Schuldconsolidatie

The external links I found seem good and reliable for the Dutch context.

1. History: https://kasboekjevannederland.nl/artikel/consumentenkrediet (Kasboekje van Nederland) - Excellent for historical context of consumer credit in NL.
2. Practical Applications/Statistics: https://www.cbs.nl/nl-nl/longread/artikel/2024/schuldenproblematiek-in-beeld-2024 (CBS - Centraal Bureau voor de Statistiek) - Official statistics on problematic debt.
3. Limitations (Legal/Consumer Protection): https://www.trivvy.nl/nieuws-publicaties/artikel/consumentenkrediet (Trivvy, financial law specialist) - Discusses Wft (Wet op het financieel toezicht) and AFM supervision, which covers consumer protection and avoiding over-crediting.
4. Another relevant source for practical context/guidance: https://www.nvvk.nl/publicaties/nieuws/halvering-saneringsperiode-wat-leert-de-geschiedenis/ (NVVK - Nederlandse Vereniging voor Schuldhulpverlening en Bewindvoering) - Provides historical and practical insight into debt rehabilitation.

All four links are from distinct, trusted domains (kasboekjevannederland.nl, cbs.nl, trivvy.nl, nvvk.nl), appear to be live and readable, and are highly relevant.

Now, I will proceed with writing the article.