Support and advice

Recognized debt counseling center pursuant to § 3 (1) Nds. AGInsO (Lower Saxony Insolvency Act)
in 31737 Rinteln and 31785 Hameln

Short-term appointments
within 5-7 business 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:

Rinteln location: 05751-9932480

Hameln location: 05151- 9969530

Our opening hours at the Rinteln location: Tel. 05751 - 993 24 80
Mon. - Fri. 9:00 a.m. - 6:00 p.m.
Mon–Fri in the evening, Saturday - By appointment!

Our opening hours at our Hamelin location: Tel. 05151 - 996 95 30
Appointments by arrangement only!
Simply call or send an email to info@sbz-schuldnerberatung.de

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 Lower Saxony to take advantage of our free consultation service.

Probate insolvency

If the inheritance consists of debts...

Make an appointment

Your contact persons

Lawyer Heinz Krüger
Head of Debt Counseling

Stephanie Schütte
Management / Head of Processing Office

The loss of a loved one is always difficult. In addition to the time of mourning, you often also have to deal with the issue of inheritance. However, it is not always the case that heirs inherit great wealth. If the deceased had outstanding debts to creditors and was liable with his or her inheritance, then the creditors can actually claim these debts from the heirs.

Even your own assets are not protected in such a situation. You must therefore expect that you will have to pay your relative's or spouse's debts from your own income and assets.

If you are unable/unwilling to settle the debts of your relative or partner under any circumstances, you can generally refuse the inheritance or alternatively apply for probate insolvency.

Estate insolvency is the ideal solution in the event that it is not known whether the estate is indebted or even insolvent. In this way, your liability as an heir can be effectively limited.

In short:

Heirs can not only inherit wealth, but also debts!
Creditors have the right to claim the debts from the heirs!
Heirs have the option of filing an application for estate insolvency with the competent insolvency court!

The estate insolvency

There are only two possible prerequisites for an estate insolvency:

Over-indebtedness of the estate
Insolvency of the estate

Course of the procedure:

An application for probate insolvency must always be filed with the competent insolvency court. As the "heir", you are still liable for the inheritance, but you no longer run the risk of being liable for the deceased's debts with your own income/assets. In this situation, you as the heir only have to pay outstanding debts from the estate.

You file an application for probate insolvency with the competent local court.
The court appoints an insolvency administrator whose task it is to list the outstanding debts and contact the creditors in order to develop repayment proposals.
Often the outstanding debts cannot be settled with the estate. In such a case, the insolvency administrator tries to make arrangements with the creditors so that as many debts as possible can be settled.

In such a situation, file the application as soon as you know that you are not in a position to pay the deceased's debts. As soon as you realize this, you are actually obliged to file this application with the insolvency court.

Find out in good time to avoid high costs and many problems. We will be happy to advise you!

The head of our debt advice service is Mr. Heinz Krüger, a lawyer who is also very experienced in this area.