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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.

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

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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