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…

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Czech Republic

In the Czech republic accreditation system for local not-for-profit organisations one can find a directory of all services offering an insolvency advice ( Almost all of them…

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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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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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