Cover; Titel page; Table of Contents; List of Contributors; 1 Introduction: Setting the Scene; Part I The EU Framework; 2 The Over-Indebtedness of European Consumers under EU Policyand Law; Part II The UK; 3 Facts and Figures of Consumer Over-Indebtedness in the UK:Experience from Debt Advisers; 4 What Explains the Low Impact of the Financial Crisis on Levels of Arrears among UK Households?; 5 Britain's Debt Crisis and Responsible Credit; 6 Responsible Lending in the UK: What Role Does the State Play?; 7 Consumer Protection Problems Created by the Structure of English Personal Insolvency Law
Part III Germany8 The Statistic of Over-Indebtedness of the Federal Statistical Officeof Germany (Destatis); 9 Consumer Over-Indebtedness in Europe and Germany: Considering Micro- and Macro Dimensions from a Lender's Perspective; 10 Insufficient Prevention of Over-Indebtedness -- Legal and Policy Failures; 11 An Analysis of the German Legal Framework and the (Limited)Influence of EU Law; Part IV Greece; 12 The Dimensions of the Crisis and the Response of Greek Private Law- A General Overview
13 (Failure to Set up an Efficient) Out-of-Court System to Deal with Debtors in Financial Distress in Greece14 The Greek Regulatory Framework on Responsible Lending; 15 Key Elements of the Greek Legal Framework on Insolvency of Natural Persons; 16 Private Insolvency Legislation and the Protection of the Principal Residence; Part V Italy; 17 The Dimension of Over-Indebtedness in Italy and the Characteristics of the Over-Indebted Households; 18 The Italian Banking System, Consumer Credit and the FinancialCrisis: Economic Perspectives
19 Consumer Over-Indebtedness in Italy: The Role of Consumer Organisations to Prevent and Repair Over-Indebtedness20 Consumer Over-Indebtedness and Interference with Credit Contracts:An Italian Perspective; 21 The Italian Law against Over-Indebtedness: Fresh Start, Debt Adviceand Financial Education
