Samenvatting

There are more citizens with unpayable debts than ever. And yet professionals in debt services often do not know how they can best, and most rapidly, get these families back on track.
The impact of financial problems is great: lengthier use of benefit payments, a higher sickness absence rate at work, worse relationships with family and friends, increasing psychological and physical complaints and a greater chance of recidivism in the event of criminality. Through paying off debts, not only is the wellbeing of the debtor promoted, but society too is spared the
future costs. Knowledge and insight into the working of the brain make it possible to develop better, more effective approaches.