Rechtsstand Herbst 202643 life situations645 topic pages41 roadmapsFree, no account

I have debts I can no longer pay

When your money no longer covers all the instalments: how to protect your bank account, home and electricity, how to react to garnishment and the bailiff, how to seek an agreement with free debt counselling (Schuldnerberatung), and when consumer insolvency with discharge of residual debts (Restschuldbefreiung) comes into consideration.

How the roadmap works. Answer the questions. Your roadmap is built from them. It shows what comes first, which deadlines are running and who helps free of charge. Important: debts are nothing to be ashamed of, and there is almost always a way out. The only dangerous thing is to leave mail unopened. If you think a claim is wrong, also use the roadmap on disputed claims.

Your answers are not stored or transmitted; they only appear in your browser's address bar. Anyone who shares the link also shares the answers. Legal position as of November 2026: ZPO (garnishment protection, P-Konto, enforcement, debtor register), Pfändungsfreigrenzenbekanntmachung 2026 (garnishment exemption limits notice, valid since 1 July 2026), InsO (consumer insolvency, discharge of residual debts after 3 years; reforms are being discussed but have not been promulgated), BGB (limitation, tenancy law), EnWG (electricity and gas disconnection), ZKG (basic account), SGB II as amended since 1 July 2026 (basic income support, Grundsicherungsgeld), SGB XII, SGB X, BerHG, DSGVO.

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As of November 2026. The roadmap arranges general information according to your answers. It does not review an individual case, does not replace legal advice and does not assess your dismissal or any deadline as valid, met or missed. Whether an entitlement exists is decided by the responsible office; deadlines and amounts change often – check important details with an advice centre.

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