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1 - 3 van 3 voor pay out ratio
7.1 Joint Settlement of Claims: The Law Has Come Into Effect
... domestic economic arrangements -are objectively unable, on a structural and ongoing basis, to pay short-term debts, taken out to meet needs considered to be essential, without recourse to loans to ... subjective model, or an administrative model. under the first model, households whose debt service ratio (the percentage of interest payment and debt repayment in relation to available income) exceeds ...
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Doku_Con_Juni05_s1_33.qxp
... .6 the centrality of educational efforts has until now drawn its ratio- nale from more or less plausible inferences concerning the impact of ... to avoid high-cost debt and improve payment options, pay bills on time and pay more than the minimum payment, 10 conference 2005 5 braunstein ... had done so.23 in another sur- vey it was found out that 68 out of 100 employees in a us company believed that they ...
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Netherlands cf USA Cons BK Reform v2.doc
... . unlike in the u.s. counseling model, dutch creditors generally pay nothing to the gkbs. credit counseling in the netherlands is ... alternative in the wsnp has shifted creditors' incentives toward refusing out-of-court arrangements, see nick huls, nadja jungmann bert niemeijer, ... debt load of about 30,000--still far too lopsided a ratio to cover living expenses and still offer creditors at least a 40 ...
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