You can register yourself for debt counseling at the municipality. Your municipality must schedule the first meeting within 4 weeks after registration.

Do you need urgent help due to a difficult situation? Then you often receive help within 3 days.

Do you meet the conditions of your municipality? Then you get a debt counselor. Your debt counselor will then try to make agreements with the creditors. These are all persons and organizations with whom you are indebted.

Your debt counselor:

• makes a plan to solve your debts
• makes written agreements with you
• pays your fixed costs in the beginning
• gives you weekly money for your daily expenses

You pay off as many debts as possible within 3 years. What remains of debt after that, you often do not have to pay anymore. This is called a clean slate. Does the judge think you didn’t cooperate enough? Then he can extend the period from 3 years to a maximum of 5 years.

What are Debts? See Steffie’s explanation hier