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Doku_Con_Juni05_s1_33.qxp
... financial behaviour there is a correlation between finan- cial knowledge and behaviour (those with better results in financial tests follow recommended practices such as paying all bills on time, reconci- ling ... reduction comes from the counselling itself rather than the selection of borrowers into these programmes. recent surveys show that high school seniors in the usa in 2004 know even less about ...
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Netherlands cf USA Cons BK Reform v2.doc
... , iain ramsay william whitford eds., dmps and credit counseling in crisis before the most recent amendments to the bankruptcy code, neither chapter required the debtor to attempt to negotiate ... experience under the very similar cramdown provision of the german consumer bankruptcy system produced similar results, and this provision is slated for elimination there. see kilborn, german law, supra note ...
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zusammenfassung-u1-u4.qxp
... a comprehensive study carried out in enterprises in wallonia in 2002 led to the following results overindebtedness continues to be a taboo in most enterprises. neverthe- less, its consequences are often ... living costs, has no sufficient remaining income to keep up necessary instal- ments. according to recent statistics, at present more than 180 000 austrian households are overindeb- ted and thus ...
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