File for personal bankruptcy in Worms
In Worms we expect about approx. 37 months processing time for File for personal bankruptcy – responsible: Insolvenzgericht Worms.
Quick answer
- 1
Documents you need
List of creditors · Statement of Assets · Certificate of Failed Mediation
- 2
Costs
Kostenlos über ELSTER
Processing time
approx. 37 months in Worms
The Insolvenzgericht Worms in Worms currently needs about approx. 37 months. Booking an appointment online saves waiting time at the counter.
Official: max. approx. 1 months
How to proceed
- 1
Seek debt counseling
Attempting to reach an out-of-court settlement with creditors is a legal requirement.
- 2
Certificate of Failed Mediation
An accredited counseling center issues a certificate of failure.
- 3
Application to the District Court
Official form with a list of creditors and a statement of assets.
- 4
Insolvency Proceedings and the Good Conduct Period
Discharge of remaining debt after 3 years of complying with the rules.
Required documents
- List of creditorsMandatory
- Statement of AssetsMandatory
- Certificate of Failed MediationMandatory
The essentials before applying
Who is eligible?
Over-indebted individuals who are not self-employed.
Income limit
Success rate
approx. 85.0 % (estimate)
Most common mistakes
- •Did not seek debt counseling
- •Complete list of creditors is missing
Common reasons for rejection
- •No evidence of a failed attempt at an out-of-court settlement
Alternatives
- Check related services in the application assistant
- Use social counselling before applying
If rejected
Read the decision carefully: often submitting missing documents or reapplying helps more than an objection.
Everything about File for personal bankruptcy
Questions & Answers
How long does personal bankruptcy take?▼
Since 2021, the discharge period has been 3 years (previously 6 years).
Freshness & source
- Maintenance
- Continuously reviewed & updated
- Source
- ELSTER – Finanzverwaltung
- Data quality
- 100 %