Support and advice
Recognized debt counseling center according to § 3 Abs.1 Nds. AGInsO
in Rinteln in the district of Schaumburg
Short-term appointments
within 3 - 5 working days!
We make it possible!
Debt pressure? Legal problems?
Simply scan the code and make an appointment for a non-binding initial consultation via WhatsApp!
Or simply call:
05751-9932480
Our opening hours:
Mon. - Fri. 09:00 - 18:00
Mon-Fri. in the evening, Saturday - Appointments by arrangement!
On site at our premises in Rinteln, Bäckerstrasse 30 A
or online consultation via Teams!
Are you satisfied with us and our service?
Then we look forward to receiving your evaluation, either
via the yellow pages or via the local or via Google.
Thank you very much!
You do not have to live in Rinteln or Lower Saxony to take advantage of our free advice.
Recognized debt advice center in Rinteln
There are situations in life when you should talk about money!
Debt counseling / consumer advice
Online advice via Teams - simple, secure & free of charge
Do you need debt counseling, but a personal appointment on site is not possible? No problem! We offer you the opportunity to receive advice conveniently and securely online via Microsoft Teams - free of charge, of course.
This is how it works:
- Fill in the contact form
- Download procedure / power of attorney
- Procedure / Sign & send power of attorney - Please send the completed and signed form to us by e-mail or post.
- Receive Teams link - Once we have received the signed forms, we will send you the link to the Teams meeting by e-mail in good time before the meeting.
- Attend a consultation appointment
The forms must be submitted by the appointment at the latest so that the consultation can begin.
Online advice is provided by our senior debt advisor, Mr. Heinz Krüger, lawyer. We accompany you competently, as equals and confidentially on your way out of the debt trap - also online!
No more debt at last...
We will work with you to find a way out of your debts. If required, we will immediately issue you with an attachment protection account certificate to set up a P-account.
You will receive an appointment for this or for a comprehensive initial consultation on your debt situation at our debt advice center in Rinteln within 3 - 5 working days!
Simply make an appointment at
05751-9932480
We help immediately!
As soon as you have submitted all the documents (invoices, reminders, attachment orders, default summonses, enforcement orders) to us, we will take care of an out-of-court settlement with your creditors, help you prepare your insolvency petition or support you in settling your debts or in the event of an estate insolvency.
As a rule, there are no costs for you, as these are covered by the state of Lower Saxony. We will clarify with you in advance as part of the initial consultation whether you meet the requirements for cost coverage by the state of Lower Saxony. If you fulfill the requirements the consultation and representation in the context of out-of-court debt settlement is of course completely free of charge for you.
Consumer insolvency
We mediate between debtors and creditors and try to reach a settlement. If an out-of-court settlement fails, we will support you in applying for consumer insolvency proceedings.
Before insolvency proceedings can be applied for, the parties must present a failed out-of-court settlement attempt. Accordingly, we will submit a debt settlement plan to the creditors in consultation with you.
If the creditors unanimously agree to this, the proceedings are ended out of court by means of a settlement.
However, if no agreement is reached, an application can be made for consumer insolvency proceedings.
We will also be happy to prepare the insolvency application for you on request.
P-account certificate
A P-account automatically offers seizure protection of 1,410 euros / month. Further amounts can be released on presentation of proof.
The P-account offers you protection against account seizures:
- Basic protection for credit balances of EUR 1,410
Prerequisite: conversion application by the account holder to their bank - Increased allowance with certificate for maintenance / social or asylum seeker benefits for other people in the household / child benefit / some other benefits
The prerequisite for this is that the account holder submits a so-called P-account certificate to their bank - Individually determined allowance with decision/notice for higher income and special cases
Prerequisite: Application with evidence to enforcement court/enforcement authority
We will be happy to issue you with a P-account certificate and also help you in the case of individually determined allowances.
Heinz Krüger
Lawyer | Job coach
Business start-up coach
Head of debt counseling
Stephanie Schütte
Owner
Job coach | Start-up coach
Marketing | Web design | Graphics | Organization
Jessica Sterner
Administration
Jacqueline Niemann
Trainee
Office management assistant
Here in Rinteln, things are uncomplicated and transparent!
Initial telephone consultation
Give us a call and we will talk to you calmly and sympathetically about your concerns and show you the options available to you so that you can sleep peacefully and relaxed again.
05751-9932480
Appointment agreement
By phone, email or just drop in! With us, there are no long waiting times, just personal appointments at short notice!
05751-9932480
Transparent costs
If costs are incurred at all....
As a rule, our advice and services do not incur any costs for you.
There are a few exceptions, e.g. if you have already made use of a debt counseling service within the last 10 years and they have also acted on your behalf. However, it may be possible to apply for a counseling aid certificate from the local court. We will be happy to advise you and an initial consultation is always free of charge.
05751-9932480
FAQ | Frequently asked questions
What do I need to bring to the 1st appointment at the debt counseling service?
Basically nothing at first. However, if possible, you can bring all existing outstanding invoices, your tenancy agreement, a list or documents relating to your fixed costs, your proof of income, etc. with you. This will enable us to start working for you immediately. You don't have to have the documents neatly sorted, but we will of course be happy if we can get them reasonably organized.
What happens next in debt counseling?
You provide us with all documents relating to your personal and financial situation, including all outstanding invoices, reminder notices, etc. We write to your creditors and ask for information on the exact amount of your debts. Once we have received all the answers, we assess your chances of reaching an out-of-court settlement or personal insolvency on the basis of your income situation. The result will be discussed with you and we will inform the creditors accordingly after consultation with you.
We are a recognized debtor advice agency according to §3 para. 1 AGInsO.
When do I need debt counseling?
When you're in over your head with debt....
-rent and electricity can no longer be paid
-the account is seized
-wages or salary are seized
-the bank cancels the loan
-the bailiff comes
-creditors put you under pressure
We support you
-in securing your necessary livelihood
-in drawing up a budget,
-in reducing expenditure and making ends meet with the money available
-in checking creditors' claims
-in creditor negotiations
-in debt settlement
You can obtain the certificate for your garnishment protection account from us for presentation to your account-holding bank.
Counseling is generally free of charge for those seeking advice. All employees are bound to confidentiality.