Comparative Perspectives Of Consumer Over Indebtedness
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| Author | : Federico Ferretti |
| Publisher | : |
| Total Pages | : 0 |
| Release | : 2016 |
| Genre | : Consumer credit |
| ISBN | : 9789462366732 |
This book explores the topic of over-indebtedness of consumers and their inability to repay their debts. With a large number of people having excessive debt levels across Europe, it not only impacts badly on the lives of those who are affected, but also carries great social and economic costs. Therefore, it has become a concern for both national and EU policymakers, and requires adequate legal responses for the prevention of the problem and the alleviation of its effects. Responsible credit and personal insolvency are the main solutions discussed in this book alongside other practical aspects. The volume combines a range of multidisciplinary articles by recognised national academic and non-academic experts representing a diversity of interests in the UK, Germany, Greece and Italy. Written by academics, representatives of consumer organisations, practitioners, debt advisors and industry representatives, it is an important resource not only for their equivalents but also for policymakers, the judiciary and everyone involved in the understanding of the problem of consumer over-indebtedness. (Series: European and International Insolvency Law Studies, Vol. 3) [Subject: Commercial Law, International Law]
| Author | : Federico Ferretti |
| Publisher | : Cambridge University Press |
| Total Pages | : 257 |
| Release | : 2019-04-25 |
| Genre | : Business & Economics |
| ISBN | : 1108426735 |
Analyses personal debt and the over-indebtedness of consumers in the European Union from the multi-disciplinary perspectives of economics, policy, and law.
| Author | : Johanna Niemi |
| Publisher | : Bloomsbury Publishing |
| Total Pages | : 378 |
| Release | : 2003-11-27 |
| Genre | : Law |
| ISBN | : 1847311032 |
Consumer Bankruptcy and over-indebtedness is an emerging field throughout the world. This book provides a comparative appraisal of global developments in this area. It is one of the first book length publications focusing on comparative consumer bankruptcy and over-indebtedness. It combines theoretical and empirical studies of bankruptcy regimes and consumer credit in civilian and common law jurisdictions as well as exploring current reform trends. The book will be of interest to academics, policymakers and law reformers as well as to practitioners.
| Author | : Guido Comparato |
| Publisher | : Bloomsbury Publishing |
| Total Pages | : 229 |
| Release | : 2018-08-23 |
| Genre | : Law |
| ISBN | : 1509919236 |
This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas: access to a bank account, access to credit, over indebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules.
| Author | : Charles E. F. Rickett |
| Publisher | : Cambridge University Press |
| Total Pages | : 444 |
| Release | : 2003-03-20 |
| Genre | : Law |
| ISBN | : 1139436821 |
Consumer protection law in the age of globalisation poses new challenges for policy-makers. This book highlights the difficulties of framing regulatory responses to the problem of consumers' access to justice in the new international economy. The growth of international consumer transactions in the wake of technological change and the globalisation of markets suggests that governments can no longer develop consumer protection law in isolation from the international legal arena. Leading scholars consider the broader theme of access to justice from socio-legal, law and economics perspectives. Topics include standard form contracts, the legal challenges posed by mass infections (such as mad-cow disease and CJD), ombudsman schemes, class actions, alternative dispute resolution, consumer bankruptcy, conflict of laws, and cross-border transactions. This book demonstrates that advancing and achieving access to justice for consumers proves to be a challenging, and sometimes elusive, task.
| Author | : Joseph Spooner |
| Publisher | : Cambridge University Press |
| Total Pages | : 309 |
| Release | : 2019-04-11 |
| Genre | : Business & Economics |
| ISBN | : 1107166942 |
Excessive household debt has allowed for economic growth, but this model has become increasingly unstable. Spooner examines bankruptcy law as a potential solution.
| Author | : Noah Vardi |
| Publisher | : BRILL |
| Total Pages | : 287 |
| Release | : 2022-09-12 |
| Genre | : Law |
| ISBN | : 900452505X |
In this comparative study in US and EU law, Noah Vardi questions whether there is a legally enforceable duty to lend and borrow credit in a “responsible” manner and clarifies the associated notion of “creditworthiness.”
| Author | : Ireneusz Miciuła |
| Publisher | : BoD – Books on Demand |
| Total Pages | : 224 |
| Release | : 2024-07-03 |
| Genre | : Business & Economics |
| ISBN | : 085466422X |
Financial Literacy in Today's Global Market presents a comprehensive overview of financial literacy in the global world. Written by authors from various academic centers, the book provides knowledge, recommendations, and practical solutions to new challenges within the contemporary processes of financial globalization, financial literacy, and the international market. Financial Literacy in Today's Global Market provides up-to-date knowledge about the science of finance, which in practical elements translates into the quality of socioeconomic life. This book raises many issues related to the processes taking place before our eyes on global financial markets, which influence the change in the ways and possibilities of human functioning in economic life. Financial technologies (FinTech) are some of the most important factors for the intelligent and sustainable development of knowledge-based economies. The selection of topics discussed herein reflects the growing importance of the world of finance, including the impact of information technologies on socioeconomic development and changes in the organization of financial flows. The global financial market is the subject of interest for many technical and social sciences and is associated with the interpenetration of technical, organizational, marketing, social, and psychological processes. All these elements are combined with modern knowledge about the processes taking place in the global world of finance. The book discusses changes in the global environment as\ a result of the revolution of financial processes in society, which are the foundation of every economy.
| Author | : Hans-W Micklitz |
| Publisher | : Bloomsbury Publishing |
| Total Pages | : 375 |
| Release | : 2023-12-14 |
| Genre | : Law |
| ISBN | : 1509963049 |
This book analyses the transformation of consumer law and policy in Europe from 4 perspectives: first, the temporal transformation, i.e., changes that can be tracked from the turn of the millennium; secondly, the substantive dimension, i.e., changes in the scope of the rights and remedies provided by consumer law, as well as the underpinning values; thirdly, the institutional dimension, i.e., changes in the role of national courts, national Parliaments, consumer agencies, and consumer organisations; and fourth, the procedural element, i.e., the shift from individual enforcement via courts to enforcement by public regulators, consumer associations, alternative dispute resolution, and the development of collective enforcement exercised by consumer agencies and/or consumer organisations. With contributions by leading consumer law scholars from across Europe, this book is a fascinating account of how consumer law has often been shaped by national as much as European interests.
| Author | : Kate Bedford |
| Publisher | : Oxford University Press |
| Total Pages | : 385 |
| Release | : 2019-09-26 |
| Genre | : Law |
| ISBN | : 0192583867 |
Casinos are often used by political economists, and popular commentators, to think critically about capitalism. Bingo - an equal chance numbers game played in many parts of the world - is overlooked in these conversations about gambling and political economy. Bingo Capitalism challenges that omission by asking what bingo in England and Wales can teach us about capitalism and the regulation of everyday gambling economies. The book draws on official records of parliamentary debate, case law, regulations and in-depth interviews with both bingo players and workers to offer the first socio-legal account of this globally significant and immensely popular pastime. It explores the legal and political history of bingo and how gender shapes, and is shaped by, diverse state rules on gambling. It also sheds light on the regulation of workers, players, products, places, and technologies. In so doing it adds a vital new dimension to accounts of UK gambling law and regulation. Through Bingo Capitalism, Bedford makes a key theoretical contribution to our understanding of the relationship between gambling and political economy, showing the role of the state in supporting and then eclipsing environments where gambling played a key role as mutual aid. In centring the regulatory entanglement between vernacular play forms, self-organised membership activity, and corporate leisure experiences, she offers a fresh vision of gambling law from the everyday perspective of bingo.
