The role of the Debtors Ombudsman is to protect the interests and rights of people in financial difficulties.

• UMS facilitates communications and agreements with the claimant with the interests of the individual at heart.

• UMS provides people with severe debt and payment problems with free assistance in getting a view of their finances and seeking solutions.

• UMS provides advice and education on the finances of households and assists with agreements on payment adjustment

• The UMS prepares and updates maintenance criteria on a regular basis.

• UMS receives comments and suggestions from citizens regarding flaws in the lending business and communicates them to the relevant parties.