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…
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…
In the Czech republic accreditation system for local not-for-profit organisations one can find a directory of all services offering an insolvency advice (https://sako.justice.cz/). Almost all of them…
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…
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…
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…