Debt mediation

Debt mediation is a service where a mediator acts as a go-between for you and your creditors to create a realistic repayment plan. The mediator checks if your debts are valid, if they are past the legal deadline for collection, or if they contain unfair charges, and tries to reach a friendly agreement.

Because creditors have to agree to the proposal, acceptance is not guaranteed. While often provided for free by the OCMW or CAW, you can also pay for mediation through a lawyer, notary, or bailiff.

This process is meant for manageable debt levels; for those with long-term, structural debt, a collective debt settlement is usually the better option.

Last modification: 15/01/2026