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Debtor and consumer insolvency advice
Source: Zuständigkeitsfinder Schleswig-Holstein (Linie6PLus)
The number of over-indebted private households in Germany is rising steadily and has exceeded the three million mark in recent years. In Schleswig-Holstein, almost 100,000 households are considered to be over-indebted. This means that over 200,000 people in our federal state are no longer able to meet their current obligations.
The causes of over-indebtedness are manifold: job loss, separation, divorce, illness or the loss of a second income can trigger debt. A lack of financial literacy and an overestimation of one's own financial possibilities often lead to a financial emergency that cannot be overcome without professional help.
The consequences of over-indebtedness are devastating for those affected: economic and social hardship as well as the impairment of physical and psychological well-being. It would be wrong to simply give up, put reminders to one side and let things take their course. Instead, you should turn for advice and support to those who can really help in this situation: the debt advice centers.
These are debt counselling centres that are recognized by the Ministry of Social Affairs, Health, Science and Equality of the State of Schleswig-Holstein (MSGWG) as a "suitable body". These advice centers meet high quality standards and offer you the guarantee of independent and qualified advice. Only these debt advice centers are authorized to issue the necessary certificate for the initiation of consumer insolvency proceedings.
Who should I contact?
To a recognized debt counselling centre in your district or city.
You can find these on the Internet or by calling the debt counseling coordination office on 04331 593 248.
Which documents are required?
- Overview of monthly household income and expenditure.
- Overview of outstanding debts (list of creditors) - How much do you owe to whom? What is the total amount?
Copy the correspondence with the creditors.
- Bank statements, wage statements, rental agreement, housing benefit notice, purchase agreements, loan agreements, reminder and enforcement notices, acknowledgements of debt, surety deeds, reminders, letters from creditors, insurance policies, etc.
What are the fees?
Consumer insolvency advice in the recognized debt advice centres is free of charge for over-indebted persons. You may only be asked to reimburse minor costs for expenses actually incurred (e.g. for copies or postage).
Whether and how much you have to pay for general debt counseling depends on the regulations of the independent city/district in which you live. The relevant debt counseling office can provide you with detailed information on this.
What deadlines do I have to pay attention to?
Contact the debt counseling office responsible for you as early as possible.
- Insolvency Code (InsO),
- Social Security Code (SGB) Second Book (II) - Basic security for jobseekers,
- Social Security Code (SGB) Twelfth Book (XII) - Social Assistance.
What else should I know?
Information on the subject of debtor and consumer insolvency advice can also be found on the websites of the Schleswig-Holstein state government and the Schleswig-Holstein Debtor Advice Coordination Office.
The text was automatically translated based on the German content.