3. August 2017

Debt

Unexpected extra costs (e.g. a high dental bill or tax debts after a change of canton) leave the end of the month in the red. And also the next one (the health insurance costs were forgotten). And the next one also (now it is tight).
To escape from the debt trap, Ms. C. asks the company for an advance payment. But financial relief is deceptive, not a long-term solution. And the company is not ready to make any further advances. The conflict is inevitable. Now it is time to show alternatives to Ms. C.

Make full use of all possibilities
Budget management and debt management are assistance services that Proitera can provide in such cases.
Often the question is: “How do I manage my life on the breadline?”
Our social workers have sound knowledge of debt management and practice with authorities. They know what matters in correspondence with the authorities.

Avoid unnecessary costs: wage advance as an example
Repeated requests for a wage advance or even a wage increment are often indications of major problems that have a negative effect on the work performance. Professionally working on the problem is very cost effective for your business.

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