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7.1 Joint Settlement of Claims: The Law Has Come Into Effect
... exclusion arising out of overindebtedness of consumers. the network works to influence and effect change in the social, legal, economic and political structures and organisations which affect overindebted consumers ... 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 a ...
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Netherlands cf USA Cons BK Reform v2.doc
... , at 892-94. the 2005 amendments will change this, too, although only for a small percentage of debtors. see infra part iii.b.2. ... -- essentially the welfare qualification level--for three years.53 the percentage payment to creditors is thus determined according to the debtor's ... not in terms of a percentage of the debtor's total income, but in terms of a percentage of the official welfare assistance ...
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