
Advice for employees with a low income
If you have debts, it's easy to get desperate. If bills can't be paid, the threat of over-indebtedness quickly looms - and you as an employer could face wage garnishment. Support your employees with income and budget advice: preventative, individual and fast. Live, online or via chat. And absolutely confidential.
Sudden life events such as illness or divorce, a low income or a lack of financial education are often the reason why employees fall into debt.
Employer liability for wage garnishment
Unfortunately, employers also have an obligation and are liable as so-called third-party debtors in the event of an incorrect calculation of the garnishment exemption limit, both towards their employees and towards the creditor.
In view of the costly and risky proceedings for the employer as a result of wage garnishment or even the implementation of insolvency proceedings, it is essential that the employee's debts are cleared as quickly and effectively as possible.
Turn your employees into financial professionals
We advise employees in person or by telephone on budget planning issues. Together, we identify potential savings and savings opportunities and provide support in applying for appropriate compensation and benefits from insurance companies or the federal government.
We provide support with new inquiries about loans and funding programs in the wake of the corona crisis and keep ourselves continuously informed about the changes. We advise on short-time working allowance, insolvency law and applications for subsidies such as the emergency aid program and various loans.
Good advice with the customer service portal "My Familienservice"
Studies have shown that preventive programs that impart financial knowledge achieve a return on investment of 300 percent or even more.
The information portal "Mein.Familienservice" offers your employees extensive information pages and materials for all life situations, such as mental health, conflicts in the workplace and indebtedness and over-indebtedness. With a large download area, video tutorials and e-coaching. Including individual start page with your employer logo. Optimized for all end devices.
Our income and budget advice for your employees
Whether divorce or illness: we advise employees who have lost track of their finances and those who want to make more of their income on income and budget issues.
Advice as a recognized insolvency advice centre
As a recognized debtor and insolvency advice centre, we also provide advice and support in preparing and applying for consumer insolvency proceedings.
Your benefits as an employer
- Avoidance of wage and salary garnishments and long periods of absence due to mentally stressed employees
- Safeguarding the performance of employees
- Retention of your employees
Contact:
Regina Benzinger
E-mail: regina.benzinger@familienservice.de
Poster order: Advice on financial difficulties (A4 or A2)
Are you an employer and already a client of our income and budget consulting service?
Inform your employees about your offer. Either download and print the poster yourself (A4). Or order the poster free of charge via our webshop (A2).
From practice: 3 case studies from consulting
Case 1: No reserves - Martin, 28 years old
"Although I think I actually earn enough, my income is always just enough to get me to the end of the month. Income and budget advice from the pme Familienservice helped me to get a better overview of my finances by drawing up a budget and using a budget app, and also to take a closer look at my insurance policies. I have managed to set aside a certain amount every month. This allows me to build up reserves for larger purchases and also save something for my old age."
Case 2: Debt collection due to prolonged illness - Martina, 43 years old
"Since I've been ill for a long time, the unpaid bills have been piling up at home. Most recently, I was no longer able to open the letters, and some of them had already come from debt collection companies. It was all very embarrassing for me. After I confided in a colleague and he gave me the number of pme Familienservice , I made an appointment for a consultation. A counselor encouraged me to come by with my unopened letters and we started sorting through them. In the meantime, with her help, I got an overview of my debts, we drew up an installment plan and she stood by me in negotiations with my creditors. I can now look to the future with more optimism."
Case 3: Attachment of wages and bailiff - Ronald, 52 years old
"I had known for some time that I was over-indebted and couldn't repay my debts. My salary had been garnished, my bank account too, and the bailiff had already been to my house several times. I was still trying to satisfy the most urgent creditors with the lowest installments and overlooked the fact that I had no money to pay the electricity arrears. When I was threatened with an electricity default, I plucked up all my courage and went for advice. With the help of the pme Familienservice as a recognized debtor and insolvency advice centre, I filed for personal insolvency a few months ago. Now I have peace of mind from my creditors, my employer pays the attachable portion of my income to the insolvency advisor and I know how much income I can expect to receive each month."