Debt Counselling – Advanced Qualification (University Certificate in Continuing Education) — postgraduate programme
At a glance
- Study programme
- Debt Counselling – Advanced Qualification (University Certificate in Continuing Education) — postgraduate programme
- Social Work
- Type of programme
- Continuing university education
- Standard Duration
- 3 months
- Start of study programme
- Admission Requirements
- University entrance qualification and at least two year’s relevant professional practice in the field of social work or part-time professional practice in the field of social work of at least 15 hours a week. Proof of successful completion of the continuing education basic course in debt counselling (basic qualification) at Fulda University of Applied Sciences or an equivalent continuing education qualification.
- Language of instructions
- Specific Features
- The advanced programme is offered on a part-time, fee-paying basis. The individual components can be booked separately.
What Is This Programme About?
The advanced programme has three components:
- Loan restructuring plans and public creditors (SB7) - In this component, you learn about creating and formulating payment plans and one-off payment comparisons and the options for assumption of debt by foundations und funds. You also learn how to approach public creditors in debt matters and the possibilities of cancelling and writing off debt, such as money owed to the Inland Revenue and repayment obligations to social welfare offices, job centres or statutory health funds.
- Communication strategies and counselling skills in debt counselling (SB8) - This component focuses on the general counselling skills and communication strategies essential to effective debt counselling. Clarification of the factors leading to debt accumulation and the examination of alternative courses of action require a relationship based on trust, which appropriate communication strategies help establish. Appropriate communication strategies and a well-considered understanding of your role as a counsellor are also important in dealings with creditors, banks, or the judiciary. In this component, you learn counselling techniques essential to debt counselling. Using specific case examples, you practise eliciting the reasons for debt accumulation and developing alternative courses of action with those seeking help.
- Deeper understanding of banking and insolvency law (SB9) - What do debt counsellors need to know about offsetting debt with the sale of property and the associated risks to be able to negotiate with banks successfully? In out-of-court debt settlement,to what extent can sound knowledge about limitation periods for loans, interest claims, and guarantees help, if applicable,to avoid consumer insolvency proceedings? What constitutes an insolvency offence and what consequences may such an offence have on the granting or refusing of the discharge of residual debt? What is the relationship between social security law and social welfare law on the one hand and the Insolvency Act on the other? What can be seized and (how) is property held jointly considered? In what instances can social services providers set off claims in spite of on-going insolvency proceedings? This component considers relevant areas in banking law and consumer insolvency law in depth. Using case examples from debt counselling practice, students acquire a deeper understanding of banking and insolvency law and study current case-law.
Why Choose This Programme?
The advanced programme is aimed at those engaged in social work and counselling, preferably staff at advice centres who have (already) taken on debt counselling duties.
How is the programme structured?
The advanced programme has three components. Each component involves four days’ compulsory attendance at Fulda University of Applied Sciences and comprises 24 learning units. Each component also involves independent study to develop knowledge further (study of the literature).
Where does it lead?
The advanced programme ensures you are best equipped to provide professional support to those in debt in a wide variety of circumstances. You know what options are available with public creditorsand how to discuss these options with them. You have in-depth knowledge of the relevant areas in banking law and consumer insolvency law. You can use the professional communication strategies you have acquired to good effect in your counselling work and in dealings with creditors, banks, or the judiciary.