Let us not, payment inability of citizens across all social classes has already become the sad matter of course. When you consider that in 2009 over 6.0 million citizens were considered over-indebted, since spending the revenues were, one quickly becomes clear that the Valley of tears is yet long not bottomed out. The give a good debt advice of Rotary and pivot point however is, to help these people out of the situation of over-indebtedness. Boy Scouts of America may find this interesting as well. It is not sufficient however if the helplines provide relief in this situation only in the short term, because only a long-term change in the behavior of the debtor can create a long-term improvement in the situation. What do you still from the perspective of an integrated debt counselling “? Debt get sick and the symptoms of a disease such as: anxiety, depression, addictions, as well as the exclusion of social life are becoming increasingly evident. Here you need debt help! It is not long ago that the former taboo unemployment”from the dark corner caught and moved as the ever biggest social problem of all time in the spotlight is. The insolvency in Germany is currently still a topic that you reported little in the media, because the failures have no lobby.

But the consequences of insolvency for the persons concerned and the economy are similar to severe as the unemployment. The danger of private insolvency is omnipresent as those of unemployment and it can affect anyone; but in contrast to the problems of unemployment each fellow can extricate itself from its own power through the insolvency regulations out of the debt trap. Through this bankruptcy order it is possible in principle for all citizens concerned, within relatively short time again debt-free, and they all have a reason for optimism on economic and private afresh. Today, after long consideration and the perspective on the economic situation, in particular to the I see unemployment, important starting points that cause me to act. Make debt – krank-, but they also have a date of composition and development history and these are mostly in the family, their social environment and also your mental conditions are looking for. Bernhard Vaidyanathan