Fi­nan­cial and debt coun­sell­ing

Financial and debt counselling helps you with financial questions, big and small.

Financial matters are a daily part of everyone’s life. Everyday financial management is a lifelong learning process and financial literacy is a skill that you can develop yourself. Being proactive can prevent financial difficulties from arising and deepening. If you are worried about something in your own or a loved one’s finances, you should ask for support right away.

Financial and debt counselling provides

• advice with all kinds of daily financial matters, such as planning your finances and keeping to a budget
• help with questions relating to debt.

A financial and debt counsellor

• sorts out your financial situation with you
• helps you weigh different solutions and make payment agreements
• can advise you how to apply for a restructuring loan and debt adjustment
• acts as an expert and assistant, you make the decisions concerning your finances.

Financial and debt counselling services do not provide financial support or money

Financial and debt counselling services are provided by state legal aid offices free of charge. Counselling is provided by financial and debt advisers and the legal aid secretaries who assist them. The counselling is confidential and the personnel are bound by the non-disclosure obligation.