# Study pack: Arbel_Galley (Do Not Delete) 1/2/2018 4:17 PM (ssrn-3015569)

- SSRN: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3015569
- Full text: `papers/ssrn-3015569/paper.txt`
- Summary (EN): `papers/ssrn-3015569/summary.md`
- Summary (ZH): `papers/ssrn-3015569/summary.zh.md`

## Elevator pitch

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 / concepts

contracts; AI; law

## Suggested questions (for RAG / study)

- What is the paper’s main claim and what problem does it solve?
- What method/data does it use (if any), and what are the main results?
- What assumptions are doing the most work?
- What are the limitations or failure modes the author flags?
- How does this connect to the author’s other papers in this corpus?

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