Where can I get help for payment problems?

You can get support for financial problems, among others, from the financial and debt counselling at legal aid offices and the Guarantee Foundation. Please, find more information on these organisations below.

Financial and debt counselling at legal aid offices Financial and debt counselling is a statutory service, which is free of charge to the customers. Counselling is organised by legal aid offices. The website of the financial and debt counselling at [https://oikeus.fi/talousjavelkaneuvonta/en/index.html] provides ample instructions on the balancing of the financial situation. At the same address, you can also find the contact information for the financial and debt counselling in your own area.

Takuusäätiö

Takuusäätiö is a national organisation in the social field which assists private persons struggling with a financial crisis in solving their debt and payment problems.

Takuusäätiö offers counselling by phone and gives instructions for solving debt problems. The foundation grants e.g. guarantees for bank loans, with which debts can be combined in a situation of over indebtedness and organises support person activity to persons who find themselves in a financial crisis. You can call the Takuusäätiö's Debt Line for free in Finland and discuss the financial troubles concerning you or your family members. The Debt Line operates at the number 0800 9 8009, Mon-Fri, 10 a.m. - 2 p.m. Alternatively, you can contact them through their chat. More information and instructions are found on Takuusäätiö's website www.takuusaatio.fi.