# Arbel_Galley (Do Not Delete) 1/2/2018 4:17 PM — one-page summary

**Paper ID:** `ssrn-3015569`
**Year:** 2018
**Author(s):** Yonathan Arbel
**SSRN:** https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3015569

## TL;DR

Professor Yonathan Arbel of the University of Alabama School of Law argues that the current consumer debt litigation system is failing due to prevalent unmeritorious claims and consumer inability to defend themselves. He proposes "Adminization," where an administrative agency acts as a cost-effective gatekeeper, using sampling and AI to audit lawsuits and levy large fines against those filing baseless claims. This aims to deter abuse, enhance judicial efficiency, and provide meaningful oversight, offering a more just and economically viable solution than existing court-based approaches or proposed reforms like expanded legal aid.

## Keywords

contracts; AI; law

## Files

- Full text: `papers/ssrn-3015569/paper.txt`
- PDF: `papers/ssrn-3015569/paper.pdf`
- Summary (EN): `papers/ssrn-3015569/summary.md`
- Summary (ZH): `papers/ssrn-3015569/summary.zh.md`

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