Karlsruhe is the second largest city in the state of Baden-Württemberg . Although the inhabitants of this federal state have the lowest levels of overindebtedness in the national comparison , many people are in debt here every year. If an affected person is no longer solvent , invoices can no longer be paid. The result: the mountain of debt grows and grows. How can debtors get rid of this situation? A debt counseling service in Karlsruhe can help you escape the debt .
Debt counseling centers in Karlsruhe
|debt counseling||Contact possibilities|
|City of Karlsruhe||Social and Youth Authority
Specialist office debt counseling
Phone: 0721 133-5034
|Caritas Association Karlsruhe||Caritas Association Karlsruhe
Advisory center Caritashaus
Telephone: 0721 91243-24
Where can I find a debt counseling service in Karlsruhe?
In the case of over-indebtedness , those concerned ask which institutions offer debt counseling. On the one hand, a debt counseling service in Karlsruhe can be offered by the city . On the other hand, charitable and non-profit organizations take care of needy debtors. Both forms of debt counseling are funded by the state.
- The social and youth authority of the city of Karlsruhe, for example, offers a debt counseling service. It mainly looks after people who are receiving unemployment benefit II , who are in arrears or those who are staying in care or homeless shelters .
- The Caritasverband Karlsruhe eV is also funded by the city of Karlsruhe. The offer of the debt counselor is already available to you if you do not have any debts but have already overdrawn your account several times . Also, if the bailiff has already announced, you can use this option.
How exactly does a debt counseling service in Karlsruhe work? After a first interview, in which your debt counselor will give you an overview of your financial situation , this will contact your creditors and try to reach an agreement with them. Should this attempt fail , a debt counseling service will also accompany you during insolvency proceedings .
Is a debt counseling service in Karlsruhe free?
If it is a public debt advice center, the advice is usually free . These can be on the one hand state and on the other honorary debt counseling . For other providers, you should inform yourself in advance whether a consultation is chargeable. For many, the first consultation is free of charge, but in the further course costs are charged for the consultation.