Velkaongelmat

"Even the coldest of winters is scared of by the spring."
(Lithuanian saying)

If you cannot pay a bill, contact the sender of the bill immediately.

More Information

Help in payment or debt problems is available from your Local Debt Councellor (velkaneuvoja).

Velkalinja is a free telephone help line (0800 9 8009) of the Guarantee Foundation (Takuu-Säätiö) for private individuals.

Legal advice is available from solicitors and other lawyers as well as public legal advisers working at the Public Legal Aid Offices (valtion oikeusaputoimistot).

Help in Money Matters:

Papunet Spending Guide (in plain Finnish)
The Martha Organisation (Marttaliitto)