Research Group Debt and Debt Collection
People who have debts are often embroiled in a complex situation. In order to really help them, specific knowledge and skills are a necessity. In the interest of further developing professional practice, the Research group Debt and Debt Collection conducts research in collaboration with debt counselling organisations and collection agencies.
Lines of research within the research group
Everyone should be able to participate in society. Debts form an obstacle to peoples’ ability to participate in the labour market, social life and other activities. The fewer people with debt, the better.
This line of research focuses on the prevention of debt. Our aim is to determine which preventive measures are most successful in preventing debt and to develop new methods for prevention and early detection.
Financial problems affect how we function in daily life. Persistent concerns about money preoccupy and paralyse peoples’ minds. They tend to live day by day, have difficulty taking action or struggle to regulate their emotions and desires.
In order to properly help such people, it is extremely important that organisations that provides debt relief services are sensitive to such stress factors. With this type of service provision, attention needs to be given to the disruptive effect of persistent stress. This will facilitate people in reaching their goals quicker. The research group takes a broad approach in the study of these stress-sensitive services.
Debts can be confounded and worsened by complicated regulations. Both debtors and social workers have to deal with complex laws and regulations. What exactly do the legal frameworks look like? And what effects do they have on the practice of debt counselling?
This is the central theme of this line of research. Our research is concerned with the effect of legislation on the approach to tackling debt and debt collection. Together with the Amsterdam University of Applied Sciences (HvA), we compiled a report that exposes the legal bottlenecks in the approach to tackling debt.
What are the necessary knowledge and skills that a debt counselling professional needs to acquire to have a real impact through their work? In this line of research, we take a close look at craftsmanship within the field of debt and debt collection.
With the insights derived from our research, both current and future HPE professionals will be able to work on their professional development.
A study to identify factors that drive private sector creditors to agree on payment plans.
Better (legal) assistance with multi-problem situations
The aim of this research project is to improve the services that ‘Het Juridisch Loket’ (HJL) offers to clients in multi-problem situations.
Mea culpa The complexity of financial problems among probation clients
215/5000 The aim of this research is to gain insight into the relationship between financial problems and crime behaviour and to develop tools for probation officers to assist clients with financial problems.
The Research group Debt and Debt Collection strives to substantiate higher professional education in the field of debt in various ways. We contribute to the development of modules and lessons, provide training to lecturers and design teaching materials. We also work together with other universities of applied sciences.
“In recent years, there has been this idea that counsellors should be patient and wait things out. Fortunately, debt counselling is increasingly coming to the realisation that this does not work. One must begin by offering concrete assistance. Only then will people begin to take matters into their own hands.”Tamara Madern at ZonMW.nl Professor of Debt and Debt Collection
The research group works closely with professional practice. For our research projects, we collaborate with, among others: Branchevereniging voor schuldhulpverlening en sociaal bankieren (The Association for debt counselling and social banking, NVVK), Royal Professional Organization of Judicial Officers in The Netherlands (KBvG), Kennisplatform Utrecht Sociaal, Nationaal Instituut Budgetvoorlichting (The National Institute for Budget Information) (Nibud), Municipalities and municipal organisations such as Utrecht, Werk and Inkomen Lekstroom, Avres, Drechtsteden, Zwolle and Divosa.