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…
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…
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…
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…
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…
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,…
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…