Irena Kogan is Professor of Sociology at the University of Mannheim, Germany. Michael Gebel is Assistant Lecturer at the University of Mannheim. Clemens Noelke is Postdoctoral Fellow at the Mannheim Centre for European Social Research, University of Mannheim.Katherine Porter is Professor of Law at the University of Iowa School of Law. In 2010-2011, she was the Robert Braucher Visiting Professor at Harvard Law School. She is an expert in consumer credit law and has testified several times before Congress. Her published research addresses mortgage servicing, financial education, and consumer bankruptcy.