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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.

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

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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