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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 €

EC-Contrib. €

Partnership

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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.

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

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 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.	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.