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Consumer debt and social exclusion in Europe

Author: Hans-W Micklitz; Irina Domurath
Publisher: Farnham, Surrey, England ; Burlington, VT, USA : Ashgate, [2015]
Series: Markets and the law.
Edition/Format:   Print book : EnglishView all editions and formats
Summary:
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  Read more...
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Document Type: Book
All Authors / Contributors: Hans-W Micklitz; Irina Domurath
ISBN: 9781472449030 1472449037 9781472449047 1472449045 9781472449054 1472449053
OCLC Number: 893202864
Description: xi, 244 pages : illustrations ; 25 cm.
Contents: The design of consumer and mortgage credit law in the European system / Guido Comparato --
Country report Greece / Georgios Mentis, Ekaterini Pantazatou --
Country report Portugal / Catarina Frade, Mariana Pinheiro Almeida --
Country report Spain / Pablo Gutiérrez de Cabiedes, Marta Cantero Gamito --
Country report Hungary / Mónika Józon --
Country report Iceland / Maria Elvira Méndez Pinedo, Irina Domurath --
Country report Romania / Beatrice Andresan-Grigoriu, Madalina Morar --
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.
Series Title: Markets and the law.
Responsibility: edited by Hans-W. Micklitz, European University Institute, Italy ; Irina Domurath, University of Copenhagen, Denmark.

Abstract:

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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'From "you've got to have money" vs "social force majeure" towards a new societal and economic perspective on the regulation of household debt following the financial crisis. The analysis of the Read more...

 
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