@article{Holzhaeuser2004,
  author    = {Markus Holzh{\"a}user},
  title     = {Management of distressed consumer loans},
  journal   = {EFL quarterly : an E-Finance Lab publication},
  volume    = {2004},
  number    = {3},
  pages     = {4 -- 5},
  year      = {2004},
}