Managing troubles-talk in the renegotiation of a loan contract  

Oleh:

Ekstrom, Mats ; Lindstrom, Anna ; Karlsson, Susanna

Jenis: Article from Journal - ilmiah internasional
Dalam koleksi: Discourse Studies (Full Text) vol. 15 no. 4 (Aug. 2013), page 371 –394.
Topik: Debt; financial troubles; institutional agenda; moral concerns; reason for call; stigma; student loan; temporal shift; troubles-tellings
Fulltext: Discourse Studies-2013-Ekström-371-94.pdf (486.86KB)

Isi artikel

This study focuses on troubles-tellings in calls to the Swedish Board for Student Support, where the caller wants to negotiate the repayment contract of a student loan. The study relates to research on the organization of troubles-tellings in institutional interaction, and the overall question of how talk about money is a delicate matter that is shaped by moral concerns. The data consist of 94 calls in which the caller proposes either a reduction or a temporal suspension of repayment. The analysis shows that troubles-tellings are launched to account for past failures to adhere to the contracted payment schedule. These tellings are met with minimal responses, which in turn engender a shift towards solutions that resonate with the institutional agenda. The study explores the resources recruited by the participants to deal with a potentially stigmatic situation by formulating the troubles as merely temporary and projecting a future situation where payments are made on time.

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