Financial and debt counselling
Financial and debt counselling services are intended for private individuals and for self-employed persons and entrepreneurs engaged in small-scale business activities. The services are provided free of charge.
Financial and debt counsellors can assist you in reviewing your overall financial situation, planning your finances and drawing up debt settlement proposals for your creditors. A counsellor may also be present at settlement negotiations conducted with creditors, if you so wish.
Financial and debt counselling services provide assistance in applying for debt adjustment at the district court and in drawing up a payment schedule and other necessary reports and documents.
As of 1 January 2019, financial and debt counselling services are provided by the state legal aid offices. You may turn to any legal aid office irrespective of your municipality of residence. It is also possible to receive counselling as a remote service via video connection.