Savings in debt counseling: What does that mean for those seeking help?

Savings in debt counseling: What does that mean for those seeking help?

Aalen, Deutschland - The Ostalbkreis recently made changes to debt counseling, which will come into force from April 1, 2025. This reform provides for the settlement of debt counseling at the job center and thus affects the structure and the offer considerably. As the Schwäbische Post , this restructuring is only perceived, which is perceived for a cancellation of two full personnel positions leads.

The realignment is fundamentally limited to the advice of people who relate to citizens' fees or social assistance. This clientele only makes up about 25 percent of the previous target group. However, the Diakonie has offered to support not primarily authorized persons. According to the reform, 4.2 full-time positions remain in the team of the debtor and insolvency advice, which are only used by six employees.

advice centers and offer

The advice centers of the debtor and bankruptcy advice are located in Aalen and Schwäbisch Gmünd. These were opened on May 7, 2025. The locations are the job center in Aalen, Hopfenstraße 65, and the job center in Schwäbisch Gmünd, Bahnhofplatz 1. A previous appointment is imperative to receive access to advice. The telephone accessibility is available on 07171 32-4232, and consultants are available on certain days of the week.

The offer is free for citizens who are in financial difficulties. Usually there are such problems from different causes, such as unemployment, illness, divorce or failed self -expression. These circumstances can lead to problems such as garbage seizures, account locks and family crises, which in turn exert pressure on those affected.

causes and statistics on the subject of over -indebtedness

The need for such advisory services should not be underestimated. According to the Federal Center for Political Education In 2019, around 4.0 million adults were affected by a high over-indebtedness intensity, which 5.8 percent of the adult corresponds. Over 62,600 applications for consumer solutions were submitted this year, with claims of a total of 2.66 billion euros.

The main causes for this over -indebtedness are diverse and aim at social trends. Unemployment is the most common reason with 19.9 percent, followed by diseases and is looking for 16.3 percent. Uneconomical housekeeping is also an important factor with 14.3 percent. This situation is to improve through effective support and advice.

With the new structures implemented in the Ostalb district, District Administrator Dr. Joachim Bläse will re -evaluate the situation by the end of summer 2025. The goal is a sustainable improvement in the services for those who are urgently dependent on support to regenerate their financial circumstances.