Tips To Avoid Incurring Debts
If you gamble a lot such as casino malaysia, you can quickly have money problems but not all you can have this problem. The bills are piling up. You are afraid of being evicted from your home. Perhaps you are ashamed of your debts? It is often difficult to get an overview of your money situation on your own. But you can get help with that. However, you also have to tackle gambling yourself.
Solve debt independently
If you have little debt, you can usually solve this yourself. For example, make an overview of your finances. Or go to self-debt-regulation.nl for useful tips and a personal step-by-step plan.
Help with debts
Do you have a lot of debt and are you unable to pay it off yourself? Extra help can then be useful. There are several debt counseling organizations. Anyone who cannot (any longer) manage on their own, can ask the municipality for help. The municipality is responsible for debt counseling in its municipality and regulates which organization carries out the debt counseling. She can put you in touch with a reliable organization. You can also visit the NVVK for an overview of debt counselors who are affiliated with the NVVK.
What does debt counseling do?
Together with a debt counselor, you make an overview of your financial situation. You are going to list your income and expenses. You calculate together how high the debts are and how much you can repay. We are looking for a solution together. For example, it will be checked whether you are eligible for benefits. The debt counselor can also mediate between you and creditors if you want to make an (amicable) debt settlement. Municipalities often work together with the credit bank, social counselors, and social workers. When registering for debt counseling, keep in mind that there may be a waiting list.
Who is eligible for debt counseling?
You can get debt counseling if you:
- want advice or help with starting debts
- have debts that you can no longer handle yourself;
- are 18 years or older;
- is registered with your municipality;
- have no permanent residence or residence;
- have an income. This can also be a benefit.
- you no longer incur new debts.
- Sometimes separate rules may apply. For example, for self-employed entrepreneurs, homeless foreign nationals, or families with minor children. Representation of a parent or guardian is required for young people under the age of 18.
Apply yourself or register someone else
In principle, anyone can apply for debt assistance. Are you concerned about your own money problems? Then you can report yourself to your municipality. But others can also register someone for debt counseling. Suppose your husband gambles a lot and the debts also affect you and your family. For example, because the rent can no longer be paid. Then you, as a partner, can also register your husband with the municipality for debt relief.