Faktory úspešnosti a efektivity dlhového poradenstva vykonávaného prostredníctvom bezplatných dlhových poradní na Slovensku
Factors of Success and Effectiveness of Debt Counseling Provided Through Free Debt Counseling in Slovakia

Summary/Abstract: The article deals with the issue of free debt counseling in Slovakia, reflecting its significance in the context of increasing indebtedness of the population. The main goal was to analyze the factors of success and effectiveness of these services, as well as to identify their shortcomings from the clients' perspective. The article focuses on the theoretical foundations related to indebtedness, the legislative framework, socioeconomic and psychological aspects, as well as the functioning of free debt counseling in practice in Slovakia. The research part is based on qualitative research conducted through semi-structured interviews with participants of the free debt counseling service. The results of the research showed that counseling is rated positively by clients and has a significant contribution not only in addressing debts but also in the area of psychological support and motivation, while systemic barriers limiting its effectiveness were also revealed.

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