Belgium

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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Luxembourg

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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Legge3 – Italia

Legge3 is the largest Italian organization specialized in helping people get out of debt, thanks to the procedures of law 3 of 2012. Legge3 works in 75…

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Temida – Bulgaria

Temida is an independent Bulgarian non-profit organisation. They are a multidisciplinary team coming from different backgrounds unified by one shared vision: to increase consumer protection on over-indebtedness…

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IFF Hamburg – Germany

iff is an independent German non-profit organisation which offers scientifically grounded interdisciplinary research, consulting, software, and exchange formats geared to a fair participation in the financial system…

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