Beratung bei bestehender oder drohender Schuldenproblematik Durchführung

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.

The commissioned debt and insolvency advice centers offer you comprehensive advice on all questions of debt, such as garnishment of wages or accounts. In addition, they will help you as a recognized body in accordance with Section 305 of the Insolvency Code (InsO) in conducting consumer insolvency proceedings. It is important that you have this recognition because only such advice centers can issue the necessary certificate for the implementation of the out-of-court consumer insolvency proceedings.

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

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).

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.

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.

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.

No

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

No

The commissioned debt and insolvency advice centers offer comprehensive advice on all questions of debt

Authority for Labor, Health, Social Affairs, Family and Integration