Additional outstanding bills and private repayments accompany the housing instalment. You no longer recall exactly which amount is due when. For the first advisory contact you do not have to prepare a perfect spreadsheet by yourself. The state-recognised debt counselling services in Austria explicitly state that they also provide support when there is a lack of overview. [ASB-FAQ]
Contact a confirmed counselling centre
The joint directory lists state-recognised counselling centres by federal state and location. The counselling is free of charge. [ASB-STELLEN] Use the confirmed contact appropriate for your place of residence and enquire there about the actual procedure. This article does not promise an immediately available appointment.
In your first contact briefly describe that a housing finance and other obligations are involved and whether urgent letters are already present. Not every detail needs to be explained in the first sentence. However, a payment deadline actually mentioned or a court document should not be withheld until a later general inventory.
Secure existing documents, name those missing
For the conversation the ASB specifically names income and debt documents such as invoices, reminders, lawsuits and payment orders. [ASB-FAQ] Our editorial addition is a simple sorting by sender or contract and the most recent status in each case. Keep related older documents beside these so that the sequence of events remains traceable.
Create, insofar as you are able, a list with creditor, stated amount, date and existing document. A still unknown amount remains explicitly unknown. Do not estimate it just to make the column look complete. Private obligations should not be omitted for the reason that no professionally formatted letter exists for them.
Describe the housing situation concretely
Have the loan agreement, the latest statements and current communication ready. Add the actual remaining housing payments and who in the household is affected by what. The property value does not replace an overview of available funds. A possible sale or a new financing is not assumed to be an already secured solution.
In the hypothetical case a household initially brings only the housing loan agreement and three recent reminders. Two further amounts are still unclear. It names them at the appointment nevertheless. The gaps thus become part of the joint clarification task, rather than producing an apparently complete but incorrect starting calculation.
No new commitment just for a visually pleasing overview
The counselling should prepare a viable overall solution. A further credit promise in return for advance payment or an unchecked private bridging loan can create new questions. Coordinate the next steps appropriately, rather than postponing the first contact until all problems would have sorted themselves out.
Which legal or financial routes are actually possible is decided individually. This text does not explain private insolvency nor does it give an order for unilateral refusal to pay. Its aim is the achievable first step: a confirmed counselling centre, an honest statement of the current situation and the most urgent outstanding deadlines.