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Financial and debt counselling
People in financial difficulties should take steps immediately. In matters related to financial affairs and managing their own economy, people should get in touch with their local financial and debt counselling services. People who are heavily in debt can apply to the district court for statutory debt rescheduling for private individuals. Before submitting an application, the debtor must look into the possibility of a settlement with the creditors.
Local authorities may offer social lending to people who, because of their low incomes and lack of resources, have no chance of obtaining credit on reasonable terms in any other way. The borrower must be able to repay the loan. The local authority charges a reasonable annual rate of interest on social lending and is also obliged to arrange financial advice and guidance for applicants and recipients of social lending.
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All of Finland
- Social lending
The aim of social loans is to prevent financial exclusion and indebtedness and help improve people's ability to manage their situation. Social loans are part of municipal social welfare system.
Ministry of Social Affairs and Health - The Guarantee Foundation
Advice for people deep in dept and in financial crisis, assistance in dealing with large debts. Debtline telephone service.
Guarantee Foundation - Application for respite
For requestion of payment respite for claims awarded to the state and collected by Legal Register Centre.
Legal Register Centre - Financial and debt advice
Municipal financial and debt advisers provide information on how to deal with personal money matters and debts. Directory of municipal advisers.
Consumer Agency
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