1 - 4 van 4 voor individual workers
7.1 Joint Settlement of Claims: The Law Has Come Into Effect
... be a second, separate european debt settlement act for individual private persons - applicants. this second act should be only available to individual, private persons, there should be a voluntary ... overindebted or insolvent. more extra judicial agreements with the intervention of debt advice workers whereby moratoria, holiday from payments, interest holidays and rescheduling should be given some ...
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Doku_Con_Juni05_s1_33.qxp
... ser- vices are made available to a larger number of persons; furthermore, social workers acquire additional qualifications in this way. also, the employability of clients is increased. ... of overindebtedness? yes, it definitely does. 17conference 2005 financial education financial general education individual level social level understanding managing one's own budget debtors are emancipated actors ...
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Netherlands cf USA Cons BK Reform v2.doc
... e.g., jason j. kilborn, mercy, rehabilitation, and quid pro quo a radical reassessment of individual bankruptcy, 64 ohio st. l.j. see european insolvency practitioners' handbook 193-94 (sir kenneth ... of offering debtors a perspective for their futures, giving them an incentive to remain productive workers rather than cowering in the shadow of insurmountable debt for the remainder of their productive ...
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zusammenfassung-u1-u4.qxp
... social counselling centres, employment agencies, qualification programmes etc.), specific counsel- ling plans for individual target groups are drawn up, with particular attention paid to groups especially affected ... call friendly mediation . it is organised by debt advice services composed of social workers and lawyers. they try to restore communications between overindebted people and creditors. ...
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