Getting financial and debt advice
A debt problem gets worse quickly if bills are left unopened. In Finland you can get free financial and debt advice from public legal aid offices. This guide explains how to map out your situation and what solutions are available.
You will need
- A list of all your debts and creditors
- Proof of income and expenses
- Recent debt collection letters
- Online banking credentials
- Your credit information (optional)
Steps
Open all your letters
Gather your bills, debt collection letters and loan agreements in one place. For each one, write down the creditor, amount, due date and status, such as reminder, collection or enforcement.
Make a budget
Pay the essentials first
Contact financial and debt advice
Negotiate with creditors
Look into a consolidation loan
Consider debt restructuring
Protect your future
The full guide with every step is for members. Try 7 days for €0.99.
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