Debt Assistance and Social Assistance in Delft: Impact on Asset Limit

Debt assistance in Delft, such as via the Debt Rescheduling Natural Persons Act (WSNP) or the municipal trajectory, positively affects the social assistance limit for residents. In the Debt Rescheduling Natural Persons Act (WSNP), €5,670 per person is protected assets (2024), in addition to the social assistance limit. The Municipality of Delft adjusts the assets test in case of debts: no repayment obligation for social assistance. Article 41 of the Participation Act (successor to the WWB) allows deduction of debts from assets. In an amicable arrangement in Delft, the benefit remains intact during repayment. Exception: WSNP does not stop social assistance, but applies the 'reasonable provision level'. Report debts immediately upon application at the Delft social counter: prevents sanctions. Local practice in Delft: garnishment-free foot protects €1,500 monthly for basic needs. After successful WSNP: clean slate and full social assistance. Costs of the trajectory are free via the Municipality of Delft, often via GGD or Debt Assistance Society Delft. Tips for Delft residents: start with the free budget management course at the WMO counter. Legal basis: Bankruptcy Act and Participation Act. Success rate in Delft region 45-55%: clean slate achievable. Combine with social assistance for minimum standard of living. Apply for a guardian in case of severe problematic debts via the district court in The Hague. Contact Team Social Assistance Delft for personal advice.