Opleiding: Maatschappelijk werk en dienstverlening
Docent:
Toetscode:
Academie: Mens en Maatschappij
School: Saxion Enschede
Plaats, datum: Deventer, 13-11-2015
2
,Voorwoord
Voor u ligt het portfolio van de minor integrale schuldhulpverlening. Voor dit portfolio zijn de lessen van
deze minor gevolgd. Alle bewijzen van kunnen zijn in dit portfolio toegevoegd.
Ik wil alle leraren van de minor integrale schuldhulpverlening bedanken voor hun interessante lessen.
Zonder deze lessen was het mij niet gelukt om dit portfolio in elkaar te zetten.
Ik wens u veel leesplezier!
3
, Inhoudsopgave
Inleiding .................................................................................................................................................... 6
Hoofdstuk 1. Casusbeschrijving ............................................................................................................... 7
Hoofdstuk 2. Intakegesprek schuldhulpverlening .................................................................................... 8
2.1 Inleiding........................................................................................................................................... 8
2.2 Mogelijkheden ................................................................................................................................. 8
2.3 Betrokkenheid bij behandelingsplan ............................................................................................... 9
2.4 Vergroten van handelingsvrijheid en empowerment ...................................................................... 9
2.5 Inzet drang- en dwangmiddelen/ verleidingstechnieken ................................................................ 9
2.6 Communicatief strategisch gehandeld ......................................................................................... 10
2.7 Normatieve, objectieve en subjectieve aspecten ......................................................................... 10
2.8 Belang van de samenleving en de cliënt ...................................................................................... 10
Hoofdstuk 3. Vervolggesprek ................................................................................................................. 11
3.1 Voorbereiding ............................................................................................................................... 11
3.2 Het gesprek .................................................................................................................................. 11
3.3 Confrontatie .................................................................................................................................. 12
Hoofdstuk 4. Budgetplan ........................................................................................................................ 13
4.1 Budgetplan .................................................................................................................................... 13
4.2 Volledigheid en betrouwbaarheid ................................................................................................. 14
4.3 Betrokkenheid en keuzevrijheid cliënt .......................................................................................... 14
4.4 Spanningsveld en gemaakte keuzes ............................................................................................ 15
Hoofdstuk 5. Onderhandelingsgesprek met weigerachtige schuldeiser ................................................ 16
5.1 Inleiding......................................................................................................................................... 16
5.2 HARVARD-methode ..................................................................................................................... 16
5.3 Persoonlijke en zakelijke aspecten .............................................................................................. 17
5.4 BAZO ............................................................................................................................................ 17
Hoofdstuk 6. Plan van aanpak ............................................................................................................... 18
6.1 Analyse van de problematiek ....................................................................................................... 18
6.2 Plan van aanpak ........................................................................................................................... 19
6.3 Belangen van de cliënt, de crediteuren en de samenleving ........................................................ 20
6.3.1 Belang van de cliënt ............................................................................................................... 20
6.3.2 Belang van de crediteuren ..................................................................................................... 20
6.3.3 Belang van de samenleving ................................................................................................... 20
6.4 Betrokkenheid van de cliënt ......................................................................................................... 20
Hoofdstuk 7. Betalingsvoorstel door middel van de VTLB-calculator .................................................... 21
7.1 VTLB calculator ............................................................................................................................ 21
7.2 Uiteindelijk betalingsvoorstel ........................................................................................................ 22
7.3 Betrouwbaarheid waarborgen ...................................................................................................... 22
Hoofdstuk 8. Betalingsvoorstel aan crediteuren .................................................................................... 23
8.1 Voorstelbrieven ............................................................................................................................. 23
Hoofdstuk 9. Adviesgesprek .................................................................................................................. 24
9.1 Beheersysteem financiën ............................................................................................................. 24
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