Insolvenzantrag (personal bankruptcy) process
Legal & consumer
Overview
Use this when personal debt is overwhelming and repayment is impossible. Mandatory debt counseling (Schuldnerberatung) must precede personal insolvency (Insolvenz) filing at the Amtsgericht.
Timing to be aware of
When triggered
Reference only — your timing may differ. Confirm with the relevant office.
What you'll need
- Debt overview
- income/expense documentation
- creditor list
Common questions
Questions people often look up at this stage. Answers are general — confirm with the relevant office or a qualified professional.
- I need a bank account to sign my rental lease, but I can't get an Anmeldung without a lease—how do I break this loop?
- I've tried the video call verification five times, but the agent keeps hanging up saying my passport is "not supported."
- I want to make sure my rent is paid on the 1st of every month without me doing it manually; what is this called?