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Over-indebtedness
Are you sure you're in control of your finances?
In the Grand Duchy of Luxembourg, over-indebtedness is defined as the manifest impossibility of "settling all non-business debts due or to become due". The causes can be manifold, and many cases of over-indebtedness result from life-changing incidents, such as the loss of employment, long illness or divorce. Some people live beyond their means and are unable to repay their debts. Sometimes a combination of loans with high interest rates lead to the inability to cover all repayments.
Are you affected?
Are you no longer able to pay your bills? Are you no longer able to (re)pay your loans? Are your wages garnished and/or is your remuneration assigned? Are you being harrassed by your creditors? Are you afraid of the bailiff coming to you?
In order to enable the financial recuperation of people concerned and to allow them to lead "a life according to the principle of human dignity", the loi du 8 janvier 2013 sur le surendettement (law of 8 January 2013 on over-indebtedness) sets up a collective debt settlement procedure. The collective debt settlement procedure has three phases:
- conventional debt settlement phase
- judicial recovery phase
- personal recovery phase
Find help
The indebtedness of private individuals, whether related to housing or cars or other costs, is a widespread phenomenon. Debt can be problematic, for example, when a person’s account is regularly debited, if they cannot pay their bills in full or if they cannot make ends meet. It is important to react as early as possible if a person feels that they have lost control over their financial situation. They can either turn to:
- the information and advice service on over-indebtedness of the Ligue médico-sociale
- the information and advice service on over-indebtedness of Inter-Actions asbl
- the social office “office social” of their municipality of residence
These services can provide free advice, analyse the financial situation and provide information concerning the collective debt settlement procedure.
Procedures (in FR)
Best practices
Over-indebtedness Prevention Week
The Ministry Ministry of Family Affairs, Solidarity, Living Together and Reception of Refugees intends to pursue and develop its efforts in the prevention of over-indebtedness of private individuals and, together with Inter-Actions asbl and the Ligue Médico-Sociale, organises the third national over-indebtedness prevention week from April 28th to May 2nd 2025. Over the course of this week, several actions are organised throughout the country with the aim of raising awareness of concerned professionals and the general public about the phenomenon of over-indebtedness and existing aid measures.
Agenda
Monday 28.04.2025 |
Tuesday 29.04.2025 |
Wednesday 30.04.2025 |
Friday 02.05.2025 |
09h00 au MFSVA Ouverture de la SNPS 2025 |
09h00 - 11h00 SFS Salle 1, Dernier Sol * Outil SFS |
10h00 - 14h00 * Stand mobile Bikensemble à Esch-sur-Alzette (Place de l'Hôtel de Ville) Ensemble Quartiers Esch |
08h00 - 10h00 Écoles primaires Dudelange Animation conte Sylvie Beythan-Ory |
09h30 - 10h00 au MFSVA Mots de bienvenue Ministère de la Famille, des Solidarités,du Vivre ensemble et de l’Accueil, Inter-Actions asbl | Ligue Médico-Sociale |
13h00 - 14h30 Session Webex * Formation sur la problématique du surendettement et du budget familial Ligue Médico-Sociale |
13h00 - 14h30 Session Webex * Formation sur la problématique du surendettement et du budget familial Ligue Médico-Sociale |
10h00 - 12h00 * Stand mobile Bikensemble à Dudelange Ensemble Quartiers Dudelange |
10h00 - 12h30 au MFSVA Outil SFS |
14h00 - 18h00 à Bonnevoie L'upcycling Maison relais - Foyer Pinocchio |
16h30 - 17h30 à Bonnevoie Lecture / jeux Asbl "Il était une fois" |
12h45 - 13h45 à Mersch Lecture / jeux Asbl "Il était une fois" |
10h00 - 12h30 au MFSVA Formation " DETTE et SANTE" Trapes |
17h00 - 19h00 MDJ Clausen * Gestion budgétaire Fondation ABBL |
14h00 - 16h00 * Gestion budgétaire Fondation ABBL |
|
14h00 - 17h00 SFS Salle 1, Dernier Sol * Animation "TROP CHERE LA VIE" Trapes |
17h00 - 20h00 Gare-Bonnevoie (Place Wallis) * Stand mobile Bikensemble Ensemble Gare-Bonnevoie |
14h00 - 16h00 Écoles primaires Dudelange Animation conte Sylvie Beythan-Ory |
|
16h30 - 18h30 * Stand dans les gares à Esch-sur-Alzette, Ettelbruck et Luxembourg SICS et SAS |
- Events marked with a * are open to the general public.
- MFSVA : Ministère de la Famille, des Solidarités, du Vivre ensemble et de l'Accueil.
- Click here to register for the WEBEX sessions.
- Please send an email to endettement@inter-actions.lu to register for the training "Trop chère la vie" – Trapes on Monday, April 28, 2025.
