The aim of the project is a positive change in the area of over-indebtedness and social exclusion of the inhabitants of Liberec, Frýdlant and Velké Hamry. The debt advisory programme, which, in cooperation with local actors, aims to reduce the enormous debt burden on the inhabitants of municipalities (which is in many cases the result of the immoral bending of laws by interest groups that has occurred in the past and which, despite changes in legislation, still affects a significant part of the population) and to strengthen their competences needed to deal with debt, aims to achieve the goal.