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1 - 4 van 4 voor second approach
7.1 Joint Settlement of Claims: The Law Has Come Into Effect
... member states of the european union which have civil code regimes have taken a conservative approach to individual financial failures and the possibility of rehabilitation and discharge. however, following the lisbon ... i.e. the creditors turn down the proposal, the debtor can apply for the second step. the second stage would determine eligibility, the applicant for entry to the scheme would be ...
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Netherlands cf USA Cons BK Reform v2.doc
... crisis by the late 1990s, however, pushing the netherlands toward fundamental reform. 1. a different approach to organizing credit counseling the credit counseling system in the netherlands was also initiated and ... periods of two to six months just to get appointments with local debt counselors.90 second, creditors understandably do not view responding to debt arrangement proposals as an issue of ...
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zusammenfassung-u1-u4.qxp
... is that creditors find the legal arrangement more attractive than the amicable settlement and the second cause is that many municipa- lities took advantage of the introduc- tion of the wsnp ... is expected that this will also provide guidelines for muni- cipalities as regards an integrated approach of overindebtedness. conclusion to sum up, it can be concluded that overindebtedness in the netherlands ...
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Microsoft Word - Expert Recs and the Euro Model (Inaugural Lecture) v4 FINAL 12-10-2010.doc
... recommendations is relevant here. the first presents a broad working definition of overindebtedness, the second addresses measures to prevent excessive consumer debt, the third deals with debtor protections from ... only where other measures have proved to be ineffective. a cornerstone of the european approach to overindebtedness relief has always been and will remain that debtors should fulfill their ...
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