Independent non profit organization for financial literacy and free debt advice


The information in this website and the links provided are for general information only and should not be taken as constituting professional advice from the website owner – the national provider.  You should consider seeking independent legal, financial, pensions, social security, taxation or other advice to check how the website information relates to your unique circumstances

Every reasonable effort has been made to ensure that the information provided by this website is reasonably comprehensive, accurate and clear.

However, the information provided on or via this website may not necessarily be completely comprehensive or accurate, and, for this reason, it is provided on an “AS IS” and “AS AVAILABLE” basis.

If you think you may have noticed any error or omission, please let us know by contacting [email protected]. It is our policy to correct errors or omissions as soon as any error or omission has been established to our satisfaction

General Information
While the national provider makes every reasonable effort to provide information that is as comprehensive, accurate and clear as possible, the information provided on this site is necessarily of a general nature and may not address the specific circumstances of a particular individual.
Simple Descriptions
Responses to queries, and the contents of, and documents on, or available from, this site describe schemes and services as simply as possible. These schemes and services may involve technically complex issues (for example, legal issues). The information provided or the simple descriptions available on, or via, this site may not address all such issues, or address them in sufficient detail for your particular needs.
Your Particular Circumstances
If you wish to find out what your particular position is in your own particular circumstances, or if have an enquiry about any particular entitlements or services that may be available to you, you may need to seek appropriate professional, or other, advice and/or contact the particular agency or agencies responsible.
No legal or other professional advice given
 Any matter contained in this website must not be regarded or construed as any piece of advice for the concrete situation of anybody, as all the topics and matters are treated in a general way. Therefore, the contents and/or opinions expressed in this website, do not substitute by any means the consultation and/or advice by a debt-advice professional-(and/or specialized consumer association/ institution)- personally attending to the consumer and examining to its particular financial/legal and social situation . Therefore, any content appearing on the website must be construed as merely informative, and not as any personal advice. In addition, this website does not reflect any opinion or advice of the EU Commission. Its contents is responsibility only of the national provider
Timely update
The bankruptcy law and other legal regulations may be continuously changing. We are not responsible for not having timly updated the legal situation.
Information Only
The  national provider provides information on, and on the availability of, schemes and services. It is not responsible for the schemes or services, nor for the way in which such schemes or services may be operated and administered in practice
All information on this website has to be controlled by yourself whether it is applicable for your case/situation
References to External Sources and/or Organisations
The website sometimes refers or links to external organisations or sites over which the national provider has no control and accepts no responsibility. Any references or links on the website to external organisations or websites are provided as a matter of convenience only. They should not be taken as an endorsement of the contents of those external websites or of those organisations.
This website may contain third party owned content (e.g. articles, image libraries, data feeds or abstracts) and may also include hypertext links to third party owned websites. We provide such third party content and links as a courtesy to our users. Links are provided for your information only. We have no control over any third party owned websites or content referred to, accessed by or available on this website. To the extent permitted by law, therefore, we do not endorse, sponsor, recommend or otherwise accept any responsibility for such third party websites or content, or for the availability of such websites. In particular, we do not accept any liability arising out of any allegation that any third party owned content (whether published on this, or any other, website) infringes the intellectual property rights of any person, or any liability arising out of any information or opinion contained on such third party website or content.
Warranties and Terms

To the extent permitted by law, the national provider , assume and accept no responsibility for, and give no guarantees, undertakings or warranties concerning, the accuracy, clarity, comprehensiveness, completeness, timeliness, fitness-for-purpose, up-to-date nature, reliability, or otherwise, of the information provided on this website, and do not accept any liability whatsoever in respect of, or arising from, any errors or omissions or any reliance on, or use of, such information.

Whilst we have taken reasonable care in compiling this website, to the extent permitted by law, we accept no responsibility for any loss or damage claimed to arise from any reliance on, or action taken by any person or organisation, wherever they are based, as a result, direct or otherwise, of, information contained in, or accessed through, this website, whether such information is provided by us or by a third party.

Basis of Use

By using this website, you agree that the use of information obtained or downloaded from or through this website is at your sole discretion and risk.
The national provider accepts no responsibility for the accuracy of the translations provided on the website.
Headings and Sub-Headings
The headings and sub-headings used in this disclaimer are for general ease of reading and navigation only, and do not affect the content or interpretation of the text in any way