Frontmatter -- Preface -- Contents in Brief -- Contents -- General Introduction -- European Declaration for Social Consumer Rights -- Volume I: Social Banking and New Poverty -- Part I: Economic Development and Private Indebtedness -- Chapter 1. Social Banking and New Poverty - Towards a New Approach in Law and Economics -- Chapter 2. Towards a Progressive Market -- Chapter 3. Economics and social problems -- Chapter 4. Consumer Credit and Human Capital in Germany -- Chapter 5. Credit, Debt and Financial Control in Great Britain -- Chapter 6. Financial Services - Who Will Gain from the Single Market? -- Part II: New Technologies and Consumer Debts -- Chapter 7. Credit Cards, New Technology and Consumer Debt -- Chapter 8. Indebtedness by Credit Cards in the Federal Republic of Germany? -- Chapter 9. Credit Card Mania in America -- Part III: Trade Unions, Consumer Unions and the Poor -- Chapter 10. Whose Agenda? Whose Resources? Whose Initiative? -- Chapter 11. Trade-Unions, Unemployment and the Unemployed in Germany -- Chapter 12. Consumer Organizations and the Struggle Against Poverty - The Example of Konsumenten Kontakt in the Netherlands -- Chapter 13. Credit for Poor People - Abolishing or Solving the Problem? -- Part IV: Ethical Banking - New Forms of a Social Market Economy -- Chapter 14. Ethical Banking -- Chapter 15. Alternative Banking and Ethical Investment -- Chapter 16. Bright Ideas and Empty Pockets: Overview of Development Banking in the UK -- Chapter 17. Shorebank Corporation: A Private Sector Banking Initiative to Renew Distressed Communities -- Chapter 18. The Mondragon Bank and the Cooperative Movement in Euskadia -- Chapter 19. Socially Directed Investment - And its Potential Role in Local Development -- Part V. Social Discrimination and Over-Indebtedness -- Chapter 20. Changing Labour Market Structures and Over-Indebtedness -- Chapter 21. Indebtedness of Offenders -- Chapter 22. Divorce and Consumer Debts in Germany: The Unequal Allocation of Risks Between Women and Men -- Part VI: Housing Debts -- Chapter 23. Introduction -- Chapter 24. Mortgage Loans: Some Consumer Concerns -- Chapter 25. Buyers of Residential Property - Their Situation in the Province of Grande-Synthe -- Chapter 26. Distressed Constructional Financing -- Chapter 27. Mortgage Debt in the United Kingdom -- Part VII: Personal Bankruptcy -- Chapter 28. Personal Bankruptcy in America -- Chapter 29. Discharge for Bankrupt Individuals under the German Bankruptcy Law Reform -- Chapter 30. Prospects for Statutory Consumer Debts Arrangement in the Netherlands -- Volume II: Overdebtedness, Unemployment and Policy Responses - National Reports -- Chapter 31. The Social Costs of Europe - General Report on Consumer Debts in Europe -- Chapter 32. Debts and Depression - A Survey of Austrian Debtors and the Unemployed -- Chapter 33. Consumer Credit in Belgium - Old Laws and New Problems -- Chapter 34. Unemployment, Debt and the Legal Principle of 'Social Force Majeure' in Finland -- Chapter 35. Minimum Wages, Rate Ceilings and Social Solidarity against Poverty - Unemployment and Consumer Debts in France -- Chapter 36. The Private Debt Crisis in a Prosperous Environment: Germany -- Chapter 37. Private and Public Concerns - Unemployment, Credit and Debt in Britain: An Overview -- Chapter 38. From Savings to Credit - Unemployment and Consumer Debts in Italy -- Chapter 39. Careful Lenders and Social Security - Trends in Unemployment, Consumer Credit and Debt in the Netherlands -- Chapter 40. Legal Protection for the Overindebted and Unemployed in Norway -- Chapter 41. Poverty and Debts - The Situation of Welfare Recipients and Debtors in Default in Sweden -- Chapter 42. 'Good' and 'Bad' Debts - Debtors' Protection and Pressure for Reform in Switzerland -- Chapter 43. Consumer Credit Protection for Low Risk Consumers in a Free Market Economy - The US-Consumer Credit Protection Law -- Bibliography -- Addresses of Associations and Institutions which Support Socia
