If you have several outstanding debts at once, sorting them can help. This does not yet mean deciding what to pay first.
Key points
- For each claim, write down the creditor, amount, instalment, next deadline and reference number (Aktenzeichen).
- Keep all letters about the same claim together.
- The MeaNext tools overview helps you sort things out – only on your device.
- HousingRent and service charges (Nebenkosten)
- EnergyElectricity and gas
- Everyday needsEssential living costs such as food and medication
- Financial debtsLoans, credit cards, instalment purchases, overdrafts
- Public authoritiesPublic-sector claims, for example from the tax office (Finanzamt) or for the broadcasting fee (Rundfunkbeitrag)
- OtherContracts, mobile phone, internet and other claims
MeaNext provides general information about debt, payment reminders (Mahnungen), garnishment (Pfändung) and financial problems. This information does not replace individual debt, legal or financial advice. Deadlines, contracts, types of claims and personal circumstances may be crucial in your particular case.
Last reviewed by a specialist: 09/10/2026
Terms on this page
Tap a word. The terms stay in German so you recognise them in letters and forms.