You know you have debts, but how much again? And with whom? If you lose track, you can request your debts and put your administration in order.
Having debts is annoying and can cause many sleepless nights. After all, a debt must also be repaid, naturally with interest. This makes the amount to be repaid higher than the amount you initially borrowed, and taking out that loan .. you didn’t do that because you had it so wide, on the contrary! To ensure that you don’t fall into the drip because of the rain, it is wise to try to prevent as many debts as possible in the first instance. So always think carefully before you take out a loan: is there really no other way out?
If you have already entered into debts in the past, at least try to avoid creating new debts. This also means that you accurately map to whom you have which debts and at what interest rate you have to repay this debt. If you now have more cash, you can choose to pay off the most expensive loans first – provided that accelerated repayment is permitted, of course. But what if you do not have a good understanding of what debts you have outstanding?
If you want an exact overview of all your outstanding accounts, you can request your debts from the BKR. The BKR , or Credit Registration Office, is a central administration point in which consumer credit data is stored. For a small amount (around 5 euros) you can request an overview of your outstanding debts and credits from the BKR. Keep in mind that you cannot request all your debts from the BKR: loans from the Social Services, student loans, mortgages and rental debts are not recorded at the BKR.