Debt Assistance and Benefits in Rotterdam: Impact on Asset Limit

Debt assistance in Rotterdam, such as via the WSNP or the municipal trajectory of Centrum SchuldHulpverlening Rotterdam (CSHR), positively influences the benefits asset limit. In the WSNP (Debt Rescheduling Natural Persons Act), there is protected assets of €5,670 per person (2024), which is above the benefits limit. Rotterdam debt counsellors lower the asset limit in case of debts: no repayment obligation for benefits. Article 41 of the Participation Act (PW, successor to WWB) allows deduction of debts from assets. In an amicable trajectory via CSHR, the benefits payment remains intact during repayment. Exception: WSNP does not stop benefits, but applies a 'reasonable provision level' adjusted to Rotterdam cost of living. Report debts immediately upon application to the Rotterdam municipality: prevents sanctions and accelerates assistance. Practice in Rotterdam: garnishment-free foot protects €1,500 monthly, with extra attention for port workers and flexible labourers. After WSNP: clean slate with full benefits. Trajectory costs free via Rotterdam neighbourhood teams or CSHR. Tips: start with budget management course at SchuldHulpMatig Rotterdam or Human Concern. Legal basis: Bankruptcy Act and Participation Act, plus local Minimum Provisions Rotterdam regulation. Local success rate 45-65%: clean slate achievable through intensive guidance. Combine with benefits for minimum standard of living in the Maasstad. Apply for protective administration to the district court in Rotterdam for problematic debts.