I can only agree with the tenor of the previous reviewers. I myself was threatened by foreclosure measures due to considerable over-indebtedness. The advice and support in my case was, as far as I can judge as a layman, professionally outstanding, I always received more information than requested. My case worker, Mr. Schwarz, was a very pleasant person with whom it was always fun to work. I always had the feeling that he was not only interested in helping me professionally, but also personally.