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Money & benefits

Debt advice

Official name: Prepare for debt advice

Debts are money you owe to someone. If there are too many, a debt advice service helps you. Here you prepare for the meeting.

Check what applies to me

No account · Answers stay in your browser

Steps
4 key steps, up to 6 depending on your situation
For you
4 short questions, then you see your steps
Main office
Schuldenberatung / Wohnschirm / MA 40
Costs
none named in the sources
Online
possible for 1 of 6 steps
What applies to you?How it worksFrequently asked questionsSourcesSimilar plans

How it works

These are the key steps, in the right order. Answer the short questions; then you see exactly what applies to you and what is added.

  1. 1Book a free advice appointmentThe FSW Schuldenberatung helps people with debts. It is recognised by the state.Key step
    Why?
    The advice is free. It is confidential. That means what you say stays private.
    What you do
    Make an appointment. You can do this online or by phone.
    Where?
    FSW SchuldenberatungDirectly with the named service
    In detail

    Arrange free advice directly

    Book with the state-recognised FSW debt advice service online or by phone. Advice is confidential and free.

    SourceKostenlose Schuldenberatung: Termin
    Kostenlose Schuldenberatung: Termin

    FSW Schuldenberatung · retrieved on 09/10/2026

    Open original source
  2. 2List income, spending and debtsA household overview is a list. It shows what you earn and what you spend. Claims are money that others want from you.For everyone
    Why?
    This way the advisers quickly see your situation. Then they can help better.
    What you do
    Collect pay slips, bills, reminders and letters from the court. Write down your income and spending. Do not enter any of it in this app.
    Where?
    Own preparation / SchuldenberatungDirectly with the named service

    What you need

    • Income evidence
      Document explained

      Bring available evidence to the meeting.

      Requirement
      Check for your case
      Submission format
      Clarify format with the service
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceUnterlagen für die Schuldenberatung
      Unterlagen für die Schuldenberatung

      ASB Schuldnerberatungen · retrieved on 09/10/2026

      Open original source
    • Invoices, reminders and court documents
      Document explained

      Keep existing debt records organised.

      Requirement
      Check for your case
      Submission format
      Clarify format with the service
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceUnterlagen für die Schuldenberatung
      Unterlagen für die Schuldenberatung

      ASB Schuldnerberatungen · retrieved on 09/10/2026

      Open original source
    • Your income and expenditure overview
      Document explained

      Organisational list for the meeting.

      Requirement
      Optional / if available
      Submission format
      Clarify format with the service
      Translation
      No specific rule recorded; clarify foreign-language records with the service.
      Authentication
      No specific rule recorded; clarify need before obtaining records.
      Recency
      No fixed age limit recorded; clarify currency with the service.
      SourceUnterlagen für die Schuldenberatung
      Unterlagen für die Schuldenberatung

      ASB Schuldnerberatungen · retrieved on 09/10/2026

      Open original source
    In detail

    Organise income, expenses and debts

    Prepare your household overview and gather existing debt records for the meeting. This platform does not collect amounts, creditor names or letters.

    SourceUnterlagen für die Schuldenberatung
    Unterlagen für die Schuldenberatung

    ASB Schuldnerberatungen · retrieved on 09/10/2026

    Open original source
  3. 3Mention unpaid rent or bills earlyArrears means you have not paid something yet. For example rent or electricity.Key step
    Why?
    Your home and electricity are very important. So you mention this early.
    What you do
    Tell the debt advisers. Ask for help. Also ask about the offers from the Wohnschirm and the MA 40, the Vienna social office.
    Where?
    Schuldenberatung / Wohnschirm / MA 40Directly with the named service
    Related plansApply for minimum income supportTrouble with your rented flat
    In detail

    Raise essential living costs promptly

    Mention overdue current rent and energy bills. Ask debt advice about appropriate assistance and clarify current Wohnschirm or MA 40 services.

    SourceSchulden: Vorbereitung und Existenzsicherung
    Schulden: Vorbereitung und Existenzsicherung

    FSW Schuldenberatung · retrieved on 09/10/2026

    Open original source
  4. 4Have court letters checked right awayMaybe you have letters from the court. They often contain deadlines. A deadline is a time by which you must do something.Key step
    Why?
    Deadlines are important. Missing them can cause problems.
    What you do
    Show the letters to the advisers soon. There you find out what you can do. The app does not work out deadlines.
    Where?
    Schuldenberatung / Legal adviceDirectly with the named service
    In detail

    Promptly review court deadlines with qualified advice

    Promptly show court documents to the adviser and clarify your options. This plan does not calculate appeal deadlines or prescribe a repayment plan.

    SourceUnterlagen für die Schuldenberatung
    Unterlagen für die Schuldenberatung

    ASB Schuldnerberatungen · retrieved on 09/10/2026

    Open original source

Depending on your situation, this is added

  • Check your appointment and preparation
  • Get advice for your business
Use the questions to find out which of these apply to you
Tailored to you

What applies to you?

Answer a few short questions. The steps change right away: what does not apply to you drops out.

Question 1 of at most 4

Do you already have an appointment with the debt advice service?

What is meant? Do you already have an appointment with the debt advice service?

Is an advice appointment already booked?
  • No sign-up needed
  • Nothing is sent to authorities
  • You submit applications yourself

Frequently asked questions

Can I do this online?

1 of 6 possible steps mention an online channel in their text. Requirements are in the official source.

What does it cost?

No costs are recorded for these steps in the linked sources. Fees may still apply.

Do I need an einfach.wien account?

No. The plan works without registration; answers stay in your browser.

Does einfach.wien submit my application?

No. einfach.wien helps you prepare and links official channels. You submit applications yourself to the responsible service.

What this page is based on

The information is based on official sources. einfach.wien is a private project; the content has not been professionally reviewed. All information without guarantee, no legal advice. The responsible office is always authoritative.

SourceKostenlose Schuldenberatung: Termin
Kostenlose Schuldenberatung: Termin

FSW Schuldenberatung · retrieved on 09/10/2026

Open original source
SourceUnterlagen für die Schuldenberatung
Unterlagen für die Schuldenberatung

ASB Schuldnerberatungen · retrieved on 09/10/2026

Open original source
SourceSchulden: Vorbereitung und Existenzsicherung
Schulden: Vorbereitung und Existenzsicherung

FSW Schuldenberatung · retrieved on 09/10/2026

Open original source
SourceSelbstständigkeit und Schulden
Selbstständigkeit und Schulden

FSW Schuldenberatung · retrieved on 09/10/2026

Open original source

Similar plans

Apply for minimum income supportTrouble with your rented flatI’m having a babyLost your jobApply for housing benefitApply for a student grant
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