Apply for debt counseling at the social services office
Free debt counseling for low-income individuals through the social services office or local counseling centers.
How to proceed
- 1
Contact a debt counseling agency
Through the Social Services Office, Caritas, AWO, Diakonie, or the Consumer Advice Center.
- 2
Inventory of all debts
The counseling center helps you get a clear picture of the situation and set priorities.
- 3
Develop a debt repayment plan
If necessary, preparation for consumer bankruptcy proceedings.
Responsible authority
The authority of your main place of residence is responsible.Find authority →
Fees
Varies by case
Processing time
approx. 2 weeks
Official: max. approx. 3 weeks
Online application
In person or by post
Common mistakes
- • Seeking advice too late (seizure has already taken place)
- • Did not bring important documents (notices of delinquency, garnishment orders)
The essentials before applying
Who is eligible?
People with excessive debt who cannot afford private counseling fees.
Income limit
The limit varies by household and region – see the table at the responsible authority or in the application assistant.
Processing time
Nationwide: approx. approx. 2 weeks
Success rate
approx. 90.0 % (estimate)
Most common mistakes
- •Seeking advice too late (seizure has already taken place)
- •Did not bring important documents (notices of delinquency, garnishment orders)
Common reasons for rejection
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.