If your family budget has suffered in recent years, as a result of the credit crunch, there are many things you can do. You need to change your attitude towards credit cards, loans, and make sure that all your payments are taken care of automatically. You can also look for credit without income via https://www.afinu.de/kredit-ohne-schufa-hier-bekommen-sie-einen-kredit-schufafrei/ (also known as “Kredit ohne Einkommen über”in German language.
You have to eliminate the most expensive bad credit products, and exchange them to a lower interest credit.
Make a family plan
If you want to succeed with a family debt management plan, you will need commitment from everyone. Any children over 16 can participate, and it is also useful for their future development.
Their attitude towards credit can be changed if they are made to take responsibility. Make sure that every member of the family is aware of the bad credit situation, so they will not have unrealistic expectations.