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 greatest need for support. 

We strongly recommend that you visit a debt counseling center or seek online advice. In the long run, financial worries are very stressful for the body and soul. They often lead to illnesses and problems in relationships and families. The specialists in the debtor and insolvency advice centers know about the diverse effects on all areas of life. They will listen to your concerns and problems and can offer you further assistance if necessary. The sooner you seek help, the better solutions can be found.

It's worth a try, right?