Debtor and insolvency counselling of the City of Munich
Counselling and help with debt and over-indebtedness, out-of-court settlements with creditors, support in applying for consumer insolvency proceedings.
Description
Debtor and insolvency counselling is based on a holistic counselling concept. The first priority is to stabilise the client's existential situation. This primarily includes maintaining housing and ensuring payment of electricity and food.
We provide assistance and advice on
- taking stock of personal and economic circumstances
- securing their material livelihood
- household and budget planning
- Questioning and reflecting on consumer behaviour
- coping with personal, family and other social problems
- Identifying alternative options in consumer behaviour
- activating the potential for self-help
- clarifying legal and financial issues
- Debtor protection measures (e.g. raising the garnishment exemption limit)
- the creation of a debt settlement concept
- debt settlement through an out-of-court agreement with creditors
- debt settlement through judicial insolvency proceedings
The municipal debtor and insolvency counselling service offers a hotline service to all citizens seeking advice on weekdays.
You can reach the hotline Monday to Thursday from 9 am to 3 pm and Fridays from 9 am to 12 pm on 089 233-24353.
Special contact points
- Deaf Munich residents can contact the Social Service for the Deaf.
- Munich residents without their own home should contact the Central Assistance Centre for the Homeless.
Required documents
Debtor and insolvency counselling processing form and documents relating to liabilities.
You can obtain the processing form from the relevant social centre.
Questions & Answers
Our cooperation organisation FIT-FinanzTraining is also available to help you clarify your financial situation and plan your budget. FIT-FinanzTraining was initiated in 2005 by the Verein für Fraueninteressen e.V. (Association for Women's Interests) and has been working on behalf of the Social Department of the City of Munich in close cooperation with the municipal debtor and insolvency counselling service since 2006. They can help you prepare the documents to register with the debt counselling service.
If necessary, voluntary household counselling can also be arranged for a limited period of time.
Please contact your local social welfare centre immediately. There is a special specialist centre for preventing homelessness.
A consumer advice centre or a lawyer can provide you with information on consumer law or legal issues:
Verbraucherzentrale Bayern e.V.
Mozartstr. 9
80336 Munich
Phone: 089 539870
Fax: 089 537553
E-mail: info@vzbayern.de
For legal advice for low-income citizens, please contact the
office of the Münchener Anwaltverein e.V.:
Maxburgstraße 4 / C 142
80333 Munich
Tel.: 089 295086
Fax: 089 29161046
Office hours:
Monday, Wednesday, Friday 9 am to 11.30 am
(in August only Monday and Wednesday)
Registration by 11 a.m. - proof of need must be provided!
In negotiations with creditors, agreements on instalment payments, deferrals or settlements can be reached.
In the event of consumer insolvency proceedings, we support you as a recognised advice centre in attempting to reach an out-of-court settlement and in initiating and conducting court insolvency proceedings.
We also advise self-employed small business owners on standard insolvency proceedings as part of our self-employed counselling service.
To initiate debt counselling, please contact the district social work office in the social community centre responsible for your district and make an appointment for an initial brief consultation.
Legal basis
§ Section 16 a of Book II of the Social Code (SGB II),
§ Section 11 para. 5 Social Code XII. Book (SGB XII),
§ 305 ff. Insolvency Code (InsO),
Art. 112 to 116 Bayer. Law on the Implementation of Social Laws (AGSG)