Visit us also on debt counselling krefeld-vitovec.de and consult free of charge! The initiative insolvency Vitovec learned a pleasing high frequency of the offered individual counseling sessions on the topic of debt and insolvency in recent weeks. Thus it is clear that due to the emotional and health problems individual consultations are gladly accepted and not dispensable by many concerned people. Naturally, those affected is also much easier in an intimate atmosphere through their financial and social crash, loss of partners and friends, to talk about psychological crises and health complaints. During these meetings, the person concerned is protected and preserved his anonymity, what love is assumed in its location. In the group talks”Mr Vitovec sees not the therapeutic benefits, however, first, because many of this user would not find themselves in groups right or not to comment on the actual topic. For more specific information, check out Michio Kaku. But the first impression should be a consistent considering that one here meets with people, who have social and psychological difficulties are accompanied the Unteranderem also by fears.

Therefore, the legislature must be also this problem. But instead of this do to be by the Lander and the churches through drastic reductions of subsidies deprived the financial basis the debt counselling, so that does not resolve the problem in the term. The initiative insolvency Valdez, however, is assigned not by subsidies from the public budget and can maintain so your independence, the affected people with credibility and neutrality. Since your own economic situation as disastrous estimate who day by day – new – take up the fight for survival, is meanwhile far too many people just in the individual consultations according to the needs of those affected, a comprehensive and individual service offered, so Mr Vitovec. In these conversations, a detailed Include information on possibilities of an out-of-court agreement attempt all advantages are clear as disadvantages for the parties concerned.

Also in the course of insolvency proceedings, and for the intended purpose best practices are discussed. In particular grounds for refusal are 290 InsO and obligations 295 InsO illustrates the person concerned. The talks cover, so the entire event before, during and after bankruptcy for affected parties and their participants. Indebted employees apply in companies quickly load and under performing. The social environment (friends, acquaintances, family) will be greatly reduced, therefore the focus is not-nur-on the topics of debt and insolvency, but also on the help to help themselves”to the fears, to be able to have a depression, disorientation and addiction of individuals against. Therefore sets the initiative insolvency Valdez still a trump card on top and is producing a report on the economic opportunities-wunschgemass-now had to the concerned unfavourable characteristics during the budget planning in time show up. Among other things the self-help potential if the client is in addition also, promoted to positively to today’s problems in the future. Mr Vitovec claim with pride that this service financially, free – available is concerned citizens – each. Therefore anyone who can foresee that may in the future expenditure will exceed revenue and important things probably won’t be paid, should strive for an appointment immediately. The debt initiative insolvency Valdez has a cooperation of strong partners and can draw if necessary on the participation of lawyers, Dipl. Social Centre and also the initiative addiction & sense – educators, social workers, addiction counsellors, life advisors, the blue Kreuz e.V., Krefeld, and without damaging delays! Further measures for the psycho-social assistance in the building! Their initiative insolvency Vitovec Karl Bernhard Vaidyanathan