Family K. in need: search for an apartment despite bankruptcy and Schufa problems!

Family K. in need: search for an apartment despite bankruptcy and Schufa problems!

Uckermark, Deutschland - Frank and Mandy K. sit on packed moving boxes and are waiting for a new apartment. This family of five struggles with the challenges of looking for accommodation during a private bankruptcy. "We terminated our apartment in Bavaria to return where our relatives live. But at the moment we are looking for and have only received cancellations," reports Frank K., who works as a truck driver. His wife Mandy works in retail and the two parents have always done their best to take care of their children.

Why is it so difficult for the family to find a suitable place to stay? The decisive reason is a negative Schufa entry that not only makes it difficult for you, but also deter potential landlords. "We never had rental debts, all outstandes come from consumer loans," emphasizes the family man. A dilemma that is known to many people in similar situations. According to Schuldnerberatung Brandt is a challenging matter during a private individual a solid financial planning.

The search becomes for the Herculean task

The family urgently needs a three- to four-room apartment with more than 70 square meters. Despite its regular income, which covers the monthly rent of almost 1000 euros, it remains difficult to find an acceptable apartment. The stress grows, especially since Mandy K. has a chronic disease that can worsen under pressure. "There is not enough living space for our relatives, so we rely on finding something quickly," she explains in a desperate appeal for understanding of her situation. It is hard to have a good knack in the search for an apartment today when the circumstances are so stressful.

A positive aspect is that the two parents continue to work and do not put their heads in the sand. This shows that you are aware of your responsibility and are actively looking for solutions. Help is also available from the Schulner-Community , where people in similar situations exchange tips and experiences. Individual users advise you to show honesty in contact with landlords and, if necessary, consider guarantees of relatives to improve their own opportunities.

help and support in searching for an apartment

The law firm and debt consultancy Brandt offers support in the form of detailed financial planning. You recommend a carefully created rental application that includes personal cover letter and current proof of income. "Such things are important to build trust among potential landlords," says a consultant to the law firm. Other options, such as a temporary living or renting in shared apartments, could also come into play in an emergency.

Frank K. urgently warns of getting into debt trap and emphasizing the decision on private bankruptcy as protection for your children. "We did this for our family to keep them from financial ruin," he says with a serious expression. It is a decision that brings with it many worries and uncertainties and which is burdening the whole family.

With a positive look to the front, they do not give up the hope of a new apartment and dream of being able to move into their own home soon. As is well known, hope dies last - and this also applies to the K. family, who firmly believes in a positive turn.