Access for debtors to each of these systems is subject to a number of conditions. The conditions for a Debt Relief Certificate, which is aimed at allowing people to resolve their unmanageable unsecured debt, include that the debtor’s net monthly disposable income after provision for reasonable living expenses must be € or less and that their assets be € or less.
Of course, “Rome was not built in a day”, and likewise the progress of European integration has been a long and gradual process, with many obstacles, detours and setbacks on the way. I do not have time to recall the entire history of European integration from Winston Churchill’s famous Zürich speech to the most recent decisions at the Tampere European Council.