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Personal debt remains an important factor in many economic models because it encourages people to use debt to finance consumption. Whether this model is sustainable for individuals or the countries in which they reside is an ongoing question of great complexity and many social and economic implications, not only for the burdened individuals and their countries, but also for the EU as a whole. In Personal Debt in Europe, Federico Ferretti and Daniela Vandone examine the 'dark side' of personal debt, or over-indebtedness, in social and economic terms. They employ cross-country consumer-level data to present the latest empirical studies on the problem, analyse these findings to better understand its nature and causes, and discuss the merits of proposed insolvency legislation and harmonisation initiatives in the EU.
Consumer credit --- Loans, Personal --- Debt --- Consumer debt --- Credit --- Indebtedness --- Finance --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Loans --- Law and legislation
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"This edited collection brings together essays that explore personal debts to government. Intensive collection efforts by governments in need of revenue often cause hardship, whether it is the poor in the US going to jail because of unpaid fines, low-income English people being evicted because they paid their council taxes but could then not pay their rent, or poor former students having tax refunds or social benefits taken by the government when they have defaulted on their student loans. Student loans, fines and fee arising from the justice system, benefit overpayments and unpaid taxes have all ballooned in the past decade, but no other volume comprehensively addresses the various ways in which governments have become privileged creditors, using their power to collect debts owed to them by their citizens. With each essay emphasizing a particular kind of debt to government, the book focuses on what happens when citizens cannot pay the debts they owe to their governments. Contributors offer pragmatic options to facilitate a movement to soften the stance of governments toward those who owe them money. The insights in this collection will be of relevance to students and academics in criminology, sociology, public policy, and economics, as well as policymakers and government officials interested in effecting change in this area"--
Social problems --- Public finance --- Criminology. Victimology --- Loans, Personal. --- Debt. --- Debt, Imprisonment for. --- Debt, Imprisonment for --- Imprisonment for debt --- Imprisonment --- Indebtedness --- Finance --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer credit --- Loans --- Law and legislation
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Social stratification --- Sociology of work --- Economic sociology --- United Kingdom --- Loans, Personal --- Financial institutions --- Low-income consumers --- Law and legislation --- Disadvantaged consumers --- Poor as consumers --- Consumers --- Financial intermediaries --- Lending institutions --- Associations, institutions, etc. --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer credit --- Loans
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