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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 counsellor. 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 counselling 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
Contact the municipality where you live to get help from a budget and debt counsellor. We also have a list where you can find contact details:
All municipalities are required by law to provide debt and financial counselling for people with debts. The social welfare committee in each municipality is responsible for this service.
The counselling is free of charge, confidential and tailored to your financial situation.
A budget and debt counsellor can help you identify possible solutions. However, it is always up to you to decide which option to pursue.
Do not wait to seek help if you are experiencing financial difficulties. The sooner you get help, the better, but it is never too late to take action and deal with the situation.
Some municipalities have waiting times for appointments with a budget and debt counsellor. Until you can get help, you may need to prioritise your bills.
Your rent, electricity bills and food should come first. Otherwise, you risk being evicted or having your electricity disconnected.
Home insurance and medication are also important.
Other priority expenses may include unemployment insurance fund fees and childcare costs.
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.
