In Germany, but also abroad, Gelsenkirchen is mainly known as the home of the football club FC Schalke 04 . The city belongs to the administrative district of Münster in the federal state of North Rhine-Westphalia . According to data collected by the economic research institute Creditreform, 17.76 percent of all adults in Gelsenkirchen were affected by over-indebtedness in 2017 . This does not refer to the mere existence of debts , but arrears of payments to a considerable extent. Only those who do not pay regularly and within the deadline are considered over-indebted. Due to the large number of affected citizens, debt counseling in Gelsenkirchen is in demand .
Debt counseling services in Gelsenkirchen
| NAME AND FOCUS | ADDRESS AND CONTACT |
|---|---|
| Debt counseling GE (Debtor and insolvency advice) |
Debt counseling GE
Neumarktgasse 1 Telephone: 0209 70263679 website |
| Verbraucherzentrale NRW eV, Advice Center Gelsenkirchen (Debtor and insolvency advice) |
Verbraucherzentrale NRW eV, Advice Center Gelsenkirchen
Luitpoldstraße 17 Telephone: 0209 15760301 website |
| AWO Gelsenkirchen / Bottrop (Debtor and insolvency advice) |
AWO Gelsenkirchen / Bottrop
Border road 47 Telephone: 0209 40940 website |
Where is there debt counseling in Gelsenkirchen?
Over-indebtedness worries you? The debt counseling in Gelsenkirchen helps those affected.
Your own debt situation worries you, you have lost the overview and can not find a solution on their own?
If this is the case, you can get help from the debt counseling service in Gelsenkirchen in order to look more hopefully into the future.
There are basically two different possibilities for this. Debtors can be helped in Gelsenkirchen either by trained debt counselors of a non-profit debt advice center or by counseling by debtors .
Both variants have both advantages and disadvantages. If the debt counseling service in Gelsenkirchen is free because it is supported by associations or associations, you generally do not have to pay any fees for counseling. The disadvantage in this case, however, is that, because of the high demand, long waiting times may have to be taken into account.
However, who entrusted to a lawyer for debts , often gets a long consultation without a long wait . Especially if you need immediate help, a solicitor in bankruptcy law is the right choice. However, debtors must pay for the debt in Gelsenkirchen, if it is made by counsel.
How is debtors helped with debt counseling in Gelsenkirchen?
Lawyers and debt counselors essentially pursue the same goal at the debt counseling service in Gelsenkirchen: providing holistic individual help . Citizens seeking advice should again be given an optimistic view of their debts . These include, for example, the following advisory steps:
- debt analysis
- Jointly creating a debt settlement plan
- Negotiations with creditors
- Collaboration with banks on debt restructuring