Debt: get help immediately

Debt: get help immediately

Debt can occur due to extreme situations such as unemployment, separation or illness. Often, however, people get tripped up by so-called debt traps, like using credit cards to buy goods and services they can’t afford, entering into expensive leasing contracts or taking out small loans. Teenagers are especially prone to imprudent spending through credit cards. By involving your child in budget planning, you encourage the responsible handling of money and invite your child to play an active role in family management. Debt can also occur as a result of deferring tax payments. Waiting for a year-end bonus to pay taxes is risky. It is better to consider taxes as monthly expenses on a par with rent and health insurance, make them an integral part of your budget and pay them immediately.

Contact a debt counsellor before you lose control of unpaid bills. Good advice need not be expensive. Professional debt counsellors simply help their clients to help themselves. Residents of the Canton of Basel-Landschaft and the municipalities of Bättwil, Dornach, Hofstetten-Flüh, Rodersdorf and Witterswil can obtain a free telephone consultation from the «Fachstelle für Schuldenfragen BL» (Centre for Debt Management BL). Depending on the situation of the individual seeking help, the centre also offers in-depth counselling in its offices. The centre runs courses in debt avoidance for teenagers at high schools and vocational schools as well as in companies that train apprentices.

Switzerland

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* = Services explicitly offerend also in other languages than German.

Aargau

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Basel-Landschaft

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Basel-Stadt

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  • Budget- and debt counselling by the Familien-, Paar- und Erziehungsberatung (Fabe). Some municipalities in Baselland have an agreement with Fabe: www.fabe.ch

  • Familea counselling for women (incl.budget counselling): www.familea.ch

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Solothurn

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"Schuldnerberatung"

Ebook-Counselor by Marcel Ziegler, www.kreditzentrale.com.