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7.1 Joint Settlement of Claims: The Law Has Come Into Effect
... overindebtedness is credit. nick huls. 2 the term 'overindebtedness' is relatively new. in the 1980's many phrases were used ... la consommation (1993) of belgium notes that overindebtedness is a relatively imprecise notion, with a number of definitions existing with different ... in 1973. caplovitz the poor pay more consumer practices of low income families the cost of paying later, free press of ...
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Doku_Con_Juni05_s1_33.qxp
... - ment savings have grown. changes in welfare reform have moved low- income consumers from government benefit recipients to permanent job seekers ... the upper end of what most low-income persons likely can save. relatively to all low-income families, the add participants stu- ... to make a diffe- rence. furthermore, idas reach a relatively small number of people in spite of noticeable policy activity ...
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Netherlands cf USA Cons BK Reform v2.doc
... same survey reported that the 4 gkbs surveyed had quite low success rates, while non-gkb counselors, especially the 3 social ... parliament in december 1992.76 indeed, the legislative record reveals relatively few points of dispute over the new law. it ... reasons for failure of voluntary arrangements--high debt levels and low percentage payoff capacity99 -- have not improved since the early 1990s ...
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Microsoft Word - Expert Recs and the Euro Model (Inaugural Lecture) v4 FINAL 12-10-2010.doc
... -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 ... southern and eastern europe, credit counseling networks are generally either non-existent or are relatively under-developed, though a few selected countries, especially hungary, have well-developed programs ...
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