Help with debts

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Sometimes the municipality offers you help with your financial situation without you registering for it. This way we can prevent early payment arrears from accumulating further and developing into debts. This is called early detection.

How does it work?

If you have arrears in the payment of your rent, health insurance, energy or water, the supplier will pass this on to the municipality. Debt counseling offers help by contacting you. We will discuss the cause of the payment arrears with you and help you find a solution. The support is voluntary and can vary from a one-off advice to a trajectory. We make sure that you get the right help as soon as possible. By starting the conversation in time, major financial problems can be prevented.

Is participation mandatory?

No. Participation is not mandatory. The goal is to help you. If you do not want to make use of this, you can indicate this when the help is offered.


Early identification is a statutory task for municipalities in the context of the Municipal Debt Assistance Act (Wgs). National agreements have been made with the representative organizations and trade associations. The municipality of Tilburg has concluded an agreement with each party that submits payment arrears. Good agreements have been made about the exchange of data. It is done in a secure manner, only necessary data is shared and certain personal data are only visible to the employee who has been designated for early detection.

You can object to the data exchange with the organization that reported the payment arrears to us. You also choose whether or not you want to accept the help and whether or not to grant permission to share data with other authorities.

Want to know more about privacy? View the page about privacy >

Experiment Early detection of mortgage arrears

From 1 January 2022, in addition to payment arrears for rent, health insurance, energy and water, the municipality will also receive data from three lenders, namely: Aegon, Rabobank Group and Obvion. This concerns mortgage arrears of homeowners.

What do we do and why?
If you are two months behind on paying the mortgage and you cannot resolve it together with the lender, the municipality will offer you help by contacting you. Over the next four years, the municipality of Tilburg will also try to reach homeowners through early detection.

What data do we get?
Aegon, Rabobank Group and Obvion pass on the name, address, place of residence, telephone number and the amount of payment arrears to the municipality via a joint ICT environment. These signals are kept for 1 year.

Share with third parties
We do not share your data with others outside the Municipality of Tilburg. Only our own employees who deal with early detection can access your data.

Who is responsible for the processing of my personal data?
The municipality of Tilburg is responsible for the processing and protection of your data. Do you have questions about your privacy? Then put them through Our Data Protection Officer is happy to help you.