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Vol 21 No 11 Nov/Dec 2016

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Consumer Debt and Social Exclusion in Europe

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Edited by: Irina Domurath, Hans W. Micklitz

ISBN13: 9781472449030
Published: July 2015
Publisher: Ashgate Publishing Ltd
Country of Publication: UK
Format: Hardback
Price: £70.00



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This book analyses the dichotomy between the goal of social inclusion and the effect of social exclusion through over-indebtedness since 2008 in Europe. Filling a vital gap in the current literature on the effects of the financial and economic crisis, this volume puts into context academic discussion with the real-life dimension of over-indebtedness.

Reports from six European countries provide socio-economic and legal information on over-indebtedness as well as the regulatory and judicial responses to the problems entailed by over-indebtedness. They form the empirical background for five analyses of different aspects of the inclusion-exclusion dichotomy. It becomes clear that in the context of credit expansion, individual over-indebtedness has turned into a social issue, which the current design of the consumer credit and mortgage system in Europe has helped to produce while disregarding the consequential danger of social exclusion.

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Subjects:
Insolvency Law, Consumer Law
Contents:
Part I The Framework: Introduction, Irina Domurath and Hans-W. Micklitz
The design of consumer and mortgage credit law in the European system, Guido Comparato.

Part II The Country Reports: Country report Greece, Georgios Mentis and Ekaterini Pantazatou
Country report Portugal, Catarina Frade and Mariana Pinheiro Almeida
Country report Spain, Pablo Gutierrez de Cabiedes and Marta Cantero Gamito
Country report Hungary, Monika Jozon
Country report Iceland
Maria Elvira Mendez Pinedo and Irina Domurath
Country report Romania, Beatrice Andresan-Grigoriu and Madalina Moraru.

Part III The Different Issues of Over-Indebtedness: Over-indebtedness and its causes across European countries, Elaine Kempson
A map of responsible lending and responsible borrowing - suggestions in the EU for a stronger legal framework to prevent over-indebtedness, Irina Domurath
The role of credit bureaus in globalized economies - why they matter less than we think and how they can matter more, Akos Rona-Tas
Two cheers for Europe: austerity, mortgage foreclosures and personal insolvency policy in the EU, Iain Ramsay
Conclusions: consumer over-indebtedness and consumer insolvency - from micro to macro, Hans-W. Micklitz. Index.