Get help with budget and debt issues

Hjälp med ekonomin hos kommunens budget- och skuldrådgivning - Engelska

Many struggle with their finances and have debts. If you find it challenging to get your finances together, you can seek assistance from the municipality's budget and debt counselor. They provide advice and suggestions on how to plan your finances and manage your debts.

Translated page: This text has been translated from Swedish. The text and appearance of the page may look different from the original page.

What can budget and debt counseling help you with?

  • Plan your finances and create a budget.

  • Manage and prioritize your debts.

  • Contact and negotiate with those to whom you owe money.

  • Apply for debt restructuring and provide support before, during, and after debt restructuring.

  • Offer suggestions on how to develop new financial habits.

More about your opportunities to get help with debts

  • To contact your local budget and debt counselling service, you can contact your municipality. You can also follow the link below to find a list of all municipalities and contact information for their budget and debt counselling services.

    See the list of budget and debt counselling services by municipality

  • By law, municipalities are obligated to provide financial counselling to people in debt. Getting help does not cost anything.

    The budget and debt counselor can suggest solutions, but it is always your choice to decide which option to pursue.

    The budget and debt counselor has confidentiality obligations.

    Do not wait to seek help if you have financial problems. The sooner, the better, but it is never too late.

  • Many municipalities have waiting times to meet a budget and debt counsellor.

    Until you receive personal help, you need to prioritize among your bills if you cannot pay them all. What is most important to pay is rent, electricity and home insurance firstly. Otherwise, you risk being evicted, having your power turned off.

  • If the municipality does not have a budget and debt counselling service or if you do not get the help you are entitled to, you can send in a report to the Health and Social Care Inspectorate (IVO). The report becomes an official document when it is received by the IVO.

    More information on the IVO website (in Swedish)

Hjälp med ekonomin hos kommunens budget- och skuldrådgivning