Fill out consumer debt forms
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Consumer debt forms — or in the German legal context, Verbraucherinsolvenzformulare — are official documents used by private individuals to formally navigate debt relief and insolvency proceedings. In Germany, this process is governed by the Insolvenzordnung (InsO), and the required paperwork is extensive: a complete application package includes a personal data sheet, a certificate confirming that out-of-court settlement attempts have failed, a full asset inventory, a creditor and claims register, and a court-supervised debt settlement plan. These forms are legally binding, and errors or omissions can delay proceedings, trigger requests for additional information, or even result in the application being treated as withdrawn — with serious procedural and legal consequences.
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About consumer debt forms
People who typically need these forms are private consumers — not businesses — who are no longer able to service their debts and are seeking a fresh start through the official insolvency process under § 305 InsO, often also applying for discharge of remaining debts (Restschuldbefreiung) under § 287 InsO. This situation arises after failed negotiations with creditors, job loss, illness, or other financial hardships that have made repayment impossible.
Given how detailed and legally sensitive this paperwork is, accuracy matters enormously. Tools like Instafill.ai use AI to fill these forms in under 30 seconds by extracting data from supporting documents and converting non-fillable PDFs into interactive forms — reducing the risk of mistakes that could set back an already stressful process.
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How to Choose the Right Form
With only one form package available in this category, the decision is straightforward — but understanding what's included and whether it applies to your situation is essential before you begin.
Who This Form Package Is For
The Eigenantrag Verbraucherinsolvenz (§ 305 InsO) mit Anlagen 1–7 is designed specifically for:
- Private individuals (consumers) in Germany who are unable to pay their debts and wish to formally open personal insolvency proceedings at their local *Amtsgericht* (insolvency court)
- Those who also want to apply for discharge of remaining debts (Restschuldbefreiung) under § 287 InsO after the insolvency process concludes
This package is not intended for self-employed individuals, businesses, or companies — those cases require separate commercial insolvency forms.
What's Included in the Package
This is a multi-document submission. All of the following components are mandatory or commonly required:
- Personalbogen — personal information sheet
- Bescheinigung über das Scheitern des außergerichtlichen Einigungsversuchs — proof that out-of-court debt settlement failed
- Vermögensübersicht/-verzeichnis — overview of assets and liabilities
- Gläubiger- und Forderungsverzeichnis — list of creditors and claims
- Schuldenbereinigungsplan (Allgemeiner und Besonderer Teil) — proposed debt repayment plan
Before You Start
- Confirm you have already attempted an out-of-court settlement through a recognized debt counseling agency — the certificate of failure is a required attachment
- Gather all financial documents (bank statements, creditor letters, income proof) before filling out the forms
- Be aware that incomplete or contradictory information can delay your case or cause the application to be treated as withdrawn
Using an AI-assisted tool like Instafill.ai can help you transfer data from existing documents accurately and convert non-fillable PDFs into interactive forms, reducing errors in this legally sensitive process.
Form Comparison
| Form | Purpose | Who Files It | When to Use |
|---|---|---|---|
| Formulare für das Verbraucherinsolvenzverfahren und das Restschuldbefreiungsverfahren (amtliche Fassung 1/2021, seit dem 31. Dezember 2020 geltende Fassung) – Eigenantrag Verbraucherinsolvenz (§ 305 InsO) mit Anlagen 1–7 | Apply for personal insolvency and optional debt discharge in Germany | Individual consumers (non-self-employed) overwhelmed by debt | After failed out-of-court debt settlement attempt with creditors |
Tips for consumer debt forms
Before starting the forms, collect all relevant documents: bank statements, pay slips, tax notices, loan agreements, and creditor letters. Having these on hand ensures you can fill in exact figures and dates, reducing the risk of inconsistencies that could delay your application.
The Gläubiger- und Forderungsverzeichnis (creditor and claims list) must be complete. Omitting even a single creditor can have serious legal consequences and may jeopardize your application for Restschuldbefreiung (discharge of residual debt). Double-check all debts, including informal loans from family or friends.
The Bescheinigung über das Scheitern des außergerichtlichen Einigungsversuchs is a mandatory attachment — the court will not process your application without it. Make sure a recognized debt counseling agency (anerkannte Schuldnerberatungsstelle) issues this certificate before you file.
The seven mandatory annexes (Anlagen 1–7) must be internally consistent — figures in the asset overview must match those in the debt repayment plan and the personal data sheet. Contradictions or blank fields are a common reason for requests for additional information (Nachforderungen) or the application being treated as withdrawn.
AI-powered tools like Instafill.ai can complete complex multi-part forms like the Verbraucherinsolvenz package in under 30 seconds by extracting data directly from your uploaded documents. This is especially valuable when dealing with multiple interconnected annexes, and your data stays secure throughout the process — a real time-saver when accuracy matters most.
The forms contain declarations confirming the accuracy and completeness of your information, which carry both criminal and procedural legal relevance under German law. Take time to review every section carefully before signing — incorrect or misleading statements can have serious consequences beyond just a delayed application.
Always use the official version (amtliche Fassung 1/2021, gültig seit 31. Dezember 2020) as required by the Insolvenzgericht. Courts may reject applications submitted on outdated form versions, so verify you are working with the current official forms before filling anything out.
In Germany, recognized debt counseling agencies (anerkannte Schuldnerberatungsstellen) not only issue the mandatory out-of-court settlement certificate but can also guide you through the entire application process. Their involvement is both legally required and practically invaluable for first-time filers navigating this complex paperwork.
Frequently Asked Questions
The consumer insolvency application (Eigenantrag Verbraucherinsolvenz, § 305 InsO) is an official German court form package used by private individuals (consumers) who are unable to meet their financial obligations and wish to formally open insolvency proceedings at a local court (Amtsgericht/Insolvenzgericht). It is intended for private persons — not businesses — who are overwhelmed by debt and seeking legal relief, including the option to apply for discharge of remaining debts (Restschuldbefreiung) after the proceedings.
The application package includes several mandatory attachments: a personal data sheet (Personalbogen), a certificate confirming the failure of an out-of-court debt settlement attempt (Bescheinigung über das Scheitern des außergerichtlichen Einigungsversuchs), an asset overview and inventory (Vermögensübersicht/-verzeichnis), a list of creditors and claims (Gläubiger- und Forderungsverzeichnis), and a court debt settlement plan (Schuldenbereinigungsplan) in both general and specific parts (Anlagen 1–7). Submitting all required attachments completely and consistently is critical, as missing or contradictory information can delay the process or result in the application being treated as withdrawn.
Yes, under German insolvency law (§ 305 InsO), consumers are generally required to first attempt an out-of-court settlement with their creditors before filing for formal insolvency proceedings. A certificate from a recognized debt counseling agency or attorney confirming that this attempt has failed must be included with the application. Without this certificate, the application is typically considered incomplete.
The completed forms and all mandatory attachments must be submitted to the competent local court (Amtsgericht) acting as the insolvency court (Insolvenzgericht) in the applicant's jurisdiction — usually the court responsible for the area where the applicant lives. It is advisable to check with the specific court or a debt counselor for submission requirements, as some courts may accept digital submissions while others require paper originals.
Incomplete or contradictory information can have serious consequences: the court may request additional documents, delay the proceedings, or in the worst case treat the application as withdrawn. Additionally, because the forms require a declaration of accuracy and completeness, providing false information can have criminal and procedural legal consequences. It is therefore essential to fill out every section carefully and ensure all figures and statements are consistent across all attachments.
Yes, the application package includes the option to simultaneously apply for Restschuldbefreiung (discharge of residual debt) under § 287 InsO. This allows eligible consumers to be released from remaining debts after successfully completing the insolvency proceedings and the required good conduct period. Including this request in the initial filing is optional but highly recommended for those seeking a financial fresh start.
Yes, the official version currently in use is the 1/2021 edition (amtliche Fassung 1/2021), which has been valid since December 31, 2020. Using outdated form versions may cause the court to reject or return your application, so always verify that you are using the current official forms before submitting.
Yes, AI-powered tools like Instafill.ai can fill out consumer insolvency forms in under 30 seconds by accurately extracting and placing data from your source documents — such as bank statements, creditor letters, and income records — directly into the correct fields. This significantly reduces the risk of manual errors and helps ensure consistency across all attachments in the multi-part form package.
Manually completing the full form package — including all seven attachments — can take several hours, especially when gathering financial data and ensuring consistency across documents. Using an AI service like Instafill.ai, the data extraction and form-filling process itself can be completed in under 30 seconds, though you should still review all entries carefully before submission.
While it is not strictly mandatory to hire a lawyer, you are required to obtain the out-of-court settlement certificate from a recognized debt counseling agency, attorney, or other authorized institution. Many applicants work with a debt counselor (Schuldnerberatung) who can help prepare the forms correctly. Given the legal complexity and the consequences of errors, professional guidance is strongly recommended.
The court debt settlement plan (Schuldenbereinigungsplan) is divided into a general part (Allgemeiner Teil), which outlines the overall terms and conditions of the proposed settlement, and a specific part (Besonderer Teil), which details the individual arrangements with each creditor. Both parts must be completed and submitted together as part of the application package, and they should be consistent with the creditor and asset lists included in the other attachments.
Some official German court forms are distributed as non-fillable PDFs, which cannot be typed into directly using a standard PDF viewer. AI services like Instafill.ai can convert these static PDFs into interactive, fillable forms, allowing you to complete them digitally without printing and handwriting everything. This makes the process faster and produces cleaner, more legible submissions.
Glossary
- Verbraucherinsolvenzverfahren
- The German consumer insolvency procedure, a simplified court-supervised process that allows private individuals (non-self-employed consumers) to formally declare insolvency and restructure or discharge their debts.
- Restschuldbefreiung
- Discharge of remaining debts — a legal relief granted by a German insolvency court after a specified good-conduct period, releasing the debtor from all remaining unpaid obligations listed in the proceedings.
- § 305 InsO
- Section 305 of the German Insolvency Code (Insolvenzordnung), which sets out the mandatory requirements and documents a consumer must submit when filing a personal insolvency petition.
- Eigenantrag
- A self-filed petition — the debtor's own application to the insolvency court to open insolvency proceedings against themselves, as opposed to a petition filed by a creditor.
- Außergerichtlicher Einigungsversuch
- The mandatory out-of-court debt settlement attempt that a debtor must undertake before filing for consumer insolvency; a certified body (e.g., a debt counseling agency) must confirm in writing that this attempt has failed.
- Schuldenbereinigungsplan
- A debt adjustment plan submitted as part of the insolvency application, proposing how the debtor intends to settle outstanding debts with creditors, either in full or in part.
- Gläubiger- und Forderungsverzeichnis
- The list of creditors and claims — a mandatory annex to the insolvency application that itemizes every creditor, the amount owed, and the nature of each debt.
- Amtsgericht (Insolvenzgericht)
- The local district court that acts as the insolvency court in Germany, responsible for receiving, reviewing, and deciding on consumer insolvency petitions.
- Personalbogen
- A personal data sheet included as a mandatory annex to the insolvency application, containing detailed information about the debtor's identity, employment, income, and family situation.
- Vermögensübersicht/-verzeichnis
- A complete inventory and overview of the debtor's assets, including property, bank accounts, vehicles, and other valuables, which must be disclosed accurately as part of the insolvency filing.