Debt counseling in Würzburg

What is the best way for you to get out of debt? Check your options for free now! Online debt analysis → If the consumer is in debt, it only means that he has to pay back a certain amount of money to a lender. In this case, the only concern for the time being is the existence of debts . If the installments are paid regularly, there is no insolvency . Only when the payments can no longer be applied by the consumer is over-indebtedness mentioned . According to the Debtor Atlas for the Lower Franconia region for 2017 , which is published by the Credit Forum, almost eight percent of Würzburg’s adult residents were over-indebted as of the deadline of October 1, 2017 .



Where do you find a debt counseling service in Würzburg?

Debt counseling in Würzburg: You can seek professional help

Würzburg can get advice at various points of contact. A possible debt counseling center in Würzburg is, for example, the non-profit Christopherus Gesellschaft . As an associate member of the Diakonisches Werk Bayern , the company offers debtors their support .

All citizens of the city and the district of Würzburg, can be supported by professionals of the Christopherus society, if they need a debt counseling . Questions about debt and over-indebtedness can be clarified in cooperation with debt counselors.

Debtors and debtor advisors from Würzburg can first clarify the financial situation in cooperation. Subsequently, appropriate measures can be taken. Even with questions in dealing with creditors , bailiffs, lawyers or debt collection agencies, the debtors are advised.

If the debt reduction is only possible through a private bankruptcy , the advice center helps in this case. For this purpose, a special bankruptcy counseling is offered. With the support of debt counselors, the person concerned can prepare for insolvency proceedings . The only prerequisite: the active cooperation of the debtor.

In the case of the Christopherus Society, the debt counseling in Würzburg is free. The help can also take place as an online debt counseling service, meaning that the experts at the counseling center answer their questions to the consumer by e-mail. Those who do not want to resort to the free offer of public debt counseling, can also seek a lawyer for debt .

What support does a debt counseling service offer in Würzburg?

Why some people get into debt can have different reasons depending on the individual case. To become master of your own debt again, it can be helpful to seek debt counseling.

Without professional help, those affected often find it difficult to understand the extent of the debt they have incurred and to devise a concrete plan for erosion. Therefore, debtors can turn to state or private debt counseling services to assist you.

In other words, a debt counseling advises anyone who sees without help from others, no way out of the debt trap. The counseling centers offer their support regardless of the amount of debt. That means, whether you have a small amount of debt to pay off, or the debt is already very high, you will be helped.3 Sterne

Voluntary Debt Counseling

The most important thing about voluntary debt counseling

  1. In addition to social education workers and social workers, honorary debt counseling also includes business economists and lawyers with many years of experience in debt counseling.
  2. Check for a serious and professional help the recognition of the debt counseling center according to § 305 paragraph 1 No. 1 Insolvency Act (InsO)
  3. The requirements for a recognized honorary debt counseling service that can initiate a private bankruptcy vary from state to state.


The honorary debt counseling and other types of counseling

If the debt counseling is voluntary, it is free of charge for the debtor.

If the debt counseling is voluntary, it is free of charge for the debtor.

For many people, debt counseling is the last chance to get rid of their debts . There are various types of debt counseling available:


  • Public or public debt advice
  • Debt counseling by lawyers
  • Debt counseling by private providers

The government debt counseling is mostly free and is therefore in accordance with strong demand from stakeholders. In addition to appropriate institutions of the cities and municipalities, non-profit and charitable organizations are also among the public counseling centers.

These non-profit organizations do not seek profit from debt counseling but offer this service on a voluntary basis . Some of these organizations or associations are funded or funded by the state .

This honorary, mostly free debt counseling has a big disadvantage: Debtors often wait for weeks or months for a consultation due to the strong demand .
What is the best way for you to get out of debt? Check your options for free now! Online debt analysis →
Sometimes the honorary debt counseling of charitable or charitable institutions gets into criticism not only because of the long wait:

So z. B. argues that these institutions often use social workers and social workers as honorary debt counselors . Although they could advise on debts, they are less suitable for legal advice and insolvency advice . In other words, it is claimed that the volunteer lacks the appropriate qualification for adequate debt advice.

Such an assertion can not be generalized . As a rule, public debt advice centers employ qualified professionals , B. have completed a degree in business administration or law and have many years of experience in debt counseling . And also former bank employees work honorary in the debt counseling. But also educators, social workers and sociologists work as a debt counselor.

The recognition of voluntary debt counseling

But what does that mean for debtors? How can indebted people make sure that the voluntary debt counseling service offers them professional and professionally qualified help ?

If you want to be quite sure, check whether the said body, whether honorary, public or private, as an appropriate body in accordance with § 305 paragraph 1 No. 1 Insolvency Act (InsO) is recognized and let you show appropriate evidence .

Not only can such a recognized body advise you on your debts, but you can also assist with the initiation of personal bankruptcy if necessary. It is entitled to issue you with the necessary certificate for a failed out-of-court settlement attempt with your creditors .

With the appropriate recognition, a voluntary debt counseling service can also initiate private bankruptcy.

With the appropriate recognition, a voluntary debt counseling service can also initiate private bankruptcy.

Each federal state has its own implementing law on the insolvency code . This law specifies exactly what conditions the volunteer counseling center and other counselors have to fulfill in order to be recognized as suitable.


The corresponding regulations of the federal states require z. B.

  • a “sufficient practical experience in debt counseling” by at least one consultant (eg § 4 (1) No. 3 AGInso Berlin – Law on the Execution of the Insolvency Order of the Land Berlin)
  • ensuring the required legal advice from the counseling center (eg § 4 (1) No. 4 AGInso Berlin) or
  • that ” proper advice and support … in the out-of-court settlement attempt and in the judicial consumer insolvency proceedings is guaranteed …” (§ 1 AGInso NRW – Law for the Execution of the Insolvency Order of the State of North Rhine-Westphalia)

In addition, these laws enumerate other requirements such as the reliability of the operator, which may vary slightly from one federal state to another.

However, debtors can also seek advice and assistance from a solicitor in bankruptcy law . However, these do not offer free debt counseling, but are usually recognized as a suitable person within the meaning of § 305 InsO.

Avoid mobile debt

The most important thing about debts due to cell phones

  1. Most people with mobile phone debt are not older than 25 years.
  2. If several invoices have not been settled, you should contact the respective provider as soon as possible in order to discuss the possibility of installment payments.
  3. If you want to prevent mobile phone debt, you should opt for prepaid rates.

The mobile: From the status symbol to the debt trap

Cell Phone Debt: Avoid overpriced rates with fixed maturities.

Cell Phone Debt: Avoid overpriced rates with fixed maturities.

The mobile phone has made a steep career over the past few decades. The first real phone, the Motorola DynaTAC 8000X, weighed about one kilogram and cost nearly $ 4,000 . Today, a smartphone replaces the laptop, the camera, the MP3 player and much more.


Most people today can no longer imagine a life without a mobile phone . According to the Federal Network Agency, there were about 132.4 million subscribers in German mobile networks in the second quarter of 2017.

The mobile phone has also become more and more a status symbol . If you want to be cool, you must constantly have the latest device on the market. In addition, video and music streaming put a strain on the data volume – which can be expensive. Cell phone debt is becoming an issue for more and more people. But how does it happen and what can affected people do?
What is the best way for you to get out of debt? Check your options for free now! Online debt analysis →

Young people in particular are making debts with their mobile phones

More and more young people under 25 are over-indebted. Their debts are on average 7,450 euros much lower than those of the elderly. What is striking, however, is the following: debt to telephone and Internet providers accounts for more than 18 percent of total debt. For older debtors, it is only 2.6 percent.

Mobile debt is thus the way to over-indebtedness for many young people. But why is that? Teenagers and young adults often see the phone as a status symbol. To get the latest model, they often sign contracts that include the device. However, these are bargains only at first glance. On average, the phone is at the end much more expensive than the direct purchase.

Long maturities also increase the risk of accumulating mobile debt. For one thing, you are bound to the contract for a long time and therefore have to bear the costs incurred until the end of the month. On the other hand, you are less flexible and can not switch to a cheaper provider in a timely manner.

Mobile debts: What can I do?

Parents should have their children over the

Parents should educate their children about the ” debt trap cell phone” in good time.

Cell phone debt is by no means a negligible problem. If those affected do not pay their bills, they can be sued by the mobile network operator.

If you have not paid your liabilities in the past , it may be advisable to contact the provider directly . You may be able to pay off the debt in installments if you are unable to settle them in one fell swoop .

Do the cell phone debts get over your head? In such a case, the help of a professional debt counseling is advisable. Debt relief will give you a thorough overview of your financial situation and a plan on how to get out of debt as quickly as possible.

Avoid Mobile Debt: Tips to Avoid Debt Traps

The debt trap mobile phone often snaps faster than it is the afflicted ones. The following tips do not put you at risk of accumulating mobile phone debt:

  • To be on the safe side, go with a prepaid offer . This will not incur any debts and you have full control over the costs.
  • If it is to be a contract, this should have the shortest possible duration. So you stay flexible if you find a cheaper rate.
  • For students, apprentices and trainees, there are usually favorable special rates .
  • Be careful not to book expensive additional options if you want to avoid mobile phone debt.


How to get your debts paid off faster

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In order for you to remain debt free forever, you need to make changes to your current situation. First, it is essential that you change your mindset and financial habits, and sometimes it may even be necessary to replace your circle of friends. This requires a great deal of discipline from your side and you have to prepare to compromise on some things. If you take your debt seriously and want to get rid of it once and for all, here we have compiled a list of a few items that you can benefit from in order to shorten your journey towards a debt free day. There is no need to go out and look for loan offers now , as you can make sure that you get rid of your debt once and for all on your own.

Use less in everyday life

As a rule, it is recommended that you do not spend more than thirty percent of your income on your rent. If you use more than this, it might be an idea to choose a cheaper home, either a smaller apartment or house than what you have now, or a residence located just outside the city. You will quickly find that this can drastically reduce your overall consumption and give you more air in your budget.

However, if you already spend less than 30% of your income on your accommodation and you still have different debts, you will have to find other ways to save money – and fortunately, you can only make small changes to your daily lives. For example, look at your latest purchase receipts and see if there is a possibility to cut down on your overall spending. Think about whether you even have the cheapest electricity supplier in your area, and if not, you might want to consider changing the provider. The more small changes you make, the faster you will surely find that you are getting rid of your debt.

Take another job

There is no doubt that you will certainly have to make small changes in daily life to keep yourself indebted and that may mean that you will have to refuse your freedom for a while and get you a leisure job instead .

Fortunately, the possibilities are so many today, and no one says you have to work 80 hours a week. You can, for example, work a little as a freelancer when you are at home, and here there are no requirements as to how much or little you work – this is entirely up to you. In addition, it is also a clear advantage to work freelance, as you do not have the ability to control your working hours yourself, even decide where you want to work – whether you are on the move or at home.

Use less money on transport

You will probably be surprised at how much money you actually spend on transport – for example, to and from your work. This is especially true if you have your own car, but even taking the bus or train to work can also cost you expensive in the long run. If that is the case and if you are generally well aware that you spend a lot of money a month on your transport, you may want to consider whether it is possible to make it just a little cheaper. If you take the bus to work and yet do not have a long way, you may want to consider walking or cycling. It not only saves you money, but also benefits your physical and mental health!

Plan what to eat

There is no doubt that it can be nice to order take-away and go out to restaurants, but it can also very quickly go to skip your budget. It is therefore essential to plan all your meals and snacks in advance so that you can comply with your food budget. Try to prepare a food plan every week or even month at a time. In this way, you can prepare your shopping list based on what you need to eat, and therefore you will not spend more than what you can actually afford.

Also remember to treat yourself

There is no doubt that it takes a lot of hard work to make sure you have the money to set aside when the month is over. But although it is important to stay focused, it is just as important to make sure you pamper yourself once in a while – whether with a monthly cinema, something new or something else. So put aside a few hundred dollars aside every month that you can use as you like. Keep in mind, however, that it is important that you are realistic and able to meet your own limits. If not, it can quickly go wrong and you can end up using even more than what you can actually afford!

Say no to the city tours

It is undoubtedly fun to go to town with friends every weekend, but it can also hurt your budget. If you are constantly surrounded by people who love to walk in the city or spend their money on nothing, you are also more likely to end up spending more – and this trend will keep making you never get rid of Your debt. There is no doubt that your friends are affecting your daily decisions, and it is therefore generally important that you surround yourself with people who have the same financial goals you have.

It does not mean that you cannot have fun while working towards becoming debt free. As we also mentioned above, it is important that you allow yourself a little pampering once in a while, as long as everything is in the way.


What are debt collectors?

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It is not without reason that loans on the internet have become popular in the Danish market. Whatever you stand for and borrow money for, there is certainly a loan provider that lives up to your particular requirements – and as the market is huge, prices are also extremely competitive. In the past, one knew that one would pay back almost double the original loan amount, but that is no longer the case. Mortgages and other types of loans on the net are more popular than ever, and it is therefore quite possible to afford affordable loans without having to cost a fortune.

Many Danes have taken advantage of this, and for the vast majority, the installment arrangements also work fine. If you have just borrowed a single loan, it is not a problem for most people to withdraw a certain amount every month – and if you encounter problems, it is usually not something that cannot be solved with one’s loan providers. Unfortunately, there are also many people who go out and take out expensive loans that they cannot or will not pay off – and therefore end up in major financial crises.

If, for example, you have been in your situation that you have taken out a loan that you can no longer or wish to repay, your loan provider / debt collection agency may choose to bring the case to the court of law to have you repay the amount owed as agreed. This can either be done by creating a new installment scheme, or in worse cases, they can choose to take value in your real estate. It can be your house, car, your furniture or deposits – that is, all things that have some kind of value. Although this may undoubtedly seem like an unpleasant process, most importantly, you choose to attend the courtroom. If you do not, you can be called for and picked up by the police in the worst case, who will make sure you come to the meeting.

Despite the fact that many are fearing the meeting of the bailiff, it is not as unpleasant as many go and believe. Many are in financial trouble and you are not the only one. You should expect that your finances will be asked for and your ability to pay off your loan. If you have not taken the money with you, the bailiff may try to lay claim to your belongings, but only if you own things that are considered luxurious. In other words, you should be able to maintain a modest home, and you are entitled to a sofa, TV, etc., but if you own expensive electronics and designer furniture, you are expected to be able to lay them out.

Therefore, if you are considering taking out a loan online or in the bank, it is important that you have control over your financial situation. If you have already taken out a loan and you are in a financial trouble where you cannot repay it, the worst thing you can do is ignore the reminder letters. Call your creditor and find a solution that you are both satisfied with. Good luck!


Over-indebtedness, the steps to get out

Currently, many households are struggling to raise the funds needed to meet their daily needs. One of the main reasons is the fact that they are covered with debt. Most of them have to repay bank credits. These situations force them to put money aside every month. This section is reserved for these people. She will present the steps to follow to get out of an overindebtedness.

Start by filing an application with the commission in charge of over-indebtedness

Are you planning to recover and get out of your debt ? The first step that you must take is the filing of a file with the commission which is in charge of overindebtedness. In this document, you will explain your case and are you at the level of your assets or liabilities. This approach will allow you to be registered in the FICP or National File of Incidents of reimbursement of Credits to Individuals. Your file will be studied and the commission will judge whether it is admissible or not.

The duration of the study of the file is 3 months. If your request is rejected by the commission, you will hardly be able to benefit from a treatment allowing you to get out of overindebtedness. On the other hand, if it is accepted, together with the commission, you will seek a compromise to correct your situation.

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What happens once the request is accepted?

The commission will inform all credit institutions that you have started a procedure to deal with your overindebtedness. Your creditors must immediately suspend their lawsuits. They must also file receipts for their claims in a period of 30 days.

Development of a recovery plan

The commission will draw up a conventional recovery plan. The latter will be proposed to you and your creditors. It’s an amicable plan to help you resolve your situation. However, both parties must sign their names.

Within this recovery plan will be all measures designed to reschedule or postpone payments of arrears. It could also offer the sale of some real estate like houses. Finally, the recovery plan may contain statements stipulating the cancellation or cancellation of interest rates.

The recovery plan is valid for 8 years, even if it has to undergo a revision procedure. During these 8 years, creditors must stop all suits against debtors. An exception may be made if the latter do not follow all the points stipulated in the recovery plan.

Under the terms of the recovery plan, the creditors will no longer be able to sue the debtor for debts that were partially canceled.

What could result from the over-indebtedness plan?

Generally, at the end of this procedure, the debtor is no longer obliged to subscribe to a credit. In fact, when you apply for credit, you always check if the client is not in the FICP . To provide for her most vital needs, the commission gives her a source of income. Vital or capital needs are food, clothing, rent, and so on. However, the debtor must respect the payment of the creditors according to the agreements agreed and written in the recovery plan.

What happens if the board refuses or rejects the application?

Often the board rejects the debtor’s claim. Many are the reasons. One of them is the fact that the creditor and the client did not reach an agreement. In this case, the debtor can make a request for measures to correct his situation with the commission. Admittedly, the debtor will not be able to escape his debts, however he will benefit from a modification of the mode of payment.

To conclude, it is quite possible to get out of overindebtedness. All you have to do is file an application with the commission that deals with the conventional recovery plan. However, it is imperative to follow their instructions to the letter.




Bank Holidays: What about debts and transactions

eisfores trapeza 696x388 An extension of the payment of due debts to the Tax Administration during the days of special interbank transactions was published in the Gazette. The decision states:

“The deadlines for the payment of the debts due to the Tax Administration, which expire on the designated special days of interbank transactions according to article 11 of Law 3336 / 20.04.2005, are extended until the next working day. Until the same date, the payment periods of installments of installments / facilities for the payment of certified debts to the Tax Administration are extended. “


The Trans-European Automated Real-time Gross Settlement (TARGET2) system will be closed on March 30 and April 2, 2018, on Good Friday and on the second day of Catholic / Protestant Easter respectively.

These days do not coincide with holidays within the Greek Territory and therefore, according to article 11 of Law 3346/2005, are special days of interbank transactions and the provisions of this article will apply.

On these dates, the branches of the Banks will remain open, as these days are working for the staff. However, they will provide limited service to the public, since the non-functioning of the TARGET2 system does not allow certain interbank transactions to take place.


How to become debt free


Debt is a big part of Danes’ everyday life today, and unfortunately, more and more people – especially young people – end up being registered in the RKI. If you find yourself in a situation with financial difficulties, or are you already registered in the RKI, you must know that you are not alone and that it is possible to do something about it – as long as you are willing to make an effort. Today we will therefore take a look at how you become debt free as soon as possible.

Of course, how long it takes for you to become completely debt free depends on how much debt you have. It goes without saying that the more debt you have, the longer it will usually take before you get rid of the debt completely. If you have not already done so, we can first and foremost recommend that you add a budget – even if you have a good overview of who you owe what in the head. By setting a budget and including all your monthly expenses and income, you get a clear overview of how much you have to spend each month for the different companies and how much you have to live for.

If you have previously borrowed many credit loans that you have not been able to pay off, it may be worth considering whether you can collect your loans. Collecting loans is not entirely free of charge as you have to submit a request to a new provider who will then enter and collect all your loan items into a single item to be debited each month, but as you do not have to pay for several different Providers, make you both everyday easier for yourself, and minimize the risk of you forgetting to pay off and receive reminders. However, whether it is worthwhile for you to collect your loans depends on how many existing loans you already have and whether they are soon paid out. For example, if you only have 3 loan items that are still fully paid out within a year, collecting your loans rarely pays off. You should therefore carefully consider your financial situation.

If you have difficulty paying your existing debt, it is important that you are open about your situation. In fact, ignoring letters coming in by the door or calling from your loan provider is the worst thing you can do, as they will consider you not willing to make a deal that suits you both – and you can actually end in greater financial difficulties, which makes it harder for you to become debt free. Keep in mind that just because you are deleted from the RKI does not necessarily mean that your loan providers simply disappear by themselves if you have not repaid the money. The vast majority of loan providers are also willing to enter into various agreements or possibly extend the payment period a bit, so remember to communicate freely and openly with your loan provider for the best results.


Scheme for facilities for debts to insurance funds

ika oaee 300x163 Facilities for company arrears due to insurance funds, is the government considering to increase revenue and reduce the “black hole” in the levy of more than 10 billion euros

According to information, the political leadership of the Ministry of Labor and Social Security examines new ways of settling the debts of enterprises to the insurance funds, in addition to the fixed system of repayment of debts to the funds, introduced by the latest insurance law.

Payment of part

According to this information, a provision is being considered for a facility for businesses owed, which provides for the payment of a part of the debt to the Funds as a down payment and the adjustment of the balance in installments in order to have suspension of enforcement measures against debtors.

The regulation is considered to be included in the bill on the reform of the Labor Inspectorate and the information indicates that the representatives of the ETSE and professional tradesmen (GSEVEE) will have contacts with the political leadership of the Ministry of Labor and Social Security in the next few days.


Circulars of the ministry report that various scenarios for the relevant regulation are being considered, which do not include discharge of debts as in the case of tax evasion or drastic limitation of the fines already imposed. On the other hand, the case of “freezing” of overdue debts for two years and facilities for the payment of current contributions with a small percentage of the burden on the entrepreneur, as requested by representatives of the professional world, is being considered.

The debts of companies

The aim is to increase revenue and close the black hole of the levy, since the debts of about 800,000 businesses to the insurance funds exceed 10 billion euros and uninsured work is estimated to deprive insurance funds of about 9 billion euros.

To this end, the creation of the special revenue regulation committee is also under way in the General Secretariat for Social Security, which will deal with the regulation of large debts to the Funds.

It is recalled that with the latest insurance law, a fixed system of repayment of debts to the funds was introduced, while a previous arrangement for favorable repayment terms gave a “breath” to companies and the Funds, but did not yield the expected results.

Statistical data

At IKA of 282,886 businesses that owed settled debts 62,186 and in OAEE from 400,000 to 11,000. According to the fixed system, debts are expected to be repaid in 36 monthly installments, subject to the payment of current contributions by the debtor. There is also a 40% discount on surcharges in case of lump sum payment of arrears and a 20% discount on surcharges in the case of partial repayment of arrears.


Dimitris Stratoulis, member of the PG of SYN and SYRIZA’s Labor Policy Committee, on a decision to set up a Standing Committee on Large Debtors in Insurance Funds, made the following statement:

“The Deputy Minister of Labor, by deciding to activate a special committee to regulate large debts of bad payers to the insurance funds, essentially rewards tax evaders by giving the bad example to other businesses.” .Naftemporiki

New Debt Settlement Program – Involves debtors under € 500

Facilitations and incentives for regulating the debts of consumers who owe less than 1000 euros from overdue electricity bills, up to 24 installments for larger debts, today decided the Board of Directors. of PPC.

At the same time, it is also possible to revive the 36-dose regimen for those who lost it.


– For those who, on January 31, will have a debt less than 500 euros, the Board of Directors. decided to freeze this debt until the end of the year (31.12.2017) and to grant a 10% discount on current accounts, provided that they will pay them in time. This arrangement concerns approximately 1,150,000 customers with a total debt of approximately € 130 million. In order to join the program, they must apply from 1 February to 30 April.

– For debts up to € 1000, you will be able to settle in 24 monthly installments without advance payment and with immediate payment of the first installment.

– For debts above € 1,000, two options are foreseen: 10% down payment and adjustment of the remaining debt in 18 installments, or 20% down payment, and settlement of the remaining debt in 36 installments.

These arrangements apply to both small and medium-sized enterprises and self-employed persons, as well as to households. Excluded are those in the register of vulnerable customers and farmers, for whom the current more favorable arrangements continue to apply. It also maintains a 15% discount for those who consistently pay bills and installments.

– For large businesses and industries, a 10% down payment will apply and monthly installments will be based on the average monthly bill, with a minimum of 18 and a maximum of 36.

– A second opportunity is given to those customers who settled their debt in 36 installments with the program applied last year, but they lost the settlement because they were unable to meet the installments. These customers will be able to re-enter the program with the current amount of the debt by submitting a request by 28 February. – A new measure decided today provides for an additional 6% discount (over 15% for consistent customers), for those customers who pre-pay one-year electricity bills and any overdue debts. The implementation of the ‘Prepay Account’ program starts directly for large businesses, and in March 2017 it will also apply to households, professionals and small businesses.

According to the company’s data, the debt settlement program in 36 installments since April last year was completed with significant success, as total debts of EUR 1.3 billion were settled by 625,000 consumers. This amount corresponds to about 75% of the total amount due to medium and low voltage customers related to the program.

PPC’s administration first expresses its satisfaction and at the same time points out the fact that the remaining 25% will not be regulated for which the appropriate measures will be taken. It also calls on all its customers with overdue debts to respond to the new regulatory proposals and to settle their obligations, stressing that “consistency and commitment of all are a prerequisite both for ensuring the efficiency and competitiveness of PPC and for maintaining its social character and its developmental role, with reciprocal benefits for all. “