Denmark
In Denmark free debt advice is provided mainly by NGO’s and some municipalities. Generally, the NGOs provide debt advice on any debt a debtor may have whereas…
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March 28, 2023
Germany
Germany is a federal republic with 16 federal states and 84,3 million inhabitants. 6 millions of them (~8,5%) are over-indebted, that means they are not able to…
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March 8, 2023
Netherlands
Debt advice in the Netherlands is legally a task for the local municipalities. The local council must establish a plan for integral debt help for the citizens…
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February 16, 2023
Greece
In Greece, debt related advice is provided by stakeholders of both the private and the public sector. However, the lack of a certain and specialized legal framework…
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February 16, 2023
Ireland
Addressing Personal Debt in Ireland The State-funded Money Advice and Budgeting Service (MABS) is the main source of free, independent advice and support for citizens experiencing over-indebtedness…
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February 15, 2023
Malta
A Eurofound research report states 2020 that Malta has a particularly weak tradition of debt advice and that like in Bulgaria, Hungary, Cyprus, in Malta close to…
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February 15, 2023
Spain
According to Article 51 of the Constitution of Spain, the public powers will guarantee the defense of consumers and users, through effective procedures, and protecting their safety,…
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February 8, 2023
Cyprus
Very few to none free debt advice services are available to citizens. The Cyprus Consumer Association (CCA) is a non-governmental non-profit organisation which is mainly supported by…
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February 8, 2023
Croatia
Until 2018, several counseling centers were active at the state level under the auspices of consumer protection associations funded by the Ministry of Economy. Counseling centers had,…
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February 4, 2023
France
Debt counseling in France has traditionally been carried out by social workers (set up by the State - e.g. communal social action centres - or by companies…
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February 4, 2023