The Ombudsman for Debtors (UMS) provides free advice to individuals with regards to financial problems. The Ombudsman has a consultant on duty every working day between 10 and 15.

You can call 512 6600 or stop by in Liðasmára 11 for a conversation with a counsellor, no appointments required.

You may also find it helpful to order a call from a counselor on the website: www.ums.is The website also contains much information on the services that the UMS provides to individuals.