In 1999 the legislator changed the regulations for insolvencies. From then, private persons and freelancers have been able to go through the insolvency procedure including the remittal of the involved remaining debt. Even destitute debtors may go through the insolvency procedure.

Let bygones be bygones

We will accompany you step by step preparing your insolvency procedure. Together we will find out which type of insolvency procedure might be suitable for you. In a personal and confidential talk we will introduce you to our service and tell you which data of yours will be required.

Grasping the moment

Our computer program will compile and print all forms and written submissions needed. You will receive your completed petition for insolvency proceedings to be handed in by you with the public authorities responsible.

Taking charge of your future

By initiating the proceedings many things will change for you: There will be no distraint of your bank account or earnings anymore. Furthermore, all the correspondence and clearing of the outstanding debits will be regulated by a trustee assigned by us to you. This will help you to start with a fresh sheet of paper.

Consumer insolvency or general insolvency proceedings?

If one or more of the below headwords apply to you, please read the information for general insolvency proceedings:

• You are working freelance

• You have been working freelance and have more than 19 creditors

• You are an employer facing demands from

• your employees because of delayed wages and salaries payment
• the health insurance company for your contribution to your employees' health insurance
• the tax and revenues office for unpaid wage taxes

 If none of the listed criteria apply, please continue reading with  consumer insolvency proceeding.