The assistance provided by a professional to a household that has fallen into high debt (helping consumers to manage and control their debt load. One of the key tasks of credit counseling is to warn consumers about the dangers of accumulating unduly debt). In Germany, such services are provided by churches, political communities, nonprofit organizations, sometimes also institutes, and also freelancers working on a fee basis.
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University Professor Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.
Professor Dr. Eckehard Krah, Dipl.rer.pol.
E-mail address: info@ekrah.com
https://de.wikipedia.org/wiki/Gerhard_Ernst_Merk
https://www.jung-stilling-gesellschaft.de/merk/
https://www.gerhardmerk.de/