For the debtor
There can be many reasons for debts, and you are not always to blame.
Services
For the debtor
We assess the content and legal basis of the debt claim:
We advise and represent the debtor to terminate a void claim.
We advise on the payment and planning of specific debts, according to the actual capabilities of the debtor:
We help debtors focus on paying off debt and achieving financial stability by obtaining additional resources and by processing the debts owed to them.
We make agreements and coordinate tripartite payment schedules with the creditor:
We ensure compliance with agreements by all parties.
We help to plan the use of financial resources in paying off debt and in daily routine activities.
For the debtor
Fee arrears
Debt notice
Debt notice:
The main debt
Additional claims
Expenses incurred to collect the debt
Second debt notice (from)
Increasing:
Additional claims and incurred expenses
Who will be notified:
the Payment Default Register
Conclusion of a payment schedule
Notarial agreement
Additionally:
Notary fees
Court proceedings
Additionally:
Court and state levy costs
Court proceedings
Enforcement proceedings of the bailiff
Additionally:
Bailiff’s costs
For the debtor
Together, we will find the best solution to get out of debt
Do not ignore debt notices, other debt-related reminders, or official announcements. Delays in paying debts can lead to additional debt obligations and other inconveniences in everyday life.
It may also involve debt collection through court, and informing the public of your financial difficulties, including through payment default registers. This significantly limits your credit options, leads to additional financial costs, and may ultimately limit your basic rights as a citizen, based on a court decision.
There can be many reasons for debts, and you are not always to blame. As an independent party, the ‘Ombudsman’, we understand the specifics of payment behavior and will help you find flexible solutions for paying debts based on you and your capabilities. We will find measures that will help you cope with your payments while maintaining your economic sustainability.
