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.

Debt settlement

The procedure

Make an appointment

Your contact persons

Lawyer Heinz Krüger
Head of Debt Counseling

Stephanie Schütte
Management / Head of Processing Office

Step by step - How it works after the initial consultation:

Step 1

We check that all required documents are complete and up to date
Client file creation and creation of the list of creditors
Analysis of possible solutions
We discuss these solutions with you
Determination of the target

Step 2

Claims query with the creditors or creditor representatives
Recording of responses in the list of creditors
Review with determination of the objective, change if necessary (in a personal meeting with you)
Duration: approx. 4 - 8 weeks

Step 3

Out-of-court settlement attempt with the creditors.
Recording of responses and evaluation
Duration: approx. 4 - 8 weeks

Step 4

In case of agreement: Transfer of payment plan = proceedings are concluded
In the event of failure: issue certificate in accordance with InsO - see step 5.

Step 5***

Preparation of insolvency application, including submission to
Insolvency court
Duration: 2 - 4 weeks
Proceedings are completed.

***Costs may be incurred here, but we will discuss these with you in advance if necessary

If - contrary to expectations - we are unable to reach an agreement, we will certify that you have made an attempt. This is therefore the basis you need to be able to file for insolvency!

Info: During insolvency, your existence is secured by seizure-free limits and if you have not breached your obligations during the good conduct phase, the insolvency court will release you from almost all your debts after a maximum of 3 years.

You cannot get rid of debts resulting from unlawful acts, e.g. fraud or other criminal proceedings, through a discharge of residual debt.

In such cases, however, our lawyer will take a closer look, so please do not hesitate to contact us.