For the questions in this quiz, we asked many debt advisors how - apart from the letters from creditors - they knew that there was over-indebtedness. This is where the previous questions came from.

After evaluating your answers, you are in the

• Group with clear need for support.

It seems that you are unable to meet many of your payment obligations on time. They are already worried about their finances. Even if you have small questions or individual difficulties, a debt counseling center or online advice can often help you. The first step is the hardest - and usually the most important. Dare to take the path to a debt-free future and go to a counseling center.