Debt counseling will help you if you find yourself in a financial emergency and can no longer get out of the situation on your own.
These financial emergencies can be

• existing debts, but also
• impending debts, for example if payment obligations have already not been met or upcoming payment obligations cannot be met.

The debt advice centers offer you the opportunity to

• financial,
• psychosocial and
• legal advice.

Debt counseling helps you to reduce the effects of over-indebtedness and create financial leeway. The aim is for you to be able to pay your rent, energy costs and living expenses independently again.

• First of all, the debt counselor will get a complete overview of your current debt situation.
• You then draw up a plan together.

The offer also includes support in taking the necessary steps and coming to terms with the situation.
Debt counseling also supports you with

• legal issues
• Negotiations with creditors
• Preparation of insolvency proceedings
• Applying for personal insolvency.