 | Informationsblätter auf englisch Information sheets in English |
Wohnungssicherung | Protect your home despite rent arrears
Rent and fuel bills should have top priority! Paying rent is more important that paying off debts (however much pressure ...
Energiesicherung | A secure fuel supply despite debts
Fuel and rent are two of the most important items in any household budget! Even if debt collection agencies are ...
P-Konto | A P-account
What should you do if your account is attached? Are you in debt? And you don’t have enough money ...
Recht auf Girokonto | The right to a current account
You have a statutory entitlement to a current account. This account is called a „basic payment account” (Basiskonto). What is a ...
Einkommenspfändung | Attachment of wages and attachment of regular income
(Virtually) all „regular“ (i.e. recurring) income can in principle be attached. This means that wages and unemployment benefit as ...
Vermögensauskunft und Sachpfändung | Financial status enquiries and repossessions
If you do not pay your debts, the creditor may apply for a bailiff to seize goods in your ...
Verbraucherinsolvenz | Consumer insolvency proceedings (VIV)
Are you in debt and see no possibility of repaying your debts in the next few years? Insolvency proceedings ...
Mahnungen, Drohungen, Telefonterror | Reminders, threatening letters, telephone harassment
What are your creditors allowed to do if you can no longer pay instalments or outstanding invoices due? Generally ...
Gerichtliches Mahnverfahren | Legal default action
The creditor is allowed to protect his debt. He will normally do this by taking legal default action. In ...
Was macht Schuldnerberatung? | Information about the debt advisory office
How can the debt advisory office help you? We help you to draw up a clear overview of your ...
Geldbußen |Fines for administrative offences
If you have violated any regulation under administrative law (= administrative offence), you may be obliged to pay a ...
Unterhalt | Maintenance
Maintenance is a complicated subject. This information sheet can therefore only provide a general overview. 1. When must maintenance ...
Geldstrafen | Fines
If you commit a criminal offence you may be sentenced to prison or, for minor offences, fined The German ...
Schulden bei Krankenkassen | Contribution debts with your health insurance fund
Contribution debts with your statutory health insurance fund (GKV) How high is my statutory health insurance contribution? The monthly ...
Schulden beim Jobcenter und Sozialamt | Debts with the Jobcentre and Social Welfare Office
It is also possible to have debts with providers of social benefits such as the Social Welfare Office or ...