To fight Over-indebtedness, we need knowledge about both problems and solutions! All research is important for us to ensure that we have all available knowledge and thus ensuring that everything we do and recommend is based on undisputed facts. The ECDN does not itself publish any reports, but many of our member organisations do publish reports detailing the state of debt, debt advice and creditor practice across Europe. We publish these reports here to give you all easy access to important knowledge regarding debt across Europe.
Below you can find research articles / reports made by our own members and other people in the field.
2024
- M. FSADNI & Associates, Market Research Consultants – A Study on Adult Financial Literacy in Malta, March 2024, MINISTRY FOR SOCIAL POLICY & CHILDREN’S RIGHTS
- OECD (2024), Financial literacy in Germany: Supporting financial resilience and well-being, OECD Business and Finance Policy Papers
https://doi.org/10.1787/bf84ff64-en - Apan, Rodica Diana, „Debt Counseling from the Directive No. 2023/2225 on Credit Agreements for Consumers and Perspectives for Transposition”, Perspectives of Law and Public Administration 13, no. 2 (June 2024): 310-318.
https://adjuris.ro/revista/articole/An13nr2/13.pdf - National Center for Social Research (2024). Evaluation of the Credit
Card Ban for Gambling in Great Britain.
https://natcen.ac.uk/publications/evaluation-credit-card-ban
2023
- E. Dehon (économiste), V. Sautier (juriste), S. Thibaut (juriste) – Le crédit à la consommation en Belgique: analyse économique et juridique, Octobre 2023 – Observatoire du Crédit et de l’Endettement (OCE)
- Debt Advice in Austria – Facts & Figures – Schuldenberatung
- Buy now. Pay later. SCHUFA-Risiko-und-Kredit-Kompass-2023
- Ryszard Kowalski, Agnieszka Strzelecka, Agnieszka Wałęga, Grzegorz Wałęga (2023). Do Children Matter to the Household Debt Burden? Journal of Family and Economic Issues
- Personal Finance Research Centre, University of Bristol. The Financial Wellbeing of Disabled People in the UK.
- Institut für Finanzdienstleistungen, iff-Überschuldungsreport 2023. Überschuldung in Deutschland
- PhD. Rodica Diana Apan, 2023 – 5 Years with the Insolvency Law for Individuals in Romania
- Dr. Sally Peters, Dr. Hanne Roggemann, Christian Stephan, 2023 – Wer nutzt Schuldnerberatung und wer nicht? Eine explorative Studie zur (Nicht-) Nutzung von Schuldnerberatung
- Dr. Stuart Stamp, Paul Joyce, Gwen Harris, 2023 – Toward Good Practice: A Review of Money Advice Services and Debt Management Systems in Ireland, the United Kingdom, France and Germany
- Jamie Evans, Sharon Collard, Ellen Fruijtier, Hayley Dawson, Luis Campos Ferreira, Eric Harris, University of Bristol, 2023 – The financial wellbeing of disabled people in the UK
- Michelle O’Hara, Regional Manager, South Leinster MABS – Ireland’s Mortgage Market, December 2023
- Apan, Rodica Diana, „Vulnerables and Vulnerabilities Face to Face with Overindebtedness”, Journal of Law and Public Administration, Volume IX, Issue 18/2023
https://sjea-dj.spiruharet.ro/images/secretariat/sjdea-2016/JoLPA_VolumeIX_Issue_18_2023.pdf - Callegari, J., Liedgren, P., & Kullberg, C. (2023). Between
self-determination and advice: Sense-making and justifications in
Swedish budget and debt counselling. The British Journal of Social Work,
53(2), 882–899.
https://doi.org/10.1093/bjsw/bcac162
2022
- Amie Lajoie, Joe Nevin – 2022 Report by the Money Advice and Budgeting Service (MABS) – Money Attitudes and Behaviours of Young People living in Ireland: Findings of the Money Matters Financial Education Survey
- E. Dehon (économiste) et C. Jeanmart (sociologue), décembre 2022 – Où-sont-les-surendettés – Analyse du faible recours à la médiation de dettes amiable ou judiciaire en période de crise en Belgique
- Hélène Ducourant, Université Gustave Eiffel, LATTS CNRS, Alin Karabel, 2022 – Dettes de détenus. Un état des lieux
- VVA: Frithjof Michaelsen, Jelena Vitić, Laetitia Aumont, ConPolicy: Christian Thorun, Sara Elisa Kettner, 2022 – Study to identify initiatives to provide local advice to consumers
- Dr. Dieter Korczak, Dr. Sally Peters, 2022 – Neue Zahlungsmethoden und ihre Bedeutung für die Schuldnerberatung
- Dr. Dieter Korczak, 2022, Ursachen der Verbraucherverschuldung
- Diletta Antenucci, Gioia Caldarelli, Il debt advice per il consumatore: natura, dibattito europeo e implicazioni per l’Italia, Questioni di Economia e Finanza, Bank of Italy, No. 740
- Eurofound. The cost-of-living crisis and energy poverty in the EU
- Sarah Davies, Jamie Evans, Sharon Collard. Exploring the links between gambling and problem debts.
- Esposito, Fabrizio and Grochowski, Mateusz, The Consumer Benchmark, Vulnerability, and the Contract Terms Transparency: A Plea for Reconsideration. European Review of Contract Law (ERCL), Vol. 18, No. 1, pp. 1-31, April 2022, DOI: 10.1515/ercl-2022-2035, Max Planck Private Law Research Paper No. 22/11, Available at SSRN: https://ssrn.com/abstract=4109474
- Callegari, J., Liedgren, P., & Kullberg, C. (2022). The making of the
indebted wo/man: gendered constructions of fiscal identities and
help-giving technologies in Swedish budget and debt counselling. Nordic
Social Work Research, 12(1), 122–142.
https://doi.org/10.1080/2156857X.2020.1786713
2021
- Piotr Bialowolski, Dorota Weziak‑Bialowolska, Eileen McNeely – The Role of Financial Fragility and Financial Control for Well‑Being, 2021 https://doi.org/10.1007/s11205-021-02627-5
- Dieter Korczak, Sally Peters, Hanne Roggemann, 2021 – Private Überschuldung in Deutschland – Auswirkungen der Corona- Pandemie und die Zukunft der Schuldnerberatung
- Fotis Kourmousis, Ministry of Finance, Special Secretariat for Private Debt Management, 2021 – Private Debt in Greece Challenges and Solutions
- Dr. Sally Peters, institut für finanz- dienstleistungen (iff) e.V., 2021, Überschuldungsforschung als Beitrag zur Professionalisierung
- Edina Berlinger, Katalin Dobránszky-Bartus and György Molnár. 2021. Overdue Debts and Financial Exclusion. Risks 9: 158
2020
- Dubois, Hans et al (2020) “Adressing household over-indebtedness”, Eurofound
- Danish Agency for Labor Market and recruitment (STAR) 2020: Final
evaluation money advice (Slutevaluering Geldsradgivning) - Richard Ahlström, Tommy Gärling, John Thøgersen – 2020 – Affluence and unsustainable consumption levels: The role of consumer credit
- Anders Hakansson, Carolina Widinghoff. Over-Indebtedness and Problem Gambling in a General Population Sample of Online Gamblers.
- Victor Bastante Granell, Maria Angustias Martos. Sobreendeutamiento Y Protección de los Consumidores.
- Eric E. Elbogen et al. (2020). Financial Strain and Suicide Attempts in
a Nationally Representative Sample of US Adults.
https://pubmed.ncbi.nlm.nih.gov/32696055/ - Callegari, J., Liedgren, P., & Kullberg, C. (2020) Gendered debt: A
scoping study review of research on debt acquisition and management in
single and couple households. European Journal of Social Work, 23(5),
742–754.
https://doi.org/10.1080/13691457.2019.1567467
2019
- C. Jeanmart, sociologue et E. McGahan, économiste – COVID-19, RECTO-VERSO: DES «GAGNANTS» ET DES «PERDANTS» – Analyse de 4 thématiques : le budget des ménages, les entreprises, le marché de l’emploi et le marché immobilier, (juin 2021)
- Beata Swiecka, Aleksandra Grzesiuk, Dieter Korczak, Olga Wyszkowska-Kaniewska, Financial Literacy and Financial Education. Theory and Survey. De Gruyter Oldenbourg: Berlin/Boston 2019
- Boyle, Melissa (2019) “An examination of the Debt Relief Notice and its effectiveness in improving the financial well-being of over-indebted individuals”
- Holmgren, R., Sundström, E. N., Levinsson, H., & Ahlström, R. (2019). Coping and financial strain as predictors of mental illness in over- indebted individuals in Sweden. Scandinavian Journal of Psychology, 60, 50–58.
- Kranewitter et al (2019) “Schulden report”, ASB Schuldnerberatung GmbH (in German)
- Løper, Sebastian J. (2019) “Client report 2017”, The Social Legal Aid
- Løper, Sebastian J. (2019) “Client report 2018”, The Social Legal Aid
- Union of Working Consumers of Greece – Household Overindebteness Management – Staistical Results Study 2009 – 2019
2018
2017
2016
2015
2014
- GP Forschungsgruppe/ ULD Schleswig-Holstein, Scoring nach der Datenschutznovelle 2009 und neue Entwicklungen, Kiel, München 2014
2013
- Alleweldt et al (2013) “The over-indebtedness of European households – updated mapping of the situation, nature and causes, effects and initiatives for alleviating its impact – part 1”
- Alleweldt et al (2013) “The over-indebtedness of European households – updated mapping of the situation, nature and causes, effects and initiatives for alleviating its impact – part 2”
- McCarthy, Lane & Byrne (2013) “CORK MABS STUDY Clients’ Experiences, Opinions and Satisfaction Levels”
2011
2010
- Dr. Dieter Korczak, Münchner Schuldenprävention für Kinder und Jugendliche. Evaluationsergebnisse aus fünf Jahren wissenschaftlicher Begleitforschung des Präventionsprojektes Cashless. München 2010
- Angel, S., & Heitzmann, K. (2010). Auslöser, Verläufe und Auswirkungen von Überschuldung in Privathaushalten. Ergebnisse einer sekundärstatistischen Quer- und Längsschnittanalyse des Europäischen Haushaltspanels (ECHP) für Österreich. Institut für Sozialpolitik, WU Vienna University of Economics and Business. Forschungsberichte / Institut für Sozialpolitik No. 01/2010
- L’Observatoire du Crédit et de l’Endettement, Regional and local treatment, prevention and assessment of over-indebtedness. European Conference Report. Namur
2006
- Dr. Dieter Korczak, Amnesty of Debts: Amicable agreement and statutory solution Synthesis Report. Peer Review in the field of social inclusion policies, The Netherlands 2006
2005
2004
- Dr. Dieter Korczak, the Money Advice and Budgeting Service Ireland (MABS). A service to help people with financial problems and to tackle over-indebtedness. Synthesis Report. Peer Review in the field of social inclusion policies. Irland 2004
- Dr. Dieter Korczak, Le Money Advice and Budgeting Service Ireland (MABS). Un service d’aide aux personnes avec des problèmes financiers et de lutte contre le surendettement. Rapport de synthèse. Peer Review in the field of social inclusion policies. Irland 2004
2001
- Dr. Dieter Korczak, Überschuldung in Deutschland zwischen 1988 und 1999. Schriftenreihe Band 198. Bundesministerium für Familie, Senioren, Frauen und Jugend, Stuttgart 2001
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