Initiate consumer bankruptcy proceedings in local court after an unsuccessful attempt at an out-of-court settlement—discharge of remaining debt possible after 3 years.
Damit wir File for personal bankruptcy mit dem zuständigen Insolvenzgericht in Ihrer Stadt anzeigen können.
Oder Großstadt wählen:
Sie werden zur geführten Suche weitergeleitet – mit Kontaktdaten, Termin und nächsten Schritten für File for personal bankruptcy.
Quick answer
Documents you need
List of creditors · Statement of Assets · Certificate of Failed Mediation
Responsible authority
The authority of your main residence
How to do it
In person or by post at the office
Costs
Kostenlos über ELSTER
Seek debt counseling
Attempting to reach an out-of-court settlement with creditors is a legal requirement.
Certificate of Failed Mediation
An accredited counseling center issues a certificate of failure.
Application to the District Court
Official form with a list of creditors and a statement of assets.
Insolvency Proceedings and the Good Conduct Period
Discharge of remaining debt after 3 years of complying with the rules.
The authority of your main place of residence is responsible.Find authority →
Who is eligible?
Over-indebted individuals who are not self-employed.
Income limit
Processing time
Nationwide: approx. approx. 37 months
Success rate
approx. 85.0 % (estimate)
Read the decision carefully: often submitting missing documents or reapplying helps more than an objection.
Since 2021, the discharge period has been 3 years (previously 6 years).