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Netherlands cf USA Cons BK Reform v2.doc
... breakdown in the credit counseling and means testing parts of our new system. in particular, the new u.s. system will likely face serious challenges due to mandatory participation by the ... republic of debtors bankruptcy in theage of american independence (2002). 8 see generally lendol calder, financing theamerican dream a cultural history of consumer credit of course, some debts have always been ...
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zusammenfassung-u1-u4.qxp
... , financial support has been provided by employment offices under the title of indirect financing in the context of social education and counselling for participants in occu- pation ... lack of access to information, inability to deal with social problems, complexity of the system behavioural over-commitment, poor budgeting skills, addictions, irresponsible borrowing and irresponsible lending. effects ...
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