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 low support needs.

Some of your answers show signs of a financial problem. Maybe you're already worried about unpaid bills and don't know how best to handle the situation. Remember: even if you have small questions and initial difficulties, a debt counseling center or online advice can often help you. You can often get advice for free. Why don't you just try it before the situation gets worse?