Norway
The main debt counseling service in Norway is located at the municipal level, with each local municipality having debt advisors available. Municipal debt counseling is a free…
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January 28, 2023
Finland
In Finland, financial and debt counseling is offered mainly by the following governmental and non-governmental organization. Services are nationwide and free of charge. National Public Authority for…
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January 28, 2023
Czech Republic
In the Czech republic accreditation system for local not-for-profit organisations one can find a directory of all services offering an insolvency advice (https://sako.justice.cz/). Almost all of them…
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January 28, 2023
Belgium
In Belgium, debt advice is provided by municipalities, NGOs and lawyers. It is regulated nationally and it is financed predominantly by the Energy Fund (consumers’ energy bill…
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January 17, 2023
Luxembourg
DEBT ADVICE IN LUXEMBOURG Ligue médico-sociale offers spezialised debt advice since July 1993 through the Service d'information et de conseil en matière de surendettement (SICS), an overindebtedness…
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January 17, 2023
Romania
At the national level, the status of debt advice is as follows:(i) Under Regulation 21/1992 on consumer protection, consumer associations can be established as NGO`s. Consumer associations…
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January 17, 2023
Sweden
Budget and debt counselling Every municipality in Sweden shall provide budget and debt counselling to people in debt according to the Social Services Act [Socialtjänstlagen] Chapter 5,…
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January 17, 2023
Portugal
Portugal With regard to public provision and that of non-profit organisations, debt counselling in Portugal remains a fragmented and limited system. According to the type of intervention…
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January 10, 2023