Debts

In the Netherlands, 1 in 5 households has problematic debts or is at risk of getting them. Problematic debts are debts you can no longer get out of by yourself. There are many things you can do to prevent this.

What do you want to know about?

Accrued liabilities

Are your debts piling up more and more? Health that you keep track. Open all mail immediately. Put bills and bank statements by date and type by type. That way you know when to pay what and to whom. It is also good to keep a housekeeping book. It shows all your income and expenses: how much money comes in and how much goes out. On the website Wijzer in geldzaken you can track your income and expenses online.

Stop spending that is not really necessary. Do you find that difficult? On the website of the Nibud are many tips to save. Do you receive a bill or a reminder that you have not yet paid (reminder)? Call and ask if you can pay in parts. Is that not possible? Then ask for a postponement of payment. You may then pay later.

Dealing with money

Nibud offers advice and tips on handling money, saving on subscriptions and telephones, saving and borrowing, for example. The Wijzer in geldzaken website also has a lot of information on saving money and making ends meet.

It is useful to make a household book to keep track of your income and expenses. On Wijzer in geldzaken there is an overview of household books. It can happen that your washing machine or car breaks down. These are extra expenses you did not count on. You can make a pot for this. This means that you keep money aside. On the website you can calculate how big this pot should be.

Website Wiser in Money Matters

Young and debt

Are you young and in debt? Nibud voor Scholieren is full of tips on handling money. Also check the websites Wijzer in geldzaken or Zelf je schulden regelen. Here you will find, among other things, a repayment plan and sample letters if you want to ask if you can pay later (postponement of payment).

Paying off debts

Are you no longer able to pay off your debts yourself? Solve it as soon as possible before you incur additional expenses. Be careful when borrowing money from expensive lenders. Especially not if you can borrow money without having your registration with the BKR (Bureau of Credit Registration) looked at.

The website Zelf je schulden regelen has a lot of information. Here you will find, among other things, a step-by-step plan and sample letters to ask for a postponement of payment. You may then be allowed to pay later. Also check out the website of the Legal Help Desk.

Debt relief

Are you in debt and having trouble paying it off? Health make sure it doesn't get worse. Work with the municipality to find a solution.

Do you live in Geldrop-Mierlo? Are you older than 18 years? Then contact the CMD. Within four weeks you will have an initial interview. During that meeting the municipality will examine with you how big your debts are and what help you need.

Call the CMD: 040 289 38 99

Threatening situation

Is there a threatening situation? For example, an eviction or disconnection of gas, water and electricity? Then the first interview is within three working days.

Problems with creditors

If you have not paid a bill on time, the person to whom you owe the debt (creditor) will send you a number of reminders. If you do not respond in time, the creditor may use a collection agency. The contact now goes through this agency. For this, the collection agency charges costs. You pay these on top of the debt you already have. A final step is the bailiff. This can - by order of the creditor - do more than a collection agency, for example clear your home. There is always a court case before an "estate attachment" may be carried out. Almost always, your income is seized first. This also goes through the courts.

Don't let it get that far. Try to agree on a payment schedule when the arrears are not yet that big. You can find more information on the website Managing your debts yourself.

Legal advice

Do you need legal advice? Tips can be found on the website of the Legal Help Desk. There are also letters here that you can use to ask for a deferral of payment, for example. You will then pay later.

Credit Bank

Sometimes you don't manage to take out a loan. For example, due to low income or too much debt. Would you like to borrow money and you don't succeed at a regular bank? Then you can apply for a (digital) loan at the Kredietbank Nederland. Schuldhulpverlening cooperates with the Kredietbank Nederland in Leeuwarden. The Kredietbank takes care of the assessment.

Make an appointment

Contact the CMD to make an appointment. The Debt Assistance Client Advisor will tell you what to bring, such as bank statements or a housing or rental contract.