Where can you get free debt advice in Finland?
Help with budgets, debts and debt restructuring.
Short answer
Financial and debt counselling (talous- ja velkaneuvonta) gives free advice on everyday money matters and debts. The Tax Administration's credit register pages explain that counsellors help with planning spending, sorting out a debt situation and applying for a restructuring loan or debt adjustment. You can contact them even if your debts are small. The service has over 90 offices across Finland, and you can call, chat or use the e-services.
Why
- The Tax Administration describes the service as free.
- The Legal Services Agency brochure lists over 90 service points across Finland.
- The service's website offers phone, chat and e-service contact.
Details
Kaleva reports that from 1 January 2027 financial and debt counselling will be run by separate offices, apart from public legal aid offices.
Tip
Gather your bills, loan agreements and collection letters before the first appointment.
What may differ
Opening hours and contact channels differ between offices.
Common misconception
Debt advice in Finland is only for people already facing enforcement.
What actually happens
You can contact the service even if you have little or no debt yet.
People also ask
- How much can debt collection cost in Finland?
- How long does a payment default entry stay in Finland?
- Can you set a voluntary credit ban in Finland?
Sources
- Tax Administration, positive credit register: Help with managing your financesChecked at:
- Legal Services Agency: General brochureChecked at:
- Legal Aid and Public Guardianship: Financial and debt counsellingChecked at:
- Kaleva: The agency that helps with debts, guardianship and custody disputesChecked at:
This answer is for reference only. Consumer rules can change and cases differ, so check KKV or the Consumer Advisory Services.
Practical: communication, money, servicesRelated questions
-
Can a company charge for a paper bill in Finland?
It can be allowed.
-
How many people in Finland are in debt enforcement?
According to the National Enforcement Authority (Ulosottolaitos), private persons made up about 91% of all debtors in 2025, about 550,000 people, an increase of 4% from the year before.
-
Has the digital euro been approved?
Not yet.
-
When does the digital euro pilot start?
The Bank of Finland announced on 14 July 2026 that the Eurosystem's digital euro pilot starts in the second half of 2027 and lasts 12 months.