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’…
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…
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…
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…
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…
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.…
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…
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…
Four key facts to understand FACT 1: Bulgaria has a high level of poverty. Still above 30% are at poverty or social exclusion while EU average is around 21,7%…
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…