Croatia's Fina offers free debt help to citizens

Starting November 20th, Croatia’s Financial Agency (Fina) will provide free debt counseling to citizens facing financial hardship.

Fina will offer financial, legal, and psychological support through its offices across Croatia, available to people regardless of where they live. The service extends to those not yet in debt but anticipating future difficulties, helping them understand their options and avoid worsening problems.

This new service stems from the Consumer Credit Law, which takes effect on November 20, 2026, mandating that Fina offer debt counseling without charge. Counselors will analyze incomes, expenses, and debts, create repayment plans, and inform people of their legal rights. They will also assist with communicating with banks and creditors and help with applications for free legal aid.

The depth of information Fina requests from individuals will depend on the severity of their financial situation, ranging from simple consultations for small debts to detailed reviews for those with multiple debts or facing legal action. Fina clarified they will only collect data to propose solutions tailored to each person’s specific circumstances, and may access official records with written consent.

While counseling won’t automatically erase debts or force banks to agree to new terms, it aims to help people explore their options and prevent debt from becoming unmanageable.