How do I know I need debt counseling?

When you recognize one or more of the situations below, it is important that you take immediate action.

•  You have business debts that you can no longer pay
•  You are in arrears with the payment of your private fixed costs, such as rent or health insurance
•  You have other unpaid private bills
•  Your accounting is not in order and you have no money to realize this in the short term
•  Your tax returns were not filed on time and you have received ex officio assessments.
•  You are constantly approached by debt collection agencies en bailiffs.
•  Your creditors threaten to file for bankruptcy.

 

What we can do for you

Debt is a heavy burden. Dealing with the tax authorities, bailiffs and collection agencies costs a lot of time and energy and is at the expense of your strength and focus. This allows you to focus less on your business and improving your financial situation. By calling in Zuidweg Schuldhulp, you break this vicious circle. You can relax and focus on the things you are good at.

With Zuidweg Schuldhulp you have an independent and impartial mediator with the aim of achieving the best possible result for all involved.

If you apply for debt assistance, you do not have to file for bankruptcy . The consequences of bankruptcy are often adverse because there are no funds to pay your creditors. You can be liable for your debts for 20 years.

You are not alone. You are assisted from start to finish by the friendly and competent advisors at Zuidweg Schuldhulp.

At the end of our collaboration, you have created the optimal situation for a financially healthy future.

 

How does debt counseling work at Zuidweg & Partners?

Step 1: Everything starts with a personal meeting. We would be happy to welcome you to our office or another intake location. During this meeting, you can explain your situation to us, and we will try to gain a clear understanding of the problems you are facing. At the end of this meeting, we will provide you with immediate advice and concrete solutions.

The interview will take place within two weeks after registration. If there is a crisis situation, such as the impending eviction or closure of water or energy, the conversation will take place within three days.

Step 2: We ensure that the chances of resolving the debts are maximized. This means that we handle communication with your creditors so that you can take a breather. We also look with you at possibilities to increase your income and reduce your costs. Sometimes the bookkeeping still needs to be put in order. Should this no longer be possible with your own bookkeeper or accountant, our Zuidweg Bookkeeping Assistance may be able to help. As an entrepreneur, you often face legal issues. We are happy to be of service with this as well.

Step 3: We request a payment deferral from your creditors and check the amount and legal status of the debts.

Step 4: Together with you, we calculate what you can pay to your creditors over the next five years if you can continue with your business, and over the next three years if you close your business. Next, we enter into discussions with your creditors, present the restructuring proposal, and negotiate until an agreement is reached.

If you are interested, click here for more information.

 

What are the costs for debt counseling?

The costs for our guidance are being reimbursed by more and more municipalities. We now work with more than 170 municipalities in the Netherlands. There are no costs associated with this for the entrepreneur. Based on the Municipal Debt Assistance Act (Wgs), every municipality is obliged to offer debt assistance to entrepreneurs with problematic debts.

 

Debt counseling for employees

As an employer, you can have to deal with employees who get into financial problems. This is often due to private circumstances, such as a divorce or difficulties in selling a house, but a too high standard of living or a careless financial administration can also be to blame. As an employer, you are suddenly confronted with wage garnishments, requests for an advance on the salary, reduced productivity and so on. Unnoticed it influences your company.

Zuidweg & Partners mediates in debt problems of entrepreneurs and employees. As an independent mediator, we try to limit the damage for all involved and find a (financially) feasible solution to the problems. Are you willing to support your employee? Then refer the person to our debt counselors and experience for yourself that your employee performs better without money worries.

Would you like more information about the possibilities for financial recovery for your employee? Please contact us on (035) 538 53 50 or visit www.zuidweg-partners.nl.