Protecting consumers against abusive debt recovery practices: lessons from Germany and the Baltic States

The seminar “Abusive debt recovery practices: lessons from the Baltic States and Germany” will be held in the University of Tartu, School of Law (Tallinn, Kaarli pst 3, Estonia) on 19th September 2024. 

The participants of the project will gather comparative knowledge on the debt recovery practices in Germany and Baltics and discuss solutions that are available (or missing) in respective jurisdictions. Among others, it is analysed how unfair commercial practices and data protection rules can be utilized to protect consumers against abusive debt collectors. 


10.30 - 10.40Welcome
10.40 - 11.00Consumers and debt recovery in Estonia: an introduction
 Karin Sein, University of Tartu
11.00 - 11.20Debt recovery in Estonia - business perspective
 Merle Laurimäe, OÜ Julianus Inkasso
11.20 - 11.40         Personal Data Protection Act § 10 and the main problems regarding payment default complaints in the Estonian Data Protection Inspectorate
 Grete Liis Kalev, Estonian Data Protection Inspectorate
11.40 - 12.00Examples of unfair commercial practices by Estonian debt collection agencies and possible legislative solutions
 Anastassia Nõmmik, Estonian Ministry of Finance
12.00 - 12.30Discussion
12.30 - 13.30Lunch
13.30 - 13.50Debt Recovery Practices and Consumer Protection in Latvia
 Vadim Mantrovs, University of Latvia
13.50 - 14.10Unfair Debt Recovery Practices in Latvia
 Zanda Dāvida, University of Latvia
14.10 - 14.30Unfair Debt Recovery Practices and Lithuanian law
 Laurynas Didžiulis, University of Vilnius
15.00 - 15.20Coffee break
15.20 - 15.45Debt collection in Germany between public law regulation, consumer protection, unfair commercial practices and data protection law
 Peter Rott, University of Oldenburg
15.45 - 16.45Workshop/discussion: what could we learn from each other?
16.45 - 17.00Conclusions
 Karin Sein, University of Tartu and Peter Rott, University of Oldenburg
17.00End of seminar

Seating is limited. Registration is open until 10th September 2024.

Register here 


Tarbijate kaitse kuritarvituste eest võlgade sissenõudmisel: Balti riikide ja Saksamaa õppetunnid




This project of the Baltic-German University Liaison Office is supported by the German Academic Exchange Service (DAAD) with funds from the Foreign Office of the Federal Republic Germany.