Consumer Debt and Social Exclusion in Europe
- ISBN-10
- 1472449045
- ISBN-13
- 9781472449047
- Category
- Bankruptcy
- Pages
- 256
- Language
- English
- Published
- 2015-06-01
- Publisher
- Lund Humphries Publishers
- Authors
- Hans-W. Micklitz, Irina Domurath
Description
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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