Creola Johnson

Publications

• Holding the Debtor’s Fresh Start Hostage: Bankruptcy Courts Incorrectly Interpret Ransom v. Fia Card Services to Deny Debtors a Car Ownership Expense Deduction
  42 EMORY BANKR. DEV. J. 159 (2026) · Emory Bankruptcy Developments Journal · 2026
• The Modern Family Debacle: Bankruptcy Judges Decide that Some Debtors’ Loved Ones Do Not Count as Household Members!
  111 CAL. L. REV. 1027 (2023) · California Law Review · 2023
• Crushed by COVID-19 Medical Bills, Coronavirus Victims Need Debt Relief Under the Bankruptcy Code and Workers' Compensation Laws
  125 PENN ST. L. REV. (2021) · Penn State Law Review (2003 - Present) · 2021

• Prosecuting Creditors and Protecting Consumers: Cracking Down on Creditors that Extort via Debt Criminalization Practices
  80 LAW & CONTEMP. PROBS. 211 (2017) · Law and Contemporary Problems · 2017
• Consumer Credit in America: Past, Present, and Future
  80 LAW & CONTEMP. PROBS. (2017) · Law and Contemporary Problems · 2017
• America’s First Consumer Financial Watchdog Is on a Leash: Can the CFPB Use Its Authority to Declare Payday-Loan Practices Unfair, Abusive, and Deceptive?
  61 CATH. U. L. REV. 381 (2012) · Catholic University Law Review · 2012
• Congress Protected the Troops: Can the New CFPB Protect Civilians from Payday Lending?
  69 WASH. & LEE L. REV. 649 (2012) · Washington and Lee Law Review · 2012
• Panel 4: Empirical Data and a Direction for Federal Regulation
  Washington and Lee Law Review · 2011
• Renters Evicted en Masse: Collateral Damage Arising from the Subprime Foreclosure Crisis
  62 FLA. L. REV. 975 (2010) · Florida Law Review · 2010

• Fight Blight: Cities Sue to Hold Lenders Responsible for the Rise in Foreclosures and Abandoned Properties
  2008 UTAH L. REV. (2008) · Utah Law Review · 2008
• Credentialism and the Proliferation of Fake Degrees: The Employer Pretends to Need a Degree; The Employee Pretends to Have One
  23 HOFSTRA LAB. & EMP. L.J. (2006) · Hofstra Labor & Employment Law Journal · 2006
• Payday Loans: Shrewd Business or Predatory Lending?
  87 MINN. L. REV. 1 (2002) · Minnesota Law Review · 2002