Debt counselling in Germany — no waiting list.
Multilingual. Personal. Free first consultation.
Professional debt counselling in cooperation with Bundesverband Schuldnerhilfe Deutschland e.V. We support you personally – from the first analysis to becoming debt-free.
Your Benefits
At a glance- ✓ No waiting list – quick appointments
- ✓ First consultation 100 % free
- ✓ Advice in German and Turkish
- ✓ Cooperation with specialist lawyers
- ✓ Nationwide association – local presence
What we do for you
From the first consultation to being debt-free – everything coordinated by our office.
Debt Analysis
We provide an overview: all creditors, all claims, your overall financial situation – clear and structured.
Creditor Correspondence Support
We support you in preparing and coordinating communication with creditors – payment plans, settlements, deferrals. Legal steps are handled by our cooperating lawyers.
Personal Insolvency
If necessary, we prepare you for personal insolvency – for debt discharge after 3 years.
P-Account Protection
Immediate protection against account seizure. We coordinate the P-account setup and allowance increase.
Budget Counselling
Together we develop a realistic household budget for long-term financial stability.
Legal Coordination
§ 305 InsO certificate, cooperation with specialist insolvency lawyers – everything coordinated by us.
Calculate instantly – anonymous & free
Our online tools help you better assess your situation. No login, no data storage.
Garnishment Calculator
Calculate how much of your income is protected from garnishment (§ 850c ZPO). Available in over 18 languages.
Calculate →Debt Assessment
Answer 5 quick questions to understand how serious your debt situation is.
Start Assessment →How we work together
Five clear steps to becoming debt-free
First Contact
Free & confidential
Analysis
Understanding your situation
Coordination
Planning next steps
Implementation
We coordinate everything
Debt-free
Your fresh start
Who we are
SchuldenStop is the Stuttgart Regional Office of the Bundesverband Schuldnerhilfe Deutschland e.V. – and we are more than just an advice centre.
Behind every file is a person. Someone who lies awake at night because the letterbox only brings bills. Someone who feels ashamed, even though there is no reason. We know this – and that is exactly why we do this work.
Debt is not failure. It's a situation – and situations can be resolved. Whether through an out-of-court settlement, a structured debt plan, or personal insolvency – we coordinate the best path for you. Legal assessment is carried out by BSD e.V. and specialist lawyers.
What sets us apart:
- ✓ No waiting list – because debt does not wait
- ✓ One dedicated contact person – who knows your case from A to Z
- ✓ Nationwide network – with specialist insolvency lawyers
- ✓ Multilingual – German, Turkish and other languages
- ✓ Confidential – everything stays with us
The first step is the hardest – after that it gets easier. Call us. We are here.
As a member in close cooperation with the Bundesverband
Bundesverband Schuldnerhilfe Deutschland e.V.
As a regional office of the federal association, we combine the strength of a nationwide network with personal local support. Our work is backed by specialist insolvency lawyers.
Stuttgart Office
- ✓ Personal first consultation
- ✓ Debt analysis & documentation
- ✓ Creditor communication coordination
- ✓ Budget planning
- ✓ Ongoing support
BSD e.V. & Lawyers
- ✓ Nationwide network
- ✓ Specialist insolvency lawyers
- ✓ § 305 InsO certificate
- ✓ Court representation
- ✓ Quality standards
The Stuttgart Office handles initial consultations, data collection and organisational coordination. Legal assessments, expert opinions and insolvency steps are carried out exclusively by BSD e.V. and cooperating specialist lawyers.
For more details about membership
Learn more →What you can bring to the first meeting
No worries – we can start even without complete documents.
Helpful documents
- ✓ Payment reminders & enforcement orders
- ✓ Collection agency letters
- ✓ Bank statements (last 3 months)
- ✓ Loan agreements & payment plans
- ✓ Pay slips / income documents
- ✓ Rental agreement
- ✓ Jobcenter notices (if applicable)
How to submit documents
Bring documents in person, send by post, or use the secure upload link we send you after the first meeting.
Your questions – our answers
Everything about debt, personal insolvency, P-Account, wage garnishment and more – clearly explained.
Process, costs, documents, languages P-Account & Garnishment
Allowance, Schufa, emergency measures Personal Insolvency
Duration, costs, self-employed, housing Debt Collection & Payment Order
Objection, deadlines, enforcement
over 18 languages, nationwide, no waiting time Fast Debt Help
Immediate appointment instead of 6 months waiting
First consultation – free and non-binding
Call us, write to us, or fill out the form. We will get back to you promptly.
