Bundesarbeitsgemeinschaft Schuldnerberatung

The Bundesarbeitsgemeinschaft Schuldnerberatung e.V. (BAG-SB) is a nationally recognized professional association that has existed since 1986, advocating for the interests of debt and insolvency counseling practices as well as over-indebted households in Germany.

• Professional Journal: The BAG-SB publishes the professional journal "BAG-SB Informationen," which is characterized by high professionalism and target group-specific topic selection. This journal addresses methodological and legal developments in counseling practice, scientific findings, political discourses, and current case law[2].
• Consultation and Support: The BAG-SB offers comprehensive consultation and support for over-indebted households and is committed to developing professional standards for debt counseling[3][4].
• Training Offers: The organization provides information on nationwide training offers and publishes concrete work aids such as sample letters and worksheets[2].

The main mission of the BAG-SB is to promote consumer and debtor-specific issues in federal politics and the public sphere. It aims to raise awareness of the plight of those seeking advice and to develop solutions for their problems. The BAG-SB works closely with the Verbraucherzentrale Bundesverband and welfare associations, particularly within the framework of the Working Group on Debt Counseling of the Associations (AGSBV)[1][3][4].

• Funding for Debt Counseling: The BAG-SB and the European Consumer Debt Network (ECDN) advocate for a levy of 0.1% on every newly concluded loan to finance efficient debt counseling and reduce credit risk. This is intended to ensure that the financial sector, which is considered the largest beneficiary of debt counseling, contributes to the costs[3].