Debtor and bankruptcy advice

Prerequisites

The consultation costs are covered for persons who

• receive ongoing subsistence benefits according to SGB XII, § 2 AsylbLG, the Federal Supply Act or the application laws,
• are entitled to benefits according to the Social Security Code II (basic security for jobseekers),
• only integration assistance according to §§ 53ff. SGB XII, help for care according to §§ 61ff. SGB XII or help to overcome special social difficulties according to §§ 67ff. receive SGB XII,
• However, due to their debt situation, there is a risk that they will have to claim subsistence benefits.

If you have sufficient funds of your own, you must make a reasonable contribution to the counseling costs or pay for the debt counseling in full yourself.

The assumption of the costs depends on the amount of the net household income. The income limits are staggered, so that from a certain income level, a co-payment of 180 euros has to be paid to the counseling center. The responsible basic security and social welfare office or job center team.arbeit.hamburg will then bear the remaining costs.

The open short and emergency advice can be used free of charge by all those seeking advice (regardless of the target group).

Documents required

For SGB II benefit recipients, a counseling voucher must be issued by the job center.

Please note

The open short and emergency advice can be used free of charge by all those seeking advice (regardless of the target group).

Deadlines

No

Procedure

Please contact the debt counseling center. There, the further procedure including the application will be clarified with you. If you receive benefits from SGB II, you can also contact the integration specialist directly. A voucher for the consultation will be issued to you there.

Processing time

The waiting time for further advice can be several weeks or months. The offer of a short and emergency consultation is possible at short notice.

Fees

The assumption of the costs depends on the amount of the net household income. The income limits are staggered, so that above a certain income level, a co-payment of 180 euros has to be paid to the counseling center. The responsible basic security and social welfare office or job center team.arbeit.hamburg will then bear the remaining costs.

Legal remedies

No

Legal basis

Section 14 of the First Social Code (SGB I)

https://www.gesetze-im-internet.de/sgb_1/__14.html


Section 16a of the Second Social Code (SGB II)

https://www.gesetze-im-internet.de/sgb_2/__16a.html


§ 11 paragraph 1 in connection with paragraph 5, 68 of the Twelfth Social Code (SGB XII)

https://www.gesetze-im-internet.de/sgb_12/__11.html


as well as services of general interest resulting from the Basic Law (GG):


Article 20 paragraph 1

https://www.gesetze-im-internet.de/gg/art_20.html


Article 28

https://www.gesetze-im-internet.de/gg/art_28.html

If you are in debt or over-indebted and have a low income, you can seek advice.