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Authors
Stănescu, Cătălin-Gabriel
Kepinski, Jakub
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Funding
Funding for this research was provided by:
University of Southern Denmark
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Article History
Received: 27 September 2024
Accepted: 15 May 2025
First Online: 3 June 2025
Declarations
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: No formal ethical approval was required. All data used in this article are publicly available or provided by institutional representatives. Mr. Claus Spedtsberg, Director of the Danish Debt Collection Association, explicitly authorized using his written statements in this study. Consent to participate is not applicable as participation in the survey was institutional and purely voluntary.
: The authors declare no competing interests.
