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ECHO SIGNED

Harmonization of Regulation of Abusive Non-Judicial Debt Collection in the European Union: Models, Benefits and Challenges

Total Cost €

0

EC-Contrib. €

0

Partnership

0

Views

0

 ECHO project word cloud

Explore the words cloud of the ECHO project. It provides you a very rough idea of what is the project "ECHO" about.

exists    procedural    usa    debtor    tackling    gap    administrative    secondly    form    benefits    employed    fair    first    economic    remedies    regulation    serious    creditor    liability    legislation    suitable    sometimes    infringing    solving    commercial    police    similarities    documents    sectoral    recovery    judicial    generally    enterprises    fine    officers    appropriateness    njdc    rampant    words    harmonization    echo    explore    base    concerning    regulated    differences    improvement    civil    sourcebook    sheriffs    damages    act    ones    issue    national    privacy    health    safety    nature    close    reference    debt    dignity    few    phenomenon    analyze    guarantees    involve    judiciary    acknowledged    criminal    uk    small    thirdly    fines    collection    medium    absence    practices    non    grained    bailiffs    policy    frame    rights    models    private    credit    designates    fill    refers    regarding    enforcement    abusive    agents   

Project "ECHO" data sheet

The following table provides information about the project.

Coordinator
KOBENHAVNS UNIVERSITET 

Organization address
address: NORREGADE 10
city: KOBENHAVN
postcode: 1165
website: www.ku.dk

contact info
title: n.a.
name: n.a.
surname: n.a.
function: n.a.
email: n.a.
telephone: n.a.
fax: n.a.

 Coordinator Country Denmark [DK]
 Total cost 212˙194 €
 EC max contribution 212˙194 € (100%)
 Programme 1. H2020-EU.1.3.2. (Nurturing excellence by means of cross-border and cross-sector mobility)
 Code Call H2020-MSCA-IF-2017
 Funding Scheme MSCA-IF-EF-ST
 Starting year 2019
 Duration (year-month-day) from 2019-09-01   to  2021-08-31

 Partnership

Take a look of project's partnership.

# participants  country  role  EC contrib. [€] 
1    KOBENHAVNS UNIVERSITET DK (KOBENHAVN) coordinator 212˙194.00

Map

 Project objective

Non-judicial debt-collection (NJDC) designates all methods employed by a creditor for debt recovery that do not involve the judiciary or other state agents (bailiffs, sheriffs, or police officers). In other words, it is a form of private enforcement. It is a phenomenon acknowledged by various legal documents (the Draft Common Frame of Reference, the Fair Debt Collection Practices Act in the USA or the Consumer Credit Sourcebook in the UK). NJDC methods are rampant in practice today in all EU legal systems, yet they are regulated only by few of them. Due to the absence of due process and other procedural guarantees generally offered by judicial enforcement, NJDC is sometimes abusive in nature. Abusive NJDC refers to debt collection practices infringing the consumer- and commercial debtor (in particular small medium enterprises)'s rights to privacy, dignity, safety and health as well as economic and other legal rights. The overall aim of ECHO is to fill in a serious gap in legal knowledge regarding NJDC and contribute to the improvement of the legal base and regulation of these practices across Europe. Through a close and fine-grained comparative analysis, ECHO will first assess the role and appropriateness of current EU legislation in tackling the issue of abusive NJDC. Secondly, it will analyze sectoral national legislation of EU member states (where it exists) and identify policy aims, similarities and differences of various models concerning regulation of abusive NJDC, in order to identify (or propose) the most suitable ones. Thirdly, it will assess the role of traditional liability remedies – civil, administrative, or criminal enforcement, level of fines and damages – in solving the issue of abusive NJDC across the EU. Finally, it will explore models to identify the benefits and challenges of harmonization of legislation concerning abusive NJDC at EU level (compared to national regulation).

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The information about "ECHO" are provided by the European Opendata Portal: CORDIS opendata.

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