Social Authority

Search for debt and insolvency counseling centers

Debt counselling services can help you find solutions if you are having difficulty paying your debts. You can find all the counselling centers in the links section.

Detailed description

On behalf of the city, various debt counselling centers in every Hamburg district offer you a well-functioning and effective range of advice. These centers are officially recognized and employ qualified counselling professionals.


The first step towards a debt-free future is comprehensive advice on all debt-related matters. Beyond attempting to reach an agreement with your creditors, these agencies also offer long-term support, such as assistance with consumer insolvency proceedings.

The emergency consultation hours offered by debt counselling centers give you the opportunity to receive quick help with acute debt problems within a few days, for example in the case of account or wage garnishment or an appointment with the bailiff.

All advice centers can be found in the section with links.

 

Information

Prerequisites

You have debts.

Documents required

Depending on the nature of your request, documents may be necessary. The debt counseling center will inform you accordingly.

Please note

The debt counseling centers and detailed information on the topic can be found under the heading Forms, Services & Links (links on hamburg.de).

Deadlines

No

Procedure

  • You contact the debt counseling center and describe your concerns.
  • Depending on the nature of your request, the debt counseling center will inform you about the possible next steps.

Processing time

The processing time varies depending on the nature of your request. You must expect to have to wait for comprehensive advice. You can use the waiting time actively, for example, by attending events about the insolvency procedure or by compiling your documents.

Fees

Many places offer free advice. Costs may vary depending on the provider and individual circumstances. You will receive relevant information from the respective provider.

Legal remedies

No

Legal basis

insolvency law


https://www.gesetze-im-internet.de/inso/

Links on hamburg.de

Address and contact information

Social Authority

SI 2
Basic tasks of the social welfare agency

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Keywords: Debt counseling Bankruptcy, private individuals Bankruptcy advice Debt relief Bankruptcy proceedings Consumer bankruptcy Personal bankruptcy Legal advice ÖRA HS ÖRA

Last updated: 14.10.2026