Saskia was pregnant and the money just wasn't enough. She already had debts and collection letters regularly ended up in the mailbox. She decided to seek assistance in debt counselling. Today, she says, "That hopelessness just disappeared."

Here she tells how she learned how to handle money as a young mother:

Stephan was self-employed and had a lot of financial responsibility. As the economy became more and more difficult, only the path to insolvency remained. Today, he says, "What insolvency has brought me is quality of life. I have a good life today. I am fine."

Here he tells us what he learned from this time.

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This is the usual procedure for debt counselling

Source: Bundesarbeitsgemeinschaft Schuldnerberatung e.V. in cooperation with Jugend-Schulden-Beratung Tübingen (Videos)