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It often happens that during the life of an instalment contract, the early termination must be addressed. In particular, due to the default of user, several controversies may emerge in the absence of a specific doctrine, as it happens in the Italian legislation (see, e.g., Hull, 1982; Lease et al., 1990). In this paper, some of the most critical contractual issues arising in the Italian legislative context are considered that turn out to be on the border between law and financial calculus and that may, in certain ...