Help for the indebted

The “New Chance” project is a helping hand for people struggling with debt. As part of the program, participants can receive advice from financial experts who help them put their finances in order and get along with their creditors to gradually get out on their own. In addition, psychologists support coping with stress and building a new, positive outlook for the future. “New Chance” is not only advice, but also a workshop where participants learn how to manage their budget to avoid similar situations in the future. The project also creates a space where people in a similar situation can meet and look for solutions together, so no one has to feel alone with their problem.

People struggling with debt and problems in settling their financial obligations often face many challenges. It’s not just the constant stress of the urgent need to pay off debts, but also the difficulty of managing daily expenses, which can lead to further financial pitfalls. In addition, such a situation is often associated with a sense of shame and social isolation. People may feel overwhelmed and reluctant to share their problems with others for fear of being judged or misunderstood. This isolation can make it difficult to seek help or support, which only exacerbates the problem. As a result, indebted people can feel alienated, not only from their surroundings, but also in the broader social context, where their ability to actively participate in society is limited by ongoing financial worries.

Who are we targeting?

Families (spouses), single people and those in informal relationships at risk of financial and economic exclusion, due to factors beyond their control (e.g. war, inflation, rising interest rates), who face financial problems, understood as the inability to regulate their financial obligations, meet the basic needs of the family or their own, due to these external factors. The target group is adults. It does not matter here when the debt was incurred.

Forms of assistance

  • Free consultations with financial advisors: Participants can receive one-on-one advice on debt management, repayment planning and negotiating better repayment terms with creditors.
  • Educational workshop on budget management: The workshop teaches how to effectively manage one’s finances, avoid debt traps and form healthy financial habits for the future.
  • Psychological assistance: Participants have access to sessions with psychologists to support them in dealing with stress and emotions related to financial problems and to strengthen emotional resilience.
  • Support groups and meetings: A spacefor participants to share experiences, support each other and motivate each other on the road to financial stability.
  • Legal consultation: Participants can receive specialized legal advice on their debt situation, consumer rights, and legal options regarding negotiations with creditors and litigation.
  • Legal workshops: In these workshops, participants learn about their rights and responsibilities, as well as legal strategies they can use to get out of debt. – Psychological workshops: These workshops focus on building mental strength, dealing with financial stress and working on the emotional aspects of debt.


The project has not started yet!

Indicator namePlanned level to be achieved at
End 2025
Number of people supported2200
Number of support facilities13
Number of hours of financial and economic counseling2350
Number of hours of legal counseling2325
Number of hours of psychological consultations2350

Project contact

Gdansk, Grudziadz, Chelmno, Kwidzyn, Kartuzy, Koscierzyna, Wejherowo, Tczew, Starogard Gdanski, Malbork, Brodnica, Wąbrzeźno, Golub – Dobrzyń



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Everyone deserves a chance

Financed with funds from the National Institute of Freedom – Center for Civil Society Development within the framework of the Government Program to Support the Development of Counselling Organizations for 2022-2033
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