Do you receive assistance in Leiden and are struggling with debts? This can impact your situation. The Municipality of Leiden can oblige you to participate in debt assistance, but also offers support in finding a solution.
Debts with a Social Assistance Benefit in Leiden
Having debts is not a ground for the Municipality of Leiden to refuse your assistance benefit. The benefit is intended to provide for your basic needs, regardless of your financial obligations. However, the municipality may impose specific requirements on your benefit.
Exemption from Attachment with Social Assistance
If creditors attach your income, a minimum amount always remains available for living expenses. This is called the exemption from attachment (beslagvrije voet). For social assistance recipients in Leiden, the following applies:
- At least 95% of the social assistance norm remains available to you
- Creditors may withhold at most 5% of your benefit
- The Municipality of Leiden arranges this automatically in case of attachment
Debt Assistance in Leiden
Do you have problematic debts? Then you can apply for free debt assistance from the Municipality of Leiden. This includes various options:
| Type of Assistance | Description | Duration |
|---|---|---|
| Debt Settlement | The municipality negotiates on your behalf with creditors | 36 months |
| Budget Management | Your finances are managed by the municipality | As long as necessary |
| WSNP (Debt Restructuring) | Via the court, with discharge of debts | 18-36 months |
Obligations with Debts in Leiden
The Municipality of Leiden may oblige you to:
- Participate in debt assistance
- Consent to budget management
- Avoid incurring new debts
- Be transparent about your financial situation
Frequently Asked Questions about Assistance and Debts in Leiden
Can the Municipality of Leiden reduce my assistance due to debts?
No, debts alone are not a reason for a reduction. However, if you do not cooperate with assistance or incur new debts, a deduction may be applied.
What if a bailiff attaches my benefit?
The exemption from attachment is safeguarded. The Municipality of Leiden ensures that you retain at least 95% of the social assistance norm.
Is debt restructuring possible with assistance in Leiden?
Yes, even with assistance you can gain access to the WSNP. Upon completion of this process, any remaining debts can be discharged.
Contact and Support in Leiden
For legal assistance, you can go to the Juridisch Loket Leiden, located at Stationsweg 46. In addition, the District Court of The Hague, Leiden location, handles matters related to debt restructuring (WSNP).