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 the lowest need for support.

Congratulations, you seem to have your finances well under control! You don't appear to be over-indebted, at most you are in debt. Stay on track, continue to plan your expenses in advance and take time to think about money. And if you do need support, you know that even with small questions and initial difficulties, a debt counseling center or online advice can often help you. Simply take advantage of this offer when you need it.