Do you receive assistance in Utrecht and are struggling with debts? This can impact your situation. The Municipality of Utrecht can oblige you to follow debt assistance, but also offers support in finding a solution.
Debts with a Social Assistance Benefit
Having debts is not a ground to refuse social assistance in Utrecht. The benefit is there to cover your basic needs, regardless of your financial obligations. However, the municipality may impose specific requirements on your benefit.
Garnishment-Free Foot in Utrecht
When garnishment is levied on your income by creditors, there must always be a minimum amount left to live on. This is called the garnishment-free foot. For social assistance recipients in Utrecht, the following applies:
- At least 95% of the social assistance norm remains free from garnishment
- Creditors may take at most 5% of your benefit
- The Municipality of Utrecht arranges this automatically in case of garnishment
Debt Assistance in Utrecht
If you are dealing with problematic debts, you can apply for free debt assistance in Utrecht. The municipality offers various options:
| Type of Assistance | Description | Duration |
|---|---|---|
| Debt Agreement | The municipality negotiates on your behalf with creditors | Maximum 36 months |
| Financial Management | Your finances are managed by the municipality | As long as necessary |
| WSNP (Debt Rescheduling) | Via the court, with possibility of debt discharge | 18 to 36 months |
Mandatory Measures for Debts
In Utrecht, the municipality can oblige you to:
- Participate in debt assistance
- Consent to financial management
- Prevent new debts
- Provide full transparency about your financial situation
Frequently Asked Questions about Assistance and Debts in Utrecht
Can the Municipality of Utrecht reduce my assistance due to debts?
No, debts alone are not a reason for reduction. However, if you do not cooperate with assistance or incur new debts, the municipality may adjust your benefit.
What if a bailiff levies garnishment on my benefit in Utrecht?
The garnishment-free foot always applies. The Municipality of Utrecht ensures that you retain at least 95% of the social assistance norm.
Is debt rescheduling possible with assistance in Utrecht?
Yes, even with assistance you can gain access to the WSNP. After a successful trajectory, remaining debts can be discharged.
Contact and Support in Utrecht
For legal assistance or advice, you can go to:
- District Court Midden-Nederland: Vrouwe Justitiaplein 1, Utrecht
- Juridisch Loket Utrecht: Catharijnesingel 55, Utrecht