This scoping paper outlines credit counselling and debt management structures in the United States and their effectiveness in improving consumers' financial management status. First, various public and private credit counselling systems are explained with a focus on each institution's roles and...

In Australia, financial hardship caused by over-indebtedness is no longer only experienced by the most vulnerable social group but is now prevalent among the general population. This scoping paper analyses the money advice and debt management system in Australia with emphasis on their...

Regulation fostering Managed Care alternatives in health insurance is spreading. This work reports on an experiment designed to measure the amounts of compensation asked by the Swiss population (in terms of reduced premiums) for Managed-Care type restrictions in the provision of health care. It...