Unemployment risk and over-indebtedness : a micro-econometric perspective / Philip Du Caju (National Bank of Belgium), François Rycx (Université Libre de Bruxelles (SBS-EM, CEB and DULBEA) and IZA), Ilan Tojerow (Université Libre de Bruxelles (SBS-EM, CEB and DULBEA) and IZA)