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

Total Cost €


EC-Contrib. €






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

Project "ECHO" data sheet

The following table provides information about the project.


Organization address
address: NORREGADE 10
postcode: 1165

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


Take a look of project's partnership.

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


 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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