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 members’…
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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, among…
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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
Iceland
Debt advice in Iceland is provided by Debtors‘ Ombudsman. The agency serves the whole of Iceland and all services provided are free of charge. The Debtors' Ombudsman…
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February 4, 2023
Italy
In Italy, debt advice to families in over-indebtedness is usually offered by lawyers or consumer associations.An important initiative on debt advice is https://progettoriparto.it/ “Project Riparto”, created by…
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February 4, 2023
Slovakia
Slovak government created a network of 46 Free Debt Advisory sites in 2021/2022 with more than 180 employees providing financial, legal, and psychological counselling to overindebted people.…
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February 4, 2023
Poland
In Poland, free debt advice is provided by: Counties (powiaty) – over 1,500 Centers of Free Legal Help (Punkty Nieodpłatnej Pomocy Prawnej); These centers are created to…
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January 28, 2023
Austria
State-approved debt counseling in Austria There are 10 state-approved debt counseling centers in Austria. They are represented in all federal states and work free of charge for…
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January 28, 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