Debt Write-Off Rules for Housing Benefit Debts

Not every housing benefit repayment needs to be paid in full. The Social Insurance Bank (SVB) applies write-off rules for those in financial distress. If your income falls below a set threshold and you have low assets, you may apply for debt remission. This applies to debts up to €700 per person; for amounts above this, it depends on your financial capacity. Submit a request including an overview of your income, expenses, and assets. The SVB assesses your application based on the Participation Act criteria. For partners, a joint assessment applies. Important: you must actively cooperate with debt assistance services. Upon approval, the debt will be remitted or reduced. Alternatively, the SVB may offset the debt against other benefits such as the AOW (state pension). Hardship clauses prevent excessive pressure on vulnerable groups. Consult the Legal Counter for free advice. Approximately 30% of requests are granted, depending on your situation. This way, the law provides a safety net against poverty due to government errors.