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Together towards a debt-free life

With Schuldhulpje you take the first step towards financial peace.

100% anonymousAI-supportedAlways free
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Incasso

Our partners and sponsors

Divosa
Gemeente Delft
Arkintel

A solution for everyone

Schuldhulpje connects everyone involved in one powerful ecosystem.

Schuldhulpje for professionals
FOR PROFESSIONALS

Reduced workload, better results

Efficiency is crucial for social workers and debt counselors. Schuldhulpje accelerates intakes and reporting, effectively shortening waiting times.

  • Faster turnaround times and shorter waiting lists
  • Automated case file building
  • Data-driven insights for policy
Schuldhulpje for volunteers
FOR VOLUNTEERS

More time for people

Volunteers spend a lot of time on paperwork. Schuldhulpje automates this, so you can focus on the people and the guidance they need.

  • Less paperwork, more time for personal connection
  • AI support for complex cases
  • Always up-to-date with the latest regulations
Schuldhulpje for residents
FOR RESIDENTS

Control, peace of mind, and independence

Many people with debts avoid seeking help due to shame. Schuldhulpje breaks down that barrier. The tool is completely anonymous and helps you gain control of your finances independently.

  • Instant insight into when you'll be debt-free
  • Automatically scan and explain letters
  • Get anonymous, non-judgmental help
FEATURES

This is how we make your life easier

AI document scanner

Turn that pile of mail into pure clarity

That unopened envelope from the collection agency? The final bill from the energy company? Stop worrying. Take a photo, upload a PDF, and watch our AI, powered by Gemini, extract all important info in seconds. Creditor, amount, payment reference - it's instantly correct. You don't have to type anything yourself. Feel the relief.

Visual dashboard

A dashboard that brings peace, not panic

Numbers can be overwhelming. That's why we translate everything into a clear, visual story. The donut chart shows where your money goes. The progress bar celebrates every euro you pay off. And the financial projection shows there's light at the end of the tunnel. This isn't just an overview; this is your command center for financial peace.

Robot met laptop en dashboard
Personal AI assistant

Your financial sidekick who never judges

How do you ask for a payment extension? What should you say? Stop searching. Ask Schuldhulpje. "Draft an email to the Tax Authority asking for a payment arrangement of €100 per month." The AI writes a perfect, formal email you can use immediately. It's your coach, copywriter, and pillar of support, available 24/7.

Afstuderende Robot Assistent
Smart email generator

No more stress about that difficult email

Need to draft a formal email to a creditor, the municipality, or another agency? Our AI-driven email generator helps you in a snap. Briefly describe the situation, and the AI generates a professional, clear email you can copy and send immediately. Save time, reduce stress, and ensure your message always comes across perfectly.

TESTIMONIALS

They went before you

Read the experiences of professionals who are already using the tool

This is what our volunteers have been waiting for for years! Finally an effective and complete debt tool that both we and the residents can use immediately.

Debt relief coordinator

Incredible! I went from a chaotic pile of letters to a complete, organized administration, all within 5 minutes.

Experience expert

This is an impressive and complete solution. We can effectively help all professionals, volunteers AND residents with debts with this.

Debt relief worker

This is fantastic! I can finally focus on the conversation with the resident, instead of typing data into Excel.

Debt relief specialist (Divosa)

We are very happy with the overview we now have in supporting residents with debts. It gives us valuable insights.

Municipal official

When people ask for help, we need to be able to act immediately, otherwise motivation disappears. With this tool we can be there for residents.

Debt relief volunteer

This is what our volunteers have been waiting for for years! Finally an effective and complete debt tool that both we and the residents can use immediately.

Debt relief coordinator

Incredible! I went from a chaotic pile of letters to a complete, organized administration, all within 5 minutes.

Experience expert

This is an impressive and complete solution. We can effectively help all professionals, volunteers AND residents with debts with this.

Debt relief worker

This is fantastic! I can finally focus on the conversation with the resident, instead of typing data into Excel.

Debt relief specialist (Divosa)

We are very happy with the overview we now have in supporting residents with debts. It gives us valuable insights.

Municipal official

When people ask for help, we need to be able to act immediately, otherwise motivation disappears. With this tool we can be there for residents.

Debt relief volunteer
SECURITY & COMPLIANCE

Safe and reliable for your residents

Designed to meet the highest security and compliance requirements for government agencies

Schuldhulpje Security

Compliance & certification

GDPR compliant

Fully compliant with the General Data Protection Regulation (GDPR).

GIBIT compliant

Compliant with Municipal Procurement Conditions for IT.

VNG procurement conditions

In line with the procurement conditions of the Association of Netherlands Municipalities.

EU AI Act ready

Developed according to the AI Conditions of the upcoming EU AI Act legislation.

HTTPS & TLS 1.3

Latest encryption standard for maximum data security.

HSTS enabled

HTTP Strict Transport Security prevents downgrade attacks.

EU based

Data is processed and stored exclusively within the European Union.

High availability

Redundant systems and automatic failover for maximum uptime.

QA process compliant

Designed to meet standard Quality Assurance Process requirements.

Internal security controls

Strict internal security controls to ensure data safety.

FAQ

Frequently asked questions

Everything you want to know about Schuldhulpje

Ready for the most important step?

Your new financial life starts here and now. No more procrastination. No more stress. Take back control. You can do this, and Schuldhulpje is here to help you every step of the way.