What can I do if my money is not enough to pay back my debts?
Figure out your financial situation and consider which debts need to be repaid most urgently.
Contact the people you owe money to (“creditors”). Ask them if you can pay back the debt in “instalments” or ask them to settle for a reduced amount.
A debt counselling service can help you with this. They can tell you how to reduce your debt. We will be happy to help you find a debt counselling service.