Debtor & consumer insolvency advice

1. debt counseling and 2. consumer insolvency counseling

We offer comprehensive advice and assistance on your existing financial and personal situation. We work with you to develop a concept for overcoming your debt situation. We do not take over your debts, but rather show you prospects for debt regulation. We treat all your information confidentially and in compliance with the law. As a recognized advice centre, we will support you in the event of consumer insolvency proceedings during the out-of-court settlement attempt and during the initiation and implementation of the judicial insolvency proceedings.

What we expect from you

• active and trusting cooperation
• that you do not enter into any new debt obligations (loan, purchase order, debt restructuring)
• that you do not make any new payment promises / installment payments to your creditors (this does not apply to current rent arrears, electricity debts or impending imprisonment)
• refer the creditor to your appointment or your visit to the debt counseling service
• that you do not sign any forms during home visits (self-disclosure, assignment)
• that you fully disclose your financial circumstances
• that you keep agreements and appointments made with us

Preparing for your first appointment

Please note the relevant information on preparing for your first appointment under ->Downloads.

Open consultation hours

Open consultation hours take place every Thursday from 08:00 to 12:00. During this brief consultation, you should provide information about

• which of your debts is most pressing and why
• the amount of over-indebtedness
• the number of creditors
• The amount and type of your income

3. rent and energy debts and 4. benefits for prison inmates

We advise and support you with rent and energy debts. Under certain conditions, we offer you financial assistance in the form of taking over your rent and energy debts and assistance with living expenses in accordance with the third chapter of SGB XII. Inmates in prison have the option of having their rental costs covered in order to maintain their accommodation during their imprisonment. Inmates on remand can apply for pocket money. In addition, assistance with living expenses can also be granted in accordance with the third chapter of SGB XII.

If you have rent or energy debts, apply to have them covered!

• as an employed person (15-65 years): at Eigenbetrieb Jenarbeit (Stadtrodaer Str. 1)
  Secretariat Telephone 0049 3641 49-4701
• as a person not in gainful employment (on a pension or not receiving social benefits): to calculate your entitlement, contact the basic income support officer at Lutherplatz 3

Citizens with rejection notices from Jenarbeit and citizens in prison please contact:

Ms. Körner
2nd floor, room 2_19
Lutherplatz 3
07743 Jena
Tel. 0049 3641 49-4664

The necessary forms are available for download under "Documents".

Debtor counseling/consumer insolvency counseling

Please only bring original documents to the initial consultation with the advice center.

Knowing and organizing your exact income and expenditure situation is a very important part of debt counselling. Please take a look at the documents.

• Personal data questionnaire
• Monthly budget (together with your partner)
• Monthly budget for property (if you use a property)
• list of assets
• History of your debts
• Overview of creditors

You can download the forms under Downloads.

From 01.07.2014, only the official forms for consumer insolvency proceedings and residual debt discharge proceedings may be used to apply for consumer insolvency.

The P-account has existed since 01.07.2010. On application, you can have the garnishment allowance increased if you have maintenance obligations which you also fulfill. The relevant receipts must be submitted for 3 months.

If you receive benefits from jenarbeit, this certificate will be issued there directly.

Rent and energy debts / prison sentence

You can download and print out the application for benefits under SGB XII under "Downloads". Please attach the completed application (if available and applicable):

• Identity card/passport
• Statutory health insurance chip card or documents relating to voluntary health insurance
• Disability card
• Guardian's certificate/power of attorney
• Proof of the amount of rent:
  • Tenancy agreement and last declaration of rent changes
  • For right of residence and right of occupancy: transfer agreement
  • Proof of service charges
  • Notice of termination, eviction notice/judgment
• Proof of all income, e.g:
  • current 3 payslips + employment contract
  • Current pension adjustment notification
  • Notifications of company, supplementary and foundation pensions
  • Notifications of pension payments
  • Proof of life annuities etc.
  • Housing benefit, child benefit, child benefit supplement, parental benefit
  • BAföG, alimony, etc.
• Proof of all assets, e.g:
  • Statements of all existing accounts for the last 3 months (without gaps)
  • Savings books, fixed-term deposit or money market accounts
  • Securities, mortgage bonds, bonds
  • for house and land assets: current extract from the land register
  • in the case of residential property, rights of usufruct or usufructuary rights: Transfer agreement
• Accident, life and death benefit insurance policies with proof of the current surrender value
• Current rejection notices from jenarbeit
• Certificate of imprisonment
• Declaration of consent to data protection for jenarbeit, landlord, housing benefit

The consultation is free of charge.