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SchuldenStop · March 2026 · 8 min read

Multilingual Debt Counselling in Germany — Initial Consultation in German, Turkish and English

Are you struggling with debt in Germany and don't speak German well? SchuldenStop helps you quickly, discreetly and nationwide — initial consultations in German, Turkish and English. Information in 16 languages on our website.

Why is multilingual debt counselling so important?

Over 12 million people with a migration background live in Germany. Many speak German as a second language — and when it comes to complex topics like debt, account seizure or personal insolvency, everyday language skills are often not enough.

Anyone who cannot understand payment reminders, cannot assess debt collection letters or does not know the technical terms in German debt law quickly loses track. The result: debts grow, deadlines are missed and the situation escalates — up to account seizure or eviction.

The problem: Most public debt counselling centres in Germany only advise in German. Waiting times of 3–6 months are common. For people who speak little or no German, the barrier is twice as high.

This is where SchuldenStop comes in: As a nationwide debt coordination service, we offer initial consultations in German, Turkish and English — with information in 16 languages on our website. Fast, personal and without months of waiting.

16 Languages — Information in Your Language

At SchuldenStop, we conduct initial consultations in German, Turkish and English. Our website offers comprehensive information in 16 languages — so you can inform yourself in your language beforehand. For other languages, we find a solution together.

Languages available on the website: Deutsch, Türkçe, English, العربية, Русский, Română, Українська, Български, Српски, Shqip, Polski, Hrvatski, Bosanski, Ελληνικά, Italiano, ภาษาไทย.

What exactly does SchuldenStop do?

SchuldenStop is not a lawyer and not an accredited debt counselling centre — it is an organisational coordination service that manages the entire process for you:

Free initial consultation — Quick assessment of your situation, no obligation.

Document collection — We help you gather all documents: reminders, debt collection letters, bank statements.

Budget planning — Together we create an overview of your income and expenses.

Creditor communication — We coordinate contact with creditors and debt collection agencies.

Referral to specialist lawyers — For legal steps (personal insolvency, out-of-court settlement, P-Konto with protected amount of 1,560 EUR) we refer to BSD e.V. and specialist insolvency lawyers.

A real-life example

A person affected from Stuttgart — father of three — lost his job and fell into a debt spiral. Over 40,000 euros in debt, payment orders, debt collection demands. At the public counselling centre: four months waiting time. At a lawyer: 3,000 euros fee — money he didn't have.

At SchuldenStop he got an appointment within three days — in Turkish. No legal jargon, no jungle of paragraphs, but a conversation at eye level. Today his insolvency proceedings are running and he has regained control of his finances.

Fair conditions — no excessive lawyer costs

Traditional lawyer fees for insolvency advice range from 2,000 to 3,000 euros — money that over-indebted people simply don't have. If they had the money, they would have paid their debts long ago.

SchuldenStop offers fair, transparent conditions: significantly cheaper, with a free initial consultation and flexible payment options. Because we understand that people in debt cannot afford excessive consulting costs on top of everything.

SchuldenStop is a coordination service and does not provide legal advice under the RDG. Legal advice and representation is provided exclusively by Bundesverband Schuldnerhilfe Deutschland e.V. (BSD e.V.) and cooperating specialist lawyers for insolvency law. All information without guarantee. March 2026.