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7.1 Joint Settlement of Claims: The Law Has Come Into Effect
... essential, without recourse to loans to finance debts contracted previously. in defining over-indebtedness, a choice must be made between an objective, quantitative model, a purely subjective model, or an administrative ... riches of life success has. a certain amount of failure is used by the credit provider as a guide to margins, and costed into their product beforehand. nick huls writes a ...
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Doku_Con_Juni05_s1_33.qxp
... is that social counselling organisations (caritas graz, caritas salzburg, verein neu- start) and a provider of courses organised by the public employment service ams cooperated with the debt counselling ... while at the same time introducing new charges), practices that are counter to the free choice of consumers and the principle of fair competition (complex or expensive arrangements for clo- ...
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