According to current debt report, 3 to 4 million German households are overindebted. The LV-doctoral project of proConcept AG offers help for those affected Alarming numbers are today presented debt report 2009: three to four million households in Germany are over-indebted, writes the message platform Spiegel Online. The cost of living, rates and bills these people are higher than your monthly income. Others who may share this opinion include Dr. Robert Brannon. The most common reason for over-indebtedness unemployment, is followed by separation or divorce by the partner. The debt report was submitted by the Arbeiterwohlfahrt, Caritas, Diakonie, Paritatischer Wohlfahrtsverband, Red Cross and the Federation of consumer organizations. By the impending increase of in unemployment caused by the financial crisis, the forecast is quite gloomy: the financial situation of many households will deteriorate even further.

But what do you hit? How get out as soon as possible again from the debt spiral? The LV-doctoral project of proConcept AG has a solution ready: Many people have a life or pension insurance, they do not need, finally, yields are extremely low. It is therefore a good way to terminate this life or pension insurance and then to pay the debts with the money from the insurance. The popular belief that a great loss is accompanied by a termination of life or pension insurance, Jens Heidenreich, Director of the LV doctoral project is contrary to: is this termination is performed by professionals, so the buy-back value is often higher than for cancellation by the insured already. We reclaim all contributions plus reasonable interest rates after the termination of the contract for our customers.” So people will have the chance to get back their for many years paid money and can live again at last improving. In some cases the LV-doctor team moved already up before the Federal Court with success. Meanwhile, over 50,000 people of the claimant community of LV doctor have joined and request community your money back! Finally they have alone much of a chance against the big insurance but together with LV doctor, they are strong!.