2017 was the first year in which all of Sweden’s municipalities offered budget and debt counseling, according to a report from the Consumer Agency. Another positive news in this context is that overall the debt counseling function is more invested than before. In total, the municipalities had an average of 258 annual workforce dedicated to budget and debt counseling during the year.
Major differences between different municipalities
While the function has generally been strengthened, there are major differences between different municipalities. If the annual workforce is divided in minutes by the number of inhabitants over 18 years. There is room for about 13 minutes of counseling per inhabitant. In many other municipalities, the figure is considerably lower and in some places the space can be counted in seconds per inhabitant. The national average is four minutes per inhabitant per year.
Municipalities with many indebted investments at least
The Consumer Agency’s review shows that the municipalities that have the largest share of indebtedness actually spend the least on service and help with budget and debt counseling. Of course, this is the exact opposite of what it should be.
This relationship becomes particularly problematic when it comes to budget and debt counseling to those who have a debt . According to the Consumer Agency, there are few municipalities that have many indebted people who can offer advice and assistance to the extent required. At the same time, large resources are in place in municipalities that have a significantly smaller share of indebtedness.
Help via Hello consumer
If you have problems with high indebtedness, you should primarily turn to the municipality’s function for budget and debt counseling. They are obliged to help you, but you cannot expect to get help immediately. If you live in a municipality where the investment in the function is small, the waiting time can be longer.
An alternative, whether or not you get in touch with the municipal consumer guidance or not, is to contact the Consumer Agency’s web service . Here is a live chat, a forum and a world of useful information to share.
Debt – this is how you take the first step
Do you have a case at Kronofogden? Is the financial situation so difficult that you have difficulty coping with everyday life? A first step is not to hide from reality. The only way to overcome the situation is to produce a concrete and accurate picture of what the economic situation looks like right now. What are the debts and how big are they? Who should have paid? When should the debts be paid? Having a concrete picture of the situation makes it easier to start to sort out the problems. It should also be said that the budget and debt advisers in the municipalities are happy to see that you do this compilation yourself so that together you can immediately start looking at a plan to sort out the situation.