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Doku_Con_Juni05_s1_33.qxp
... networking partner heureka (bildungs-seminar, germany). conclusions and consequences the following demands and conclusi- ons can be drawn from the results of the dp schulden-shredder in order to guarantee ... freddie- mac.com corporate r eports pdf hombuy- ers study.pdf introduction preventive approaches have always existed in debt counsel- ling. at the early stages of debt counselling in germany, ...
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Netherlands cf USA Cons BK Reform v2.doc
... new economic life.9 bankruptcy in the netherlands, as in other european countries, has always carried an entirely different meaning. the dutch bankruptcy law (faillissementswet) has been in force ... incentives toward refusing out-of-court arrangements, see nick huls, nadja jungmann bert niemeijer, can voluntary debt settlement and consumer bankruptcy coexist? the development of dutch insolvency law, ...
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zusammenfassung-u1-u4.qxp
... obvious obstacle to debt relief, because income often goes down accordingly. however, overindebtedness is not always an obstacle to reemploy- ment, as debts are not officially known in many cases ... if the overindebtedness situation is problematic or if no agreement is possible with creditors, people can get into a collective repayment pro- gramme called judicial mediation . a conciliator is named ...
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Microsoft Word - Expert Recs and the Euro Model (Inaugural Lecture) v4 FINAL 12-10-2010.doc
... have proved to be ineffective. a cornerstone of the european approach to overindebtedness relief has always been and will remain that debtors should fulfill their obligations if at all possible, and ... the judicial authorities to prepare for this new procedure. within the next few years, one can confidently predict that we will see new individual discharge laws in romania, lithuania, hungary, and ...
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