Traduction de «Débiteur surendetté » (Français → Anglais) :

Firstly, by correcting the discrepancies in the proposal process in order to foster the rehabilitation of the debtors by regular monitoring to ensure the debtors are informed of the different options allowing them to solve their debt overload problems, while ensuring that the training and information provided during the credit counselling sessions have been offered adequately.

11. Welcomes the proposal for a directive of the European Parliament and the Council of 31 March 2011 (COM(2011)0142) seeking to impose restrictions on credit agreements relating to residential property and hence contain excessive household debt; calls for EU mortgage provisions to incorporate best practices which are as favourable as possible to consumers; urges the inclusion of procedures for the renegotiation and rescheduling of debt repayments for insolvent individuals and families; calls on the Member States to prevent evicted households being forced to keep up their mortgage repayments; calls on the Commission and the Member St ...[+++]ates to take action in response to the social hardship caused to those most affected by the economic crisis and by unemployment and who are being evicted and deprived of their homes; notes that this is occurring against a backdrop of major public assistance initiatives designed to put the financial system back on a sound footing; calls on the Member States to strive to offer alternatives solutions to evictions;

12. Welcomes the proposal for a directive of the European Parliament and the Council of 31 March 2011 (2011/0062) seeking to impose restrictions on credit agreements relating to residential property and hence contain excessive household debt; calls for EU mortgage provisions to incorporate best practices which are as favourable as possible to consumers; urges the inclusion of procedures for the renegotiation and rescheduling of debt repayments for insolvent individuals and families; calls on the Member States to prevent evicted households being forced to keep up their mortgage repayments; calls on the Commission and the Member States ...[+++] to take action in response to the social hardship caused to those most affected by the economic crisis and by unemployment and who are being evicted and deprived of their homes; notes that this is occurring against a backdrop of major public assistance initiatives designed to put the financial system back on a sound footing; calls on the Member States to strive to offer alternatives solutions to evictions;

This acknowledges the reality of a manifestly absurd situation, whereby the creditors insist absolutely on the debtor countries' undertaking to repay debts which is impossible to honour, while simultaneously granting development aid and the implementation of economic reforms. This debt overhang cannot be in the interests either of the debtors or the creditors.