Debt Assistance and Social Assistance in Utrecht: Impact on Asset Limit

In Utrecht, debt assistance (WSNP or via the municipality) has a positive influence on the social assistance asset limit. Under the Debt Rescheduling for Natural Persons Act (WSNP), protected assets of €5,670 per person (2024) apply, which is above the standard social assistance limit. The Municipality of Utrecht adjusts the asset test in case of debts: there is no repayment obligation for social assistance. According to Article 41 of the Participation Act (formerly WWB), debts are deducted from assets. In an amicable trajectory via the Utrecht Debt Assistance Desk, you retain your benefit during repayment. Exception: WSNP does not stop social assistance, but applies a 'reasonable provision level'. Report debts immediately upon your application at the Utrecht Service Centre (USC) to prevent sanctions. Practice in Utrecht: the garnishment-free foot protects €1,500 monthly, with extra attention for tenants in neighbourhoods such as Kanaleneiland or Overvecht. After completion of WSNP: clean slate and full social assistance. Costs of the trajectory are free via the Municipality of Utrecht. Local tips: start with the budget management course from SchuldHulpMaatje Utrecht or the Debt Support Point. Legal basis: Bankruptcy Act and Participation Act. Success rate in Utrecht is around 45-55%: clean slate achievable. Combine with social assistance for a minimum standard of living. Apply for an administrator via the district court in Utrecht in case of severe problematic debts.