Get help with budget and debt issues

Hjälp med ekonomin hos kommunens budget- och skuldrådgivning - Engelska

Many people struggle with their finances and have debts. Are you having difficulty managing your finances? If so, you can get help from your municipality's budget and debt counsellor. The help is free and suited to your situation.

Translated page: This text has been translated from Swedish. The text and appearance of the page may look different from the original page.

What can budget and debt counselling help you with?

A budget and debt counsellor can help you:

  • plan your finances and create a budget

  • manage and prioritise your debts

  • contact and negotiate with those to whom you owe money

  • apply for debt restructuring and provide support before, during, and after debt restructuring

  • suggest ways to develop new financial habits.

Do not wait to seek help if you have financial problems. The sooner you get help, the better, but it is never too late to deal with the problems

Do you need help?

Contact the municipality where you live to get help from a budget and debt counsellor.

We have a list where you can find contact details:

List of municipal budget and debt counselling services by municipality (In Swedish)

While you wait for budget and debt counseling

  • Some municipalities have waiting times for appointments with a budget and debt counsellor. Until you can get help, you may need to prioritise your bills.

    Your rent, electricity bills and food should come first. Otherwise, you risk being evicted or having your electricity disconnected. Home insurance and medication are also important. Other priority expenses may include unemployment insurance fund fees and childcare costs.

  • If the municipality does not have a budget and debt counselling service or if you do not get the help you are entitled to, you can send in a report to the Health and Social Care Inspectorate (IVO).

    The report becomes an official document when it is received by the IVO.

    The IVO website

Proofread: 6 November 2026