Debt problems are often precipitated by adverse events such as unemployment, separation, divorce or illness.
The Debt Advisory Service (Soziale Schuldnerberatung) aims to help families and individuals who:
• want advice on or support with debt problems
• have questions about their debts
• are at risk of bankruptcy due to attachment and seizure of their assets by creditors
• would like advice about debt in advance
The Insolvency Code (Insolvenzordnung), which entered into force in 1999, enables honest debtors to free themselves from often lifelong debt and make a new start financially.
All advisors at the advice centres listed below are obliged to treat all enquiries in confidence.
Debt and insolvency advice centres in Münster
Arbeiterwohlfahrt Unterbezirk Münsterland-Recklinghausen
(Workers ' Welfare Association, sub-district Münsterland-Recklinghausen)
Hochstr. 12, 48151 Münster
Caritas-Verband für die Stadt Münster e.V.
(Caritas Association for the City of Münster e.v.)
Josefstr. 2, 48151 Münster
Beratungs- und BildungsCentrum der Diakonie Münster
(Advice and education center of the Diakonie social services organization)
Alter Steinweg 34, 48143 Münster
Stadt Münster, Sozialamt
(City of Münster social welfare office)
Hafenstr. 8, 48153 Münster
(Northrhine-Westphalia consumer advice centre)
Aegidiistr. 46, 48143 Münster