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1 - 5 van 5 voor low budget
7.1 Joint Settlement of Claims: The Law Has Come Into Effect
... commonly accepted methodology, quality assessment and assurance standards and definitions relating to debt advice, budget standards and financial and social inclusion, throughout europe. collect relevant information and data on ... al consommation, paris reported in 1973. caplovitz the poor pay more consumer practices of low income families the cost of paying later, free press of glencoe, new york 1963 ...
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Doku_Con_Juni05_s1_33.qxp
... responsibilities for their retire- ment savings have grown. changes in welfare reform have moved low- income consumers from government benefit recipients to permanent job seekers. the characteristics ... education financial general education individual level social level understanding managing one's own budget debtors are emancipated actors in the economic sphere. change of individual behaviour ...
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Netherlands cf USA Cons BK Reform v2.doc
... results of individual agencies, this same survey reported that the 4 gkbs surveyed had quite low success rates, while non-gkb counselors, especially the 3 social welfare agencies surveyed, achieved plans ... not to mention floating expenses for food and other household expenses. even given a tight budget of, say, another 400 per month for food and other variable household expenses, this would ...
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zusammenfassung-u1-u4.qxp
... mar- ket access. the case is different if overindebtedness is or becomes structural (low incomes, bad budget administration, ...). we can imagine three main solutions to help overindebted people to get ... an emphasis on practical, budget based measures that will have success in removing people per- manently from dependence on moneylenders and open up alter- native sources of low cost credit through ...
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Microsoft Word - Expert Recs and the Euro Model (Inaugural Lecture) v4 FINAL 12-10-2010.doc
... proceedings without prohibitive costs, though restricted to those acting in good faith, (4) availability of budget and debt counseling, and (5) preference for out-of-court or pre-court proceedings. ... over-indebted individuals being unemployed, medical costs, accommodation of those evicted from their homes, low recovery rates of creditors, the loss of members who could potentially contribute to the ...
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