journal of Empirical Legal Studies","issn_l":"1740-1453","issn":["1740-1453","1740-1461"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","jufo-1","norway-1","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Empirical Legal Studies","raw_type":"journal-article"},{"id":"doi:10.2139/ssrn.912475","doi":"https://doi.org/10.2139/ssrn.912475","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.912475","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},{"id":"pmh:oai:eprints.ucl.ac.uk.OAI2:11969","doi":null,"is_oa":false,"landing_page_url":"http://discovery.ucl.ac.uk/11969/","pdf_url":null,"source":{"id":"https://openalex.org/S4306400024","display_name":"UCL Discovery (University College London)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I45129253","host_organization_name":"University College London","host_organization_lineage":["https://openalex.org/I45129253"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Journal of Empirical Legal Studies , 4 (3) pp. 651-673. (2007)","raw_type":"Article"},{"id":"pmh:oai:eprints.ucl.ac.uk.OAI2:48681","doi":null,"is_oa":false,"landing_page_url":"http://discovery.ucl.ac.uk/48681/","pdf_url":null,"source":{"id":"https://openalex.org/S4306400024","display_name":"UCL Discovery (University College London)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I45129253","host_organization_name":"University College London","host_organization_lineage":["https://openalex.org/I45129253"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Journal of Empirical Legal Studies , 4 (3) pp. 651-674. (2007)","raw_type":"Article"}],"best_oa_location":{"id":"doi:10.2139/ssrn.912475","doi":"https://doi.org/10.2139/ssrn.912475","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.912475","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},"sustainable_development_goals":[{"display_name":"No poverty","score":0.41670000553131104,"id":"https://metadata.un.org/sdg/1"}],"study_designs":[{"display_name":"Randomized Controlled Trial","id":"https://openalex.org/study-designs/randomized-controlled-trial"},{"display_name":"Clinical Trial","id":"https://openalex.org/study-designs/clinical-trial"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":28,"referenced_works":["https://openalex.org/W119541352","https://openalex.org/W1951862132","https://openalex.org/W1982055853","https://openalex.org/W1984581931","https://openalex.org/W1986401613","https://openalex.org/W2019328556","https://openalex.org/W2025198877","https://openalex.org/W2025291755","https://openalex.org/W2028734026","https://openalex.org/W2038411046","https://openalex.org/W2053301306","https://openalex.org/W2080743918","https://openalex.org/W2081346407","https://openalex.org/W2083776200","https://openalex.org/W2095687684","https://openalex.org/W2099495605","https://openalex.org/W2102620347","https://openalex.org/W2104717542","https://openalex.org/W2133333593","https://openalex.org/W2142960568","https://openalex.org/W2148187082","https://openalex.org/W2153836018","https://openalex.org/W2154637465","https://openalex.org/W2174479104","https://openalex.org/W2187662809","https://openalex.org/W2256839130","https://openalex.org/W4296300652","https://openalex.org/W4388133702"],"related_works":["https://openalex.org/W7055477118","https://openalex.org/W4286889802","https://openalex.org/W4321340696","https://openalex.org/W2562066780","https://openalex.org/W7135569485","https://openalex.org/W4391797373","https://openalex.org/W2109102119","https://openalex.org/W1918322913","https://openalex.org/W2990427121","https://openalex.org/W6887619737"],"abstract_inverted_index":{"A":[0],"randomized":[1],"trial":[2,60,69,196],"was":[3,75,116],"conducted":[4],"to":[5,12,21,105,143,202],"assess":[6],"whether":[7],"the":[8,59,68,71,80,95,99,158,167,176,190],"offer":[9,168],"of":[10,48,152,162,166,169,178,208],"advice":[11,210],"those":[13],"experiencing":[14],"debt":[15,92,170],"problems":[16,93],"and":[17,33,50,85,135],"who":[18],"had":[19,26,89],"yet":[20],"obtain":[22],"any":[23],"formal":[24],"advice,":[25],"a":[27,163,183],"positive":[28,164],"impact":[29,165],"on":[30,130],"their":[31,91,107,125,139],"financial":[32,108,126],"general":[34],"circumstances.":[35],"The":[36,155,172],"participants":[37,55,65],"were":[38,56,101],"drawn":[39,188],"from":[40,189],"16":[41],"Jobcentres":[42],"(welfare":[43],"offices)":[44],"in":[45,58,67,79,182,193],"13":[46],"areas":[47],"England":[49],"Wales.":[51],"In":[52],"all,":[53],"402":[54],"included":[57],"at":[61,70,82,94,113],"its":[62],"outset;":[63],"234":[64],"remained":[66],"20\u2010week":[72,96],"followup.":[73,97],"There":[74,115],"no":[76],"significant":[77],"difference":[78],"rate":[81],"which":[83],"intervention":[84],"control":[86,144],"group":[87,145],"respondents":[88],"resolved":[90],"However,":[98],"former":[100],"significantly":[102],"more":[103,122,128,136],"likely":[104,201],"describe":[106],"position":[109],"as":[110],"\u201cbetter\u201d":[111],"than":[112],"baseline.":[114],"also":[117,174],"evidence":[118,161],"that":[119,198],"they":[120],"became":[121],"knowledgeable":[123],"about":[124,138],"circumstances,":[127],"focused":[129],"dealing":[131],"with":[132],"priority":[133],"debt,":[134],"optimistic":[137],"future":[140],"prospects,":[141],"relative":[142],"counterparts.":[146],"These":[147],"findings,":[148],"though,":[149],"fell":[150],"short":[151],"statistical":[153],"significance.":[154],"findings":[156],"provide":[157],"first":[159],"experimental":[160,180],"advice.":[171],"study":[173],"highlights":[175],"difficulties":[177,191],"applying":[179],"methods":[181],"social":[184],"setting.":[185],"One":[186],"lesson":[187],"encountered":[192],"running":[194],"this":[195],"is":[197,200],"takeup":[199],"be":[203],"low":[204],"for":[205,211],"some":[206],"forms":[207],"pro\u2010active":[209],"sensitive":[212],"problem":[213],"types":[214],"experienced":[215],"among":[216],"disadvantaged":[217],"communities.":[218]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":4},{"year":2021,"cited_by_count":2},{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":2},{"year":2018,"cited_by_count":2},{"year":2016,"cited_by_count":3},{"year":2015,"cited_by_count":2},{"year":2014,"cited_by_count":4},{"year":2013,"cited_by_count":3},{"year":2012,"cited_by_count":4}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-06-24T00:00:00"}
