Towards a common operational European definition of over-indebtedness
European Commission, 2008 - Consumer credit - 7 pages
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Advice and Budgeting affordable credit approaching the monthly Austria Belgium borrowing and money Budgeting Service Bulgaria burden cause of over-indebtedness CJ-S-DEBT commitment payments Committee of Ministers consumer credit commitments contractual financial commitments costs of living coun countries have introduced coverage credit reporting agencies creditors Czech Republic debt advice agencies Debt counselling services debt counsellors debt problems debt recovery debt settlement debtor Definitions of over-indebtedness ensure EU-SILC survey financial arrears financial difficulties financial education financial exclusion Finland Germany Greece identified including bankruptcy indebtedness indicators Italy legal solutions legislation Lithuania living expenses ment Ministers to Member Money Advice monthly minimum costs Netherlands non-judicial Norway number of countries organisations over-committed over-indebted households Over-indebtedness measurements Payment capacity Poland Poor money management Portugal poverty threshold prevent over-indebtedness procedures for debt provide provision of debt Recommendation CM/Rec(2007)8 recurring expenses rehabilitate Responsible arrears management Responsible borrowing responsible lending Schufa Holding solutions to debt special module Sweden tion