It is not my fault…
Anyone who is in debt must repay or deliver 100% means pay 100%. Everyone understands this, but there is also a lot of understanding for people who are in a problematic debt situation and who want, but cannot, pay.
When entrepreneurs come to us and hand over the list of debts to us, we first get to work to check the amount and nature of the debts. And whether the list of debts is complete. If the amount of the total debt on the application form is still € 80.000, after checking the statement by the creditors, the average debt will quickly rise to about € 140.000. The legal check of the nature of the claims is also quite a puzzle. For example, we investigate whether deliveries were made subject to retention of title, there is a right of pledge, by whom and when the debts were incurred, inability to pay has been reported to the tax authorities in time (especially for entrepreneurs with a BV), and has been signed privately. and what is the marital status? Unfortunately, it happens all too often that the private partner has no idea that he or she can also be personally liable if they are married in community of property. It is not my fault…
Now it also happens that a claim is overstated by the creditor or that there is a dispute about part of the service or product provided. Often people want to go to court. It is not (entirely) my fault! It is better, however, to investigate whether it makes sense to go through a long-running dispute procedure and incur many costs, while it is clear beforehand that in the end only a very small part can be paid in a debt restructuring. Good open communication with the creditor often ensures that the correct debt can still be included in the debt list.
The Tax and Customs Administration is the most common creditor among entrepreneurs and ex-entrepreneurs with problematic debts. This is not my (tax) debt! Something that many entrepreneurs report to us and which is usually correct. The debt often consists of ex officio assessments because the entrepreneur has not made a declaration due to no or inadequate accounting. Getting the accounts in order is then a first priority and after the correct declarations have been made, that debt finally decreases.
After the income side to the future is also clear and the creditors have agreed to the debt settlement, there is finally perspective for the future again.
Debt? Never again!
jacqueline