Collective debt settlement
Fully explain what is going on financially. Debts are often accompanied by a pile of letters and difficult choices. Bring what you have, even if your overview is not yet complete. We review the information and explain which questions still need to be answered. We cannot promise in advance that you will be admitted to the procedure.
You do not need to be able to summarize your situation perfectly before contacting us.
How do you start when the debt folder is incomplete?
This page is about an initial orientation regarding collective debt settlement. An honest preliminary overview is more useful than waiting for a perfect map.
Do
- Group recent letters, reminders and decisions per sender.
- Make a preliminary list of income, fixed expenses, debts and creditors.
- Note changes in work, family, health or living that affect the overview.
Don’t
- Don't leave unopened letters out of the overview because they feel difficult.
- Do not enter missing amounts haphazardly.
- Do not assume that admission to the procedure will follow automatically.
This first order is general information and does not say whether you will be admitted to a collective debt settlement.
Gather what you already have
This is a preparation list, not a procedure manual and not advice about your case file.
- An overview of debts and creditors if you have them
- Recent notices or judgments
- Income and fixed costs in broad terms
- Your current family and living situation
- Recent changes in income, work or family
Leave missing amounts blank and state which creditors you expect information from.
Discuss what you already have
The letters are piling up and you do not know every outstanding amount
A family from the Brussels region has debts to various parties. Some amounts are known, others are spread over reminders and judgments. The income changed recently. For an initial orientation, the family brings the available letters, income, fixed costs and family situation. Missing data is named instead of estimated.
This is an illustrative example. It does not describe a client or actual case file.
How do we bring together the total financial picture?
Flamend & Partners brings together creditors, income, fixed costs and personal circumstances as completely as possible. We then explain which questions are still open and whether collective debt settlement can be further investigated. The page itself does not assess whether you meet all legal requirements.
Who follows up on questions about collective debt settlement?
Carine Flamend has been appointed as a debt mediator by the courts since the existence of the debt mediation procedure. Matthias Dive works in case file management and debt mediation. As an administrative assistant and case file manager, Mieke Smolders supports the follow-up of collective debt settlements. Who will further handle your initial contact and case file will be confirmed after the conflict check.
Debt assistance from the office in Zaventem
The Zaventem office receives enquiries from the Flemish periphery around Brussels, Brussels, Wallonia and Flanders. The competent authority and possible procedure depend on your specific situation, not only on the office’s location.
General information, not advice about your case file
Flamend & Partners publishes this explanation to help you organize your first questions and documents. A careful assessment starts with your facts, documents and personal circumstances.
What always depends on your case
- Admission to the procedure depends on the legal conditions and your case file.
- We cannot generally predict the duration and amount that will remain available.
- This page does not assess whether the procedure is open to you.
Questions about an initial orientation regarding debts
A complete financial picture often grows step by step. These answers will help you get started without promising an outcome.
Does my debt overview need to be complete for an initial consultation?
No. Bring what you have and identify what is missing. A preliminary overview helps determine what information still needs to be collected.
Does contacting me mean that I will be admitted to collective debt settlement?
No. Admission depends on the legal conditions and your complete case file. An initial conversation can only help to sort out the situation and outstanding questions.
Which letters are the most important?
Start with recent reminders, judgments, messages from bailiffs and documents about income and fixed costs. The office can then indicate what is still needed.
Can someone help me organize the administration?
Mieke Smolders supports the administrative follow-up of collective debt settlements within the team. After an initial assessment, the office will confirm which support suits your situation.
Your situation first deserves clarity.
Briefly explain what is going on. We carefully consider which next step is appropriate.