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Costs, Consultation Regular Insolvency | Corporate Insolvency Advisory Center - NRW Debt Counseling

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Consultation Costs

Regulation insolvency or corporate insolvency

Debtor counseling is not free as is often written!

Many people believe that debt counseling is basically free. In fact, the services of public debt counseling agencies must also be financed by taxpayer money so that insolvent debtors can receive help at all.

With over 8 million over-indebted households in Germany, the limit of burden has long been reached, leading to significant, sometimes months-long waiting times. This waiting period can significantly worsen the financial situation of the debtors.


Even at public counseling centers, costs may arise. We do not receive grants or support from government agencies or municipalities.

For the initial consultation of employees, unemployment benefit recipients, Hartz IV recipients, and retirees, a flat fee of 30 euros will be charged.

Please consider: if we take action on your behalf, additional costs will arise, which we will inform you about during the conversation.


We will provide you with the total costs for your comprehensive commercial debt counseling. There will be no additional or hidden costs for you. The incurred costs can be paid in monthly installments.

We do not provide legal or tax advice.
You are expected
  • that you are open and honest.
  • voluntary and active participation.
  • that deadlines are met.

Debt Relief and Debt Counseling in Essen and throughout North Rhine-Westphalia.
NRW-Schuldenberatung | Aachener Straße 3 | 45145 Essen | Tel.: 0201 227523
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