Payment plans

About 40% of Dutch households reports problems making ends meet (Nibud, 2018). These households run the risk of arrears. Households with arrears often have debt collectors knocking at their door. At that point, they should be able to agree with their creditors on a realistic payment plan. A responsible debt collection policy is also an important part of the Broad debt policy. However, there are indications that creditors do not by default offer realistic payment plans.


The research group Debt and collection of the University of Applied Sciences Utrecht, Panteia and the National Organisation for Social Councillors were commissioned by the Dutch organization WODC to identify factors that drive private sector creditors to agree on payment plans. 


This study does recommendations on:

  • the promotion of payment plans in the private sector and;
  • how the Dutch law and policy makers can promote the formation of payment plans. 


01 December 2019 - 30 June 2020


The study provides insights from different perspectives, namely of creditors (desk research and interviews with the most important creditors), professionals working with people in debt (observational data and interviews with social councillors) and the judiciary (jurisdiction and interviews with judges). 



This study gives policy makers insight into ways to promote the formation of payment plans. Educators and professionals gain insight into factors that influence the formation of payment plans. 

HU researchers involved in the research

Related research groups

Collaboration with knowledge partners

We conducted this research in collaboration with Panteia and the National Organization of Social Counselors.

Would you like to collaborate or do you have any questions?

Susanne Tonnon | Senior Researcher | Debt and Debt Collection

Susanne Tonnon

  • Researcher
  • Research group: Debt and Debt Collection