MIL-OSI Translation: Let’s talk cash! The need for debt advice is increasing in the canton of Vaud


MIL OSI Translation. Government of the Republic of France statements from French to English –

Source: Swiss Canton de Vaud – news in French

Press release

Vaud State

Posted on September 27, 2021

Sometimes all it takes is one life event and, one day or another, a debt-free household runs into money problems. The State of Vaud is today launching a new awareness campaign urging those concerned not to be left alone in the face of a difficult financial situation. He recommends that they can be accompanied by experts in money management. Respondents from the cantonal Parlons cash telephone line (0840 43 21 00) advised more than 1,800 people in 2020. From 2015 to 2019, the number of calls doubled.

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Mélanie Dieguez, head of the social service at Caritas and one of the 20 respondents to the Let’s Talk Cash telephone line, is confronted every day with various problems related to money. She listens, analyzes and finds the first possible solutions: “I remember well this young 19-year-old apprentice who called us because a collection house had asked her for significant costs because of an unpaid telephone bill. . This young woman was very stressed and cried on the phone. She didn’t know how to pay these fees. I took the time to reassure her, to explain to her the illegality of these charges and I dictated the letter to write to her. ”The Parlons cash telephone line is the gateway to the cantonal system for the prevention of over-indebtedness and support for people in debt or even over-indebtedness. This program is funded by the Department of Health and Social Action (DSAS). “Let’s talk cash helps limit the negative consequences of debt for the person concerned and also for society as a whole,” underlines Rebecca Ruiz, head of DSAS. Anyone can take on debt, regardless of age, gender, education, social status or income. We see that the need for counseling is increasing year by year. In 2020, more than 1,800 people were advised by the respondents to the Let’s Talk Cash phone line. These people can then benefit from prevention offers to learn how to make a budget, for example, or free support in debt management allowing them to stabilize their difficult financial situation and then get out of it. communication is also aimed specifically at young people aged 13 to 25. While they are often less prone to serious debt-related problems than their elders, prevention is essential because “certain risky habits in terms of consumption and money management are installed in adolescence,” underlines Cesla Amarelle. , Head of the Department of Training, Youth and Culture (DFJC). Depending on their age and place of training, young people benefit from different actions. Workshops, prevention stands, participatory theater-forum plays have made it possible to reach thousands of young people, year after year, in Secondary II and in specialized high schools but also in extracurricular settings: neighborhood centers, socio-cultural centers, etc. A new concept of a pedagogical half-day for compulsory school (10th and 11th) in the form of a theater-forum play accompanied by two workshops will soon be tested. “Following the evaluation that will be made of this test phase, the action will be adjusted and made available to other interested establishments”, concludes the State Councilor in charge of training. today, the DSAS and the DFJC are launching a prevention campaign on social networks. In a light tone, a new video raises awareness of the importance of asking for help with money problems; another capsule informs young people about tax deposits, to be paid as soon as they start a professional activity. Indeed, many young people between 18 and 25 years old are not up to date with their monthly installments. They risk finding themselves the following year, during taxation, with a tax bill to be paid within 30 days while having to pay down payments for the new year. The DSAS and the DFJC assess the program very positively. cantonal prevention of over-indebtedness and encourage those concerned to resort to it.The campaign videos can be viewed here:

Vaud State Information and Communication Office




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