Good advice for the people actually living in Holland. Although we also walked that route numerous times.. and in the situation we were in they did nothing. But its not the solution now because we live in Hungary.. But thanks for thinking with me much appreciated although we walked every single path that could be walked seeking help. And the system made it impossible to get actual help. As soon as your situation in Holland gets too complex, schuldsanering is not the way. I made this overview (debt) at the time and contacted everyone personally though and those documents got lost being hacked while still in Holland. But this is a debt that should be a gift. As we agreed.. but when you cant deliver them the "jaarrekening" ( dont know the english word) they just dont work with you. Even though the "gemeente" is the whole reason you got in thiss mess the first place.. :(