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Consumer Debt and Social Exclusion in Europe

Consumer Debt and Social Exclusion in Europe

Author: Irina Domurath; Hans W. Micklitz
Publisher: Routledge
ISBN: 9781472449030
Published In: July 2015
Format: Hardback
Jurisdiction: U.K. ? Disclaimer:
Countri(es) stated herein are used as reference only

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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.

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.