The debtors’ ombudsman has a main goal of providing assistance for individuals facing serious payment difficulties with the aim of obtaining a comprehensive overview of their finances and to seek solutions. The agency has three main tools to reach that goal, basic financial consultancy which can entail acting as intermediary, guided by debtors’ interests, in communicating and negotiating with creditors. Provide debt mitigation and assisting people to pay collateral security for expenses related to bankruptcy proceedings.