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In 2017, the Information and Advisory Service on the over-indebtedness of the Ligue médicosociale (for the North and the Center), badociated with the non-profit badociation Inter-Actions (for the South), received together nearly 550 applications for aid across the country. A stable figure compared to previous years but which emerges from the workshops organized in recent months, in particular by the Ministry of Labor, to put the finger on the issue of over-indebtedness in Luxembourg.
On Monday, and even if "very few figures on the rates of people with debt are reported," IMS Luxembourg (for Inspiring More Sustainability), said that 67% of the files received by the Ligue médicosociale concerned the 31-50 years. This is the age group most affected. "Young and unemployed households are more exposed to risk," says the Central Bank of Luxembourg. In detail, we learn that 34% of over-indebtedness files were filed by single persons, 27% by married persons and 26% by divorced persons. Tenants also account for 67% of the files processed. Finally, to put it simply, one in two (49%) accompanied by over-indebtedness, is salaried.
Financial Education
IMS Luxembourg, the Ministry of Labor, ULESS and 6zero1 organized workshops with participants from various sectors to find solutions to this "complex and unknown to the general public" issue. They offer a mobile financial education app for 12-25 year olds (under development), an badytics tool for organizations to identify risk profiles, and a national awareness campaign.
Recall that since 2013, the law allows the establishment of a debt settlement procedure designed to redress the financial situation of the debtor by allowing him to pay his debts while guaranteeing "the possibility of leading a life in keeping with dignity human. " Consumers can calculate their indebtedness on the website of the Ligue médicosociale.
(Nc / Much)
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