@article{Gutiérrez-Nieto:63283,
      author        = "Gutiérrez-Nieto, Begoña and Serrano-Cinca, Carlos and
                       Cuesta González, Marta de la",
      title         = "{A multivariate study of over-indebtedness' causes and
                       consequences}",
      year          = "2017",
}