 
 Personal Counseling
Talking about money and debt for the first time is often difficult. We have many years of experience in counseling. We listen and work with you to find solutions.
 
 Developing possibilities.
We work with you to get an overview, support you with applications or letters and show you where you can get further help.
We will tackle your debts with you step by step and discuss ways to get out of debt - for example through insolvency proceedings.
You decide which solution you want to use.
Notes on Online Counseling
We do not offer online counseling. Our counseling takes place by telephone or in person. For online counseling, we recommend the following websites:
- bag-sb.de 
 Federal Working Group for Debt Counseling (Bundesarbeitsgemeinschaft Schuldnerberatung e.V.)
- schuldenhelpline.de 
 The "Schuldenhelpline" is a nationwide free telephone and online counseling service from Schuldnerhilfe Köln gGmbH.
- caritas.de/onlineberatung 
 Online counseling from Caritas