{"type":"document","data":{"id":"5cf6c7a7-c38f-424b-961f-494a92ed97b6","localeString":"en-GB","publishDate":"2026-04-09T17:18:48.649+02:00","contentType":"onecms:categoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Do you have money worries due to a divorce or job loss? Check what we can offer to support you to prevent major problems like debt or debt collection."},"mainHeaderZone":{"componentType":"categoryHeader","coreHeader":{"title":"Money worries"}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Prevention and solution"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span>E</span></span></span></span></span>veryone goes through tight times now and then. <span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span>Sometimes just briefly, sometimes for a bit longer. Whatever is going on, you’re not alone. Maybe you want more clarity about your situation. Maybe you’re worried about your finances. Or perhaps there are already bills you can no longer pay. On this page, you’ll find what you need right now — and what you can do: on your own or together with us.</span></span></span></span></span></p>"}},{"componentType":"sectionTitle","title":"Do you recognize this?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span>You’re managing financially just fine, until something suddenly changes. Can you still afford everything then? Or maybe you’ve already passed that point and your arrears are starting to build up. </span></span></span></span></span><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span>Whatever situation you’re in, there is always something you can do or you can get help.</span></span></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"I'm worried","intro":"Is something in your life changing? And do you feel uncertain about whether you can make all your payments? Check what you can do","image":{"transformBaseUrl":"https://assets.ing.com/transform/90651342-c716-4995-bc32-8b93b8a7d12d/Woman-thinking-money-house-spot","type":"image","width":334,"original":"https://assets.ing.com/m/43c8a6ebf9a7b739/original/Woman-thinking-money-house-spot.png","extension":"png"},"link":{"url":"/en/personal/money-worries/it-can-happen-to-anyone"},"linkText":"Check what you can do"},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"I have debts","intro":"Are you no longer able to pay your bills? Or are you receiving reminders? \r\nCheck what you can do","image":{"transformBaseUrl":"https://assets.ing.com/transform/f5820797-f499-40a9-9fc9-d3e8f753694d/Administration-Business","type":"image","width":160,"original":"https://assets.ing.com/m/777fa3b8222eb291/original/Administration-Business.svg","extension":"svg"},"link":{"url":"/en/personal/money-worries/arrears-youre-not-alone"},"linkText":"Check what you can do"}]},{"componentType":"cta","textLink":{"url":"https://www.ing.nl/particulier/preventie/cml-coll-preventie?subscrid=cml-coll-preventie","text":"Schedule an appointment"}},{"componentType":"sectionTitle","title":"You are not the only one"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span>According to Nibud, Leiden University, Wijzer in geldzaken, and Geldzaken, around 1 million people in the Netherlands experience payment problems every year.</span></span></span></span></span></p><p> </p>"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/e644e967-402c-474b-af4f-17c0b1a239b4/2026_Collections-Image-infographic-for-ing-nl-EN","altTextEN":"Numbers money worries in NL","original":"https://assets.ing.com/asset/e644e967-402c-474b-af4f-17c0b1a239b4/2026_Collections-Image-infographic-for-ing-nl-EN.png","extension":"png"}},{"componentType":"sectionTitle","title":"This is what you can do"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span>Would you like to solve it yourself? Or would you like to have a look at your situation together?<br />See what you need to get more control and peace of mind.</span></span></span></span></span></p>"}},{"componentType":"paragraph","title":"Do it yourself","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/personal/money-worries/financial-fit-scan","text":"How are you managing? Fill in the Financial fit scan"},{"url":"https://potjescheck.geldfit.nl/?utm_medium=partner&utm_source=ing&utm_campaign=1234","text":"Are you entitled to anything? Fill in the Potjes check"},{"url":"https://www.ing.nl/en/personal/financial-health/save/saving-tips","text":"View the saving tips"},{"url":"/en/personal/financial-health/benefits","text":"Check out the tips for extra income"}]},{"componentType":"paragraph","title":"Do it together","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/personal/money-worries/help-from-other-organisations","text":"See what Geldfit, Nibud or your municipality can do for you"},{"url":"/en/personal/money-worries/it-can-happen-to-anyone","text":"See what we can do for you"},{"url":"https://www.ing.nl/particulier/preventie/cml-coll-preventie?subscrid=cml-coll-preventie","text":"Schedule a call me later appointment"}]},{"componentType":"sectionTitle","title":"Questions?"},{"componentType":"accordion","accordionList":[{"title":"Am I committing to anything when I call?","richBody":{"value":"<p><span lang=\"EN-US\" dir=\"ltr\"><span><span>No. When you call us, you’re not committing to anything. We listen to your situation and think along with you. Together, we explore the options, and you always decide what you do or don’t want to do.</span></span></span></p>"}},{"title":"Will my information be used against me?","richBody":{"value":"<p><span lang=\"EN-US\" dir=\"ltr\"><span><span>No. The information you share with us is used to help you and to think along with you. We handle your data with care and do not use it against you. Everything is done according to our privacy guidelines.</span></span></span></p>"}},{"title":"Does it cost money to contact you?","richBody":{"value":"<p><span lang=\"EN-US\" dir=\"ltr\"><span><span>No. Getting in touch is completely free of charge. You can call, chat or e-mail us without any costs to discuss your situation and explore the possibilities together.</span></span></span></p>"}},{"title":"Why would a bank help me?","richBody":{"value":"<p><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Because we want you to stay in control of your money. We’re happy to think along with you to prevent problems - or reduce them if they&apos;ve already started. The sooner you reach out, the better we can work together to explore your options.</span></span></span></span></span></p>"}},{"title":"How do I know it’s really ING calling me?","richBody":{"value":"<p><span lang=\"EN-US\" dir=\"ltr\"><span><span>With </span></span></span><span lang=\"EN-US\" dir=\"ltr\"><span><span>‘Check the Call’</span></span></span><span lang=\"EN-US\" dir=\"ltr\"><span><span>, you can immediately see whether ING is calling you. Are you being called by someone claiming to be from ING? Open the ING App or My ING and use the button </span></span></span><span lang=\"EN-US\" dir=\"ltr\"><span><span>‘Is ING calling? Check the Call’</span></span></span><span lang=\"EN-US\" dir=\"ltr\"><span><span>. You’ll instantly see whether the call is genuine. If it’s not, hang up right away.</span></span></span></p>"}}]}]},"freeHeaderLayout":"none"}}