Debt Advisory and Restructuring

The advice is individual and depends on your personal situation. As a basis, we draw up a budget and get an overview of your debts.

We explain the rights and obligations of a debtor vis-à-vis creditors, but also the opportunity to negotiate correctly so that debts can be settled in the best possible way.

We are an advice center. We do not give out loans or donations to pay off debts. Our advice is based on the guidelines of the Zurich Debt Advisory Service.

We will check your contracts, if you do not have them at hand, we will work together to ensure that they are sent to you by the creditors.

Together we work out a list of debts that is up-to-date and shows the actual debts so that you know where you stand.

If you are facing personal bankruptcy, we can help you to check your minimum subsistence level and, if necessary, apply for extended emergency needs so that you can work off your debts more easily. There are various solutions depending on the situation.