Debtors Protection and Enforcement Efficiency According to Finnish Law
covid-19, Over-indebtedness, Enforcement, protection of debtors, artificial arrangements, fraudulent debtors, efficient enforcement, rehabilitation of debtors
Human rights/ human considerations have started to carry more weight nowadays, especially in enforcement matters. Both rehabilitative and social aims in legal matters have been strengthened during recent decades. At the same time, increasingly intensive instruments to handle artificial arrangements and fraudulent debtors have emerged. Thus, the question arises whether the enforcement system embodies a creditor-biased or a debtor-biased framework. The present article debates this question in the context of Finnish legislation, focusing on two perspectives of the Finnish enforcement system: How are debtors protected? How can we ensure that the enforcement is efficient?