The interaction between the mechanisms that build the architecture of the credit consumer protection system (consumer insolvency, datio in solutum, and alternative dispute resolution for consumer disputes, for now) generates problems of normative convergence and competition, in what concerns consumer’s access to the procedure, and especially to the benefit of residual debt discharge, an essential point for the effectiveness of the instruments...

The study analyzes the relocation of the relationship bank – consumer following the recent legislative initiatives regarding the protection of the credit consumer and discusses the convergence or the competition of these new normative solutions, concluding that they have to be promoted with professionalism and responsibility, taking into account the economic and legal impact.

The study analyzes the new institution of datio in solutum of the immovable properties in order to settle the obligations through loans, in terms of its legal nature, seeking to know whether it can be placed into a pattern already known from the theory of civil obligations or if it exceeds these patterns. Datio in solutum of Law. 77/2016 is compared with the datio in solutum of the Civil Code, with the objective novation by change of ...

The study analyzes the new legal instrument of datio in solutum in terms of the extent to which it subsumes the regulatory framework existing in the matter of mortgages, on taking over the mortgaged movable good on the receivable account, presenting “in mirror” this similar mechanism and convergence, respectively divergence between the two institutions.

The study analyzes the recent legal act regarding the consumer protection in relation to professionals, with particular application to the relationship bank – consumer and to the efficiency of the and alternative dispute resolution mechanism between them in terms of its aptitude to be an effective remedy for the consumer credit indebtedness. ...

Two important mechanisms of the architecture of consumer protection systemsimultaneously start in Romania: consumer insolvency and alternative disputeresolution for consumer disputes. This study is a comparative critical analysisregarding consumer’s access to these procedures, an essential point for theeffectiveness of the instruments for consumer protection.

The paper approaches the issue of conceptualizing credit consumer overindebtedness, from the perspective of the over-indebtedness defining elements, of the over-indebtedness measurement models and of the causes of this patrimonial situation. The paper argues the idea of equivocality of the concept of consumer over-indebtedness, underlines the difficulty of adopting a set of criteria for measuring the indebtedness and highlights the complex cau...