Lois R. Lupica is a nationally recognized scholar in the areas of consumer and commercial credit and bankruptcy law. She is currently one of three Principal Investigators of the Consumer Financial Distress Research Study (together with Jim Greiner of Harvard Law School and Dalié Jiménez of University of Connecticut Law School), a randomized control trial examining the efficiency of the small claims court system, the consequences of various legal intervention programs and the value of financial education. Professor Lupica is also Principal Investigator of the Apps for Justice Project, where she has been working with law students to build, develop and create practical, technology-based tools (apps) that enable low- and moderate- income Maine residents who cannot afford full-scale legal assistance to either independently address their specific legal problem, or to leverage the ability of “low bono” providers of legal services to more cost-effectively provide legal assistance.

From 2009 to 2011, Professor Lupica was the Principal Investigator for The Consumer Bankruptcy Fee Study, and The Consumer Bankruptcy Creditor Distribution Study, landmark research that examined the 2005 changes to Bankruptcy Code, and how those changes impact creditors, debtors, trustees and lawyers. Courts and bankruptcy practitioners are using the results of the study to help improve the fairness and efficiency of the system.

Professor Lupica’s empirical research has been funded by the National Science Foundation, the American Bankruptcy Institute Anthony H.N. Schnelling Endowment, the National Conference of Bankruptcy Judges Endowment for Education, the Sears Consumer Protection and Education Fund, the Maine Economic Improvement Fund, Harvard University and the Arnold Foundation.

Professor Lupica is the author of a leading casebook on Bankruptcy Law (with Professor M. Howard) and a book designed to provide law students with the experience of addressing a series of problems that typically arise in bankruptcy practice (Developing Professional Skills in Bankruptcy (with M. Howard)).

In 2012, Professor Lupica was inducted as a Fellow in the American College of Bankruptcy, an honor in recognition of her professional excellence and exceptional contributions in the fields of bankruptcy and insolvency. She also received the Hon. Wesley W. Steen Prize for Best Bankruptcy Article in 2012.

Professor Lupica is actively involved in numerous professional and academic organizations. She was elected in 2014 to the Board of Directors of the American Bankruptcy Institute, and serves on the Advisory Board for the American Bankruptcy Institute Law Review. Professor Lupica served as Reporter for the Maine Ethics 2000 Task Force and Co-reporter (with Professor Nancy Rapoport) for the ABI National Ethics Task Force, where she worked to develop proposals to address ethics issues encountered by bankruptcy professionals and judges. She also served as Special Counsel in the Bankruptcy & Restructuring section of Thompson & Knight LLP from 2008 to 2013. In 2015, she served as a pro bono consultant to the World Bank, where she worked with the Central Bank of Vietnam to develop a strategy for addressing their non-performing loans.

At Maine Law, Professor Lupica teaches Bankruptcy, Secured Transactions, Sales, and Negotiation. Prior to joining Maine Law, Professor Lupica was a Clinical Professor at Seton Hall University School of Law, where she developed a transactional clinical program that represented non-profit affordable housing developers in connection with their business and real estate transactions. She was in private practice from 1987 to 1992, working on domestic and international transactions at the law firms of Arnold & Porter and White & Case in New York City.

Professor Lupica, an affiliated faculty member of the Harvard Law School Center on the Legal Profession. is an active speaker and commentator in the field of consumer credit, bankruptcy, and legal ethics. As a graduate of a Le Cordon Bleu intensive French regional cooking program, and a member of the Art Student League and the Encaustic Art Institute, she makes extensive use of her talents as a chef and encaustic painter.


Selected Publications:

Self-help, Reimagined, 92 IND. L.J. _ (2016) (with Greiner & Jimenez). [SSRN]

The Consumer Bankruptcy Creditor Distribution Study: Final Report (2013). [PDF]

Improving the Lives of Individuals in Financial Distress Using a Randomized Control Trial: A Research and Clinical Approach, 21 GEO. J. ON POVERTY L. & POL’Y 449 (2013) (with D. Jiménez et. al.). [PDF] [SSRN]

The Consumer Bankruptcy Fee Study: Final Report, 20 AM. BANKR. INST. L. REV. 17 (2012). [PDF] [SSRN]

Credit Rating Agencies, Structured Securities, and the Way Out of the Abyss, 28 REV. BANKING & FIN. L. 639 (2009). [PDF] [SSRN]

The Consumer Debt Crisis and the Reinforcement of Class Position, 40 LOY. U. CHI. L.J. 557 (2009). [PDF] [SSRN]


The Costs of BAPCPA: Report of the Pilot Study of Consumer Bankruptcy Cases, 18 AM. BANKR. INST. L. REV. 43 (2010). [PDF] [SSRN]

A Study of Consumers’ Post Discharge Finances: Struggle, Stasis, or Fresh Start? 16 AM. BANKR. INST. L. REV. 283 (2008) (with Jay L. Zagorsky, Ph.D.). [PDF] [SSRN]

Legislative Messaging and Bankruptcy Law, 67 U. PITT. L. REV. 497 (2006) (with Karen Gross & Kathryn R. Heidt). [PDF]

The Impact of Revised Article 9, 93 KY. L.J. 867 (2005). [PDF] [SSRN]

Professional Responsibility Redesigned: Sparking a Dialogue between Students and the Bar, 29 J. LEGAL PROF. 71 (2005). [PDF]

The Effect of Bankruptcy upon a Firm using Patents and Trademarks as Collateral, Symposium, 41 IDEA 585 (2002). [PDF]

Revised Article 9, the Proposed Bankruptcy Code Amendments and Securitizing Debtors and Their Creditors, Symposium, 7 FORDHAM J. CORP. & FIN. L. 321 (2002). [PDF]

Revised Article 9, Securitization Transactions and the Bankruptcy Dynamic, Symposium, Revised Article 9 in Bankruptcy, 9 AM. BANKR. INST. L. REV. 287 (2001). [PDF] [SSRN]

The Technology-Rich “Dot-Com” in Bankruptcy: The Debtor as Owner of Intellectual Property, Symposium, Financing the Enterprises on the Internet, 53 ME. L. REV. 361 (2001). [PDF]

Circumvention of the Bankruptcy Process: The Statutory Institutionalization of Securitization, 33 CONN. L. REV. 199 (2000). [PDF] [SSRN]

Transition Losses in the Electric Power Market: A Challenge to the Premises Underlying the Arguments for Compensation, 52 RUTGERS L. REV. 649 (2000). [PDF] [SSRN]

Asset Securitization: The Unsecured Creditor’s Perspective, 76 TEX. L. REV. 595 (1998). [PDF] [SSRN]