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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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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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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