Free debt counseling for low-income individuals through the social services office or local counseling centers.
Damit wir Apply for debt counseling at the social services office mit dem zuständigen Sozialamt in Ihrer Stadt anzeigen können.
Oder Großstadt wählen:
Sie werden zur geführten Suche weitergeleitet – mit Kontaktdaten, Termin und nächsten Schritten für Apply for debt counseling at the social services office.
Quick answer
Documents you need
Identification card or passport · Form / Application
Responsible authority
The authority of your main residence
How to do it
In person or by post at the office
Costs
Kostenlos – keine Gebühr für den Antrag
Contact a debt counseling agency
Through the Social Services Office, Caritas, AWO, Diakonie, or the Consumer Advice Center.
Inventory of all debts
The counseling center helps you get a clear picture of the situation and set priorities.
Develop a debt repayment plan
If necessary, preparation for consumer bankruptcy proceedings.
The authority of your main place of residence is responsible.Find authority →
Who is eligible?
People with excessive debt who cannot afford private counseling fees.
Income limit
Processing time
Nationwide: approx. approx. 2 weeks
Success rate
approx. 90.0 % (estimate)
Read the decision carefully: often submitting missing documents or reapplying helps more than an objection.
Free—no application fee.
Typically about 14 business days—depending on the agency and its workload.