🗂️ Debt counselling: the first step
In brief
A debt counselling service goes through your income, expenses and debts with you. It helps with letters to creditors, settlement attempts and the insolvency application.
Advice from public and non-profit bodies is usually free of charge. If costs arise, the body must tell you at the start.
Step by step
- Gather documentsHave reminders, notices, contracts, bank statements and proof of income ready, complete.
- Draw up a creditor listWho, how much, since when, and whether an enforceable title exists.
- Find an appointment with a recognised bodyUse the advice centre search on meine-schulden.de to find centres near you.
- Pass on appointments and deadlinesIf you receive court mail or garnishment mail, tell your adviser straight away.
Deadlines
- Waiting times at advice centres can be long; if garnishment is under way or a deadline is about to expire, report it immediately.
- Do not pay advance fees to dubious intermediaries; recognised bodies are run by welfare associations and public providers.
- False or incomplete information in the lists can jeopardise the discharge of residual debt (§ 290 Abs. 1 Nr. 6 InsO).
In depth · legal basis, figures and practice – for advisers and professionals
Suitable person or body
For the application to open proceedings, § 305 Abs. 1 Nr. 1 InsO requires a certificate from a suitable person or body. It must be based on personal advice and a thorough review of the income and assets, and confirm that an out-of-court settlement was attempted and failed in the last six months before the application.
Advice services
According to the Bundesarbeitsgemeinschaft Schuldnerberatung (national association of debt counselling services), there are over 1,400 debt and insolvency counselling centres in Germany; advice from public and non-profit providers is usually free of charge. Search: meine-schulden.de.
A question about your situation that this page does not answer? Write to us or use the contact form – we will tell you which office is responsible and what to bring. Free of charge, without individual legal advice.