The (UCE) Union consumer-Murcia and the Professional Association of Advisers and Financial Intermediation (AIF) filed yesterday, to mark the Consumer Day to be held today, a new advisory service to families in financial ruin. Currently there are 30 families that Murcia will benefit from this service. Specifically is a free consultation on financial experts to be given a diagnosis of the economic situation and advise to improve it where possible. Thereafter, the client will decide whether to continue with a process that is advised or if they prefer to consult another professional.

The aim is that these families need for reunification of loans or receivables management companies, to qualify for the service for advice and avoid “offers real usury loan with interest fast become a 30 percent “, and also posed” a real delusion and a dangerous practice, “explained the president of UCE, Pedro Valera. Furthermore, since the UCE of Murcia emphasized “the desirability” that people come to professionals solvents, in this case the collaboration agreement with IDA is because they offer the service, the security and safety that examine their situation, to make a tailored suit in which the user notice the relief of that pressure and “prevent it falling into fraud and deceit”.

This project comes in response to this situation, a little more complicated than for years, so we must tighten their belts and clean up the family finances in anticipation of more complicated situations, “according to Valera argued. The current situation shows that household debt grew by 177% between 1998 and 2005, and the Bank of Spain has warned that household debt has surpassed 82% of Spanish GDP. It has produced a report UCE legal debt consolidation so that the person can be located perfectly in your rights and what are the obligations of companies. But according to James ‘not enough’ for what they “call for the urgent elaboration of a law regulating the debt overhang and risk of families ‘economic crisis’.

UCE from the French model is proposed as a solution in which, administrative offices, local and regional level, develop a plan jointly with a financial adviser, representing the user and the Administration will establish joint plans and strategies and Conventions.