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Estimates show that at least 20 million people are over-indebted in Europe. According to EU SILC Portugal ranks 2nd, Italy and Spain 6th and Greece 9th for arrears in the household in Europe and, respectively, 1st, 3dt, 4th and 5th in the EU GINI Index. On the other hand, those countries have not yet developed significant strategies and tools for the prevention of over-indebtedness, for ex. all co ...