Sources and method – Debtors & Private Insolvency

All information comes from statutes and from official or association websites. Uncertain points are named openly below.

List of sources

Bundesministerium der Justiz (Federal Ministry of Justice), Gesetze im Internet: InsO §§ 4a, 4b, 287, 287a, 290, 295, 295a, 300, 302, 304, 305; ZPO §§ 339, 692, 700, 802c, 802d, 802f, 850c, 850k, 882c, 882e, 899, 902, 903; InsoBekV § 3; BerHG § 1; BGB §§ 195, 197, 543, 569. Retrieved 20 September 2026.
Pfändungsfreigrenzenbekanntmachung 2026 of 19 March 2026, BGBl. 2026 I Nr. 80. Retrieved 20 September 2026.
Bundesgerichtshof (Federal Court of Justice), press release on I ZR 97/25 of 18 December 2025 (retention periods of credit reporting agencies). Retrieved 20 September 2026.
SCHUFA Holding AG, Newsroom "SCHUFA löscht Restschuldbefreiung nach 6 Monaten" (search hit; page content not fully retrievable). Retrieved 20 September 2026.
Bundesarbeitsgemeinschaft Schuldnerberatung e. V. (bag-sb.de) and information portal meine-schulden.de (search for advice centres). Retrieved 20 September 2026.

Uncertain and open points

SCHUFA: deletion of the discharge entry six months after it is granted (since 28 March 2023) according to the SCHUFA newsroom; other credit reporting agencies mostly do the same, but without a legal obligation.
Court costs, procedural fees and instalment amounts for the deferral of costs (§ 4b InsO): no amounts listed.
Not covered: tax debts, guarantees, instalment agreements with debt collection companies in detail, standard insolvency proceedings for self-employed people with 20 or more creditors in detail.

What this platform does – and what it does not

Wegweiser explains debtors' rights in plain language and states legal bases, deadlines and figures from the sources named. It is no substitute for legal advice or for a review of your individual case. It does not name local advice centres, addresses or phone numbers, except for nationally documented bodies. No personal data is stored. Deadlines for payment orders (Mahnbescheid), enforcement orders (Vollstreckungsbescheid) and termination notices are strict: get advice early.