Summary: 1. Starting Points. – 2. Human approach. – 3. Debtor-biased or Creditor-biased System. 4. – Cooperation between Actors. – 5. The Role of Third Parties and Outsiders. – 6. Limitation Periods and Daily-life Protection. – 7. COVID-19 Proection. – 8. Conclusions.
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?