Congratulations! 

You are well prepared to start negotiations with the creditors! Depending on the financial capacity and assets, various options come into consideration: instalment or one-off payments to individual creditors, a judicial debt settlement procedure, insolvency proceedings or simply a life with the debts. In any case, it makes sense not to make this decision about your way out of debt alone, because stumbling blocks lurk in many places. It is important to recognise time-barred and unjustified shares of claims, to have different negotiation strategies at hand and to be able to put forward sound arguments. A good debt counselling centre can support you in all these points, and you are well prepared for the counselling.