Research group Debt and Debt Collection

This research group seeks to contribute to an effective, efficient and professional practice regarding debt assistance and debt collection. By carrying out a number of research projects, the group contributes to development of the curriculum offered at HU University of Applied Sciences Utrecht, as well as directly to professional practice. The research group has the ambition to create a (substantive) connection between the fields of debt assistance and debt collection.

Professionals working in the field of debt assistance and debt collection struggle with a range of questions. The research group studies these questions on behalf of actors from the professional field. As part of this process the research team also provides the professional field with a means to reflect on the choices being made, as well as on important current developments. 

The research group aims to achieve the above ambitions focused on professionalization, efficiency and prudent legislation.


In the case of professionalization, the following questions are relevant: what works for which customer in which way(s), under what circumstances and why? There are no straightforward answers to these questions, whether one is dealing with debt assistance or debt collection. The research group therefore conducts research into effective forms of intervention (what works?) and into the role of the professional (who works). In this way, the group wants to encourage professionals to make choices based on (scientific) knowledge rather than on intuition.


Understanding the (economic) efficacy of interventions is becoming increasingly important. The group therefore conducts research that provides insight into the efficacy of debt restructuring and debt collection. This continues previously research on the benefits of early detection (Jungmann, et al., 2011), debt assistance (Jungmann, et al., 2011) and the use of voluntary workers within debt assistance (Kruis, et al., 2011). 

Prudent legislation

The research group also examines the frameworks in which debt assistance and debt collection are carried out. How are they functioning in practice? Specific attention is given to examining the role of privacy legislation regarding, among other things, early detection and the development of (special) authorizations to collect payment. The (policy) choices of municipalities and creditors are also examined. This applies to the functioning of the various legal frameworks that are relevant for implementing debt assistance and debt collection.

Research group website


Visiting adress:
Padualaan 101
3584 CH Utrecht
Postal adress:
Postbus 85397
3508 AJ Utrecht
Phone: 088 481 12 84