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Consumer insolvency forms are the official legal documents required by German courts when an individual (a private consumer, as opposed to a business) seeks to formally declare insolvency and apply for discharge from remaining debts (Restschuldbefreiung) under the German Insolvency Act (Insolvenzordnung). This category centers on the official 2021 form package — a comprehensive set of documents that must be submitted to the competent local court (Amtsgericht/Insolvenzgericht) to initiate the process. The package covers everything from the main application and personal details to a full inventory of assets, a list of creditors and outstanding debts, and a court-supervised debt settlement plan.
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About consumer insolvency forms
These forms are typically needed by private individuals who are unable to meet their financial obligations and wish to pursue a fresh start through the formal insolvency process. This includes people who have already attempted — and failed — to reach an out-of-court settlement with their creditors, as evidenced by the required certificate of failed negotiation (Anlage 2). Accuracy is critical: incomplete applications may be treated as withdrawn, and false statements can carry serious legal consequences, including denial of debt discharge or even criminal liability.
Given how detailed and legally sensitive these forms are, tools like Instafill.ai use AI to help fill them out accurately in under 30 seconds, and can even convert non-fillable PDF versions into interactive forms — making an otherwise daunting process considerably more manageable.
Forms in This Category
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How to Choose the Right Form
With only one official form package in this category, the decision is straightforward — but understanding what's inside this package is essential before you begin.
Who This Form Package Is For
The Formulare für das Verbraucherinsolvenzverfahren und das Restschuldbefreiungsverfahren (Amtliche Fassung 1/2021) is exclusively for private individuals (consumers) in Germany who want to:
- File for personal insolvency at their local Amtsgericht (Insolvenzgericht)
- Apply for discharge of remaining debts (Restschuldbefreiung) after the insolvency process
This is not the right form set for businesses, self-employed persons with complex commercial debts, or creditors — those cases require different insolvency procedures.
What's Included in the Package
This is a multi-part form set, not a single document. Before starting, be aware you will need to complete:
- Hauptblatt — the main opening application
- Anlage 1 (Personalbogen) — personal details
- Anlage 2 — certificate proving an out-of-court settlement attempt failed
- Anlage 3 — assignment declaration (Abtretungserklärung)
- Anlage 4 & 5 — asset overview and detailed asset inventory
- Anlage 6 — list of creditors and claims
- Anlage 7 — debt restructuring plan for court proceedings
Before You Start
- Have your financial documents ready — income statements, debt letters, and asset records are all required.
- Incomplete forms can be treated as withdrawn, and false statements carry serious legal consequences including denial of debt discharge.
- If you find the PDF non-interactive or difficult to fill, Instafill.ai can convert it into a fillable format and guide you through each section with AI assistance.
Since there is only one official form package for consumer insolvency in Germany, simply proceed to this form and use all required annexes (Anlagen) relevant to your situation.
Form Comparison
| Form | Purpose | Who Files It | When to Use |
|---|---|---|---|
| Formulare für das Verbraucherinsolvenzverfahren und das Restschuldbefreiungsverfahren (Amtliche Fassung 1/2021) | Apply for personal insolvency and debt discharge in Germany | Private individuals (consumers) unable to repay debts | When out-of-court debt settlement has failed |
Tips for consumer insolvency forms
German consumer insolvency forms are official court documents, and incomplete applications can legally be treated as withdrawn. Go through every attachment carefully — from the Personalbogen (Anlage 1) to the Gläubigerverzeichnis (Anlage 6) — and ensure no field is left empty without a valid reason. When in doubt, write 'nicht zutreffend' (not applicable) rather than leaving a field blank.
The asset overview (Anlage 4) and asset register (Anlage 5) require detailed information about your income, property, bank accounts, and liabilities. Collect recent pay slips, bank statements, loan agreements, and a full list of creditors with exact outstanding amounts before filling out a single page. Starting without these documents often leads to errors and time-consuming corrections.
The creditor and claims register (Anlage 6) must include all creditors, no matter how small the outstanding amount. Omitting a creditor can complicate or delay your discharge of residual debt (Restschuldbefreiung). Double-check old utility bills, subscription services, and informal loans to ensure nothing is missed.
Before filing with the court, you must attempt an out-of-court debt settlement and obtain a failure certificate (Anlage 2) from a recognized debt counseling agency or lawyer. This step takes time to arrange, so contact an approved body as early as possible — without this certificate, the court cannot accept your application.
The assignment declaration (Abtretungserklärung, Anlage 3) is a legally binding document in which you assign future income above the exempt amount to a trustee for a set period. Read this section thoroughly and ensure the details align with your current employment situation, as errors here can affect your discharge process significantly.
Consumer insolvency forms are among the most detailed and demanding official documents in Germany, spanning multiple attachments and dozens of fields. AI-powered tools like Instafill.ai can complete these forms in under 30 seconds with high accuracy, and your data stays secure throughout the process — a real time-saver when you're managing multiple documents at once. Instafill.ai can also convert non-fillable PDF versions into interactive, fillable forms, making the process even smoother.
Providing incorrect or misleading information on insolvency forms can result in criminal prosecution and the denial of your residual debt discharge (Restschuldbefreiung). Always report your assets, income, and liabilities accurately and completely, even if the figures seem unfavorable. Honesty is not just a legal requirement — it is the foundation of a successful insolvency process.
Consumer insolvency applications must be submitted to the Insolvenzgericht at the Amtsgericht responsible for your place of residence — filing at the wrong court will cause delays. Check the official court directory for your federal state (Bundesland) to confirm the correct jurisdiction before submitting. Some courts also accept electronic submissions, so check whether that option is available in your region.
Frequently Asked Questions
Consumer insolvency forms are official legal documents used by private individuals (consumers) to formally apply for the opening of insolvency proceedings at the competent local court (Insolvenzgericht) in Germany. They also allow applicants to request discharge of remaining debts (Restschuldbefreiung) under the German Insolvency Act (InsO). These forms are mandatory and must be submitted in their official version to be accepted by the court.
Private individuals — as opposed to businesses or self-employed persons — who are unable to meet their financial obligations and wish to seek legal debt relief in Germany must file these forms. This process is specifically designed for consumers, meaning people who are not, or are no longer, self-employed in a significant capacity. Anyone considering personal bankruptcy in Germany will need to complete this official form package.
The official form package (Amtliche Fassung 1/2021) includes the main application form (Eröffnungsantrag), a personal data sheet (Anlage 1), a certificate confirming the failure of an out-of-court settlement attempt (Anlage 2), an assignment declaration (Anlage 3), an asset overview (Anlage 4), a detailed asset inventory with supplementary sheets (Anlage 5), a creditor and claims list (Anlage 6), and a debt restructuring plan for court proceedings (Anlage 7). Each component serves a distinct purpose and must be completed accurately.
Yes, German law requires that consumers first attempt to reach an out-of-court agreement with their creditors before filing for formal insolvency proceedings. If this attempt fails, a recognized debt counseling agency or attorney must issue a certificate confirming the failure (Anlage 2), which must be submitted as part of the court application. Without this certificate, the court will generally not accept the insolvency petition.
Completed consumer insolvency forms must be submitted to the competent local court (Amtsgericht) that also serves as the insolvency court (Insolvenzgericht) in the applicant's jurisdiction — typically determined by the applicant's place of residence. It is advisable to check which specific court has jurisdiction for your area before filing, as submitting to the wrong court can cause delays.
Incomplete applications carry serious legal consequences in Germany — an insufficiently completed application can be treated as withdrawn (als zurückgenommen gelten), effectively canceling the entire insolvency process. This means the applicant would need to restart the procedure from the beginning. It is therefore critical to fill in all required fields accurately and completely before submission.
Yes, providing incorrect or false information on these official court forms can result in criminal liability under German law. Additionally, deliberate misrepresentation can lead to the court refusing to grant discharge of remaining debts (Versagung der Restschuldbefreiung), which is often the primary goal of the insolvency process. Applicants should ensure all information — especially regarding assets, income, and creditors — is truthful and complete.
Yes, AI-powered tools like Instafill.ai can help you fill out consumer insolvency forms online quickly and accurately, extracting and placing relevant data from your source documents in under 30 seconds. This is particularly useful for the German consumer insolvency form package, which is extensive and complex, with multiple annexes requiring detailed financial information. AI tools can also convert non-fillable PDF versions of these forms into interactive, fillable formats.
Manually completing the full German consumer insolvency form package can take several hours due to the number of annexes and the level of financial detail required. However, AI-assisted services like Instafill.ai can auto-fill these forms in under 30 seconds by accurately extracting and placing data from uploaded source documents. Users still need to review all entries carefully before submission to ensure accuracy.
While it is not always legally required to hire a lawyer to complete the forms themselves, you must obtain a certificate from a recognized debt counseling agency or attorney confirming that an out-of-court settlement was attempted and failed (Anlage 2). Many applicants also seek professional guidance given the complexity of the forms and the serious legal consequences of errors. Debt counseling services (Schuldnerberatung) can provide significant assistance throughout the process.
You should always use the most current official version of the forms, which is currently the Amtliche Fassung 1/2021. Using outdated versions may result in your application being rejected by the court. Official forms are available from the German Federal Ministry of Justice or through recognized legal and counseling services.
The core legal framework and the official forms are standardized at the federal level under the German Insolvency Act (InsO), so the same form package applies throughout Germany. However, specific procedural details — such as which local court has jurisdiction or how debt counseling services are organized — can vary by state (Bundesland). It is recommended to consult local resources or a debt counseling service familiar with your region's procedures.
Glossary
- Verbraucherinsolvenzverfahren
- The German consumer insolvency procedure, a simplified court-supervised debt relief process available to private individuals (non-self-employed consumers) who are unable to pay their debts. It is governed by the Insolvenzordnung (InsO) and differs from regular business insolvency proceedings.
- Restschuldbefreiung
- Discharge of remaining debts — a legal relief granted by the court after the insolvency procedure is completed, releasing the debtor from all remaining unpaid debts. Achieving this is typically the primary goal of filing consumer insolvency forms.
- Insolvenzordnung (InsO)
- Germany's Insolvency Code, the federal law that regulates all insolvency proceedings including the consumer insolvency procedure. The official forms must be completed in compliance with this statute.
- Außergerichtlicher Einigungsversuch
- The mandatory out-of-court debt settlement attempt that must be made before a consumer can file for insolvency in Germany. A certified advisor (e.g., a debt counseling agency or lawyer) must confirm in writing that this attempt failed before the court will accept the application.
- Amtsgericht / Insolvenzgericht
- The local district court that serves as the insolvency court in Germany. Consumer insolvency forms must be submitted to the competent Amtsgericht in the debtor's jurisdiction, which then oversees the entire procedure.
- Schuldenbereinigungsplan
- A debt restructuring plan submitted as part of the court insolvency application (Anlage 7), proposing how the debtor intends to settle outstanding debts with creditors. The court may use this plan to attempt a judicial settlement before formally opening insolvency proceedings.
- Abtretungserklärung
- An assignment declaration (Anlage 3) in which the debtor assigns a portion of their future income to a trustee (Treuhänder) for a set period, typically three years. This assignment is a key condition for obtaining the discharge of remaining debts.
- Vermögensverzeichnis
- A comprehensive inventory of all the debtor's assets (Anlage 5), including property, bank accounts, vehicles, and other valuables. Accurate and complete disclosure is legally required, as false statements can result in criminal liability and denial of debt discharge.
- Gläubiger- und Forderungsverzeichnis
- A list of all creditors and their claims (Anlage 6), detailing who is owed money, the amounts owed, and the nature of each debt. This document must be complete, as unlisted debts may not be covered by the final debt discharge.
- Amtliche Fassung
- The official version of the court forms, as prescribed by German law. Only the current official version (e.g., 1/2021) is accepted by insolvency courts; using outdated or unofficial forms may result in the application being rejected.