You do not have to solve everything at once. A first step is to get a clear picture.
Key points
- Financial problems can have many causes, such as losing your job, illness or separation.
- Not ignoring letters can help you avoid further costs.
- The sooner you get help, the more options you usually have.
Myth: “A new loan will solve the problem.”
Fact: Another loan often just puts debt off and can end up costing more. Have offers like these checked independently before you agree to anything.
⚠️ Be careful with “loans despite existing debt”
Be careful with offers such as “loans without SCHUFA”, instant loans requiring upfront payment, expensive “debt settlement services” or “SCHUFA deletion for a fee”. MeaNext does not broker or promote loans. A reputable debt advice service (Schuldnerberatung) will not sell you a new loan.
Step by step
- 1Get a clear picture
- 2Gather your contracts
- 3Note down payment due dates
- 4Compare your income with your essential expenses
- 5Avoid new debt where possible
- 6Do not ignore creditors
- 7Contact a debt advice service (Schuldnerberatung) early
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
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