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Portfolio minor schuldhulpverlening (ASP)
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Het portfolio is geschreven aan de hand van een casus over een gokverslaafde jongvolwassene. Hiervoor heb ik een 7 behaald.
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PortfolioArmoede, participatie en
schuldhulpverlening
Robin Notkamp
500367
EXM0V.ASPa1
,Inhoudsopgave
Voorwoord ............................................................................................................................................... 3
1. Casusbeschrijving ................................................................................................................................ 4
1.1 Casus Tim ....................................................................................................................................... 4
1.2 Behoeftegebied ............................................................................................................................. 4
1.3 Inkomsten, uitgaven en schulden ................................................................................................. 6
2 Intakegesprek met cliënt ...................................................................................................................... 7
2.1 Indeling van het gesprek ............................................................................................................... 7
2.2 Gesprekstechnieken ...................................................................................................................... 7
2.3 Fase van gedragsverandering ........................................................................................................ 8
2.4 Inzet van dwang- en drangmiddelen en verleidingstactieken ...................................................... 8
2.5 Handelingsvrijheid en motivatie Tim............................................................................................. 9
2.6 Reflectie/verbetervoorstellen gesprek ......................................................................................... 9
3 Vervolggesprek cliënt bij niet nagekomen afspraak ........................................................................... 10
3.1 Indeling van het gesprek ............................................................................................................. 10
3.2 Voorbereiding vervolggesprek .................................................................................................... 10
3.3 Fase van gedragsverandering ...................................................................................................... 10
3.4 Reflectie/verbetervoorstellen gesprek ....................................................................................... 10
4 Budgetplan met advies ....................................................................................................................... 12
4.1 Gegevens huishouding en woning .............................................................................................. 12
4.2 Inkomsten .................................................................................................................................... 12
4.3 Uitgaven ...................................................................................................................................... 12
4.3.3 Gokken...................................................................................................................................... 13
4.4 Schulden ...................................................................................................................................... 13
4.5 Inspraak cliënt budgetplan .......................................................................................................... 14
5 Integraal plan van aanpak................................................................................................................... 15
5.1 De cliënt....................................................................................................................................... 15
5.2 De problematiek .......................................................................................................................... 15
5.3 Oplossing volgens Tim ................................................................................................................. 15
5.4 Verwachtingen Tim ...................................................................................................................... 15
5.5 Kans op medewerking crediteuren ............................................................................................. 16
5.6 Samenwerking met Tim ............................................................................................................... 16
5.7 Het traject.................................................................................................................................... 16
6 Berekenen betalingsvoorstel .............................................................................................................. 18
6.1 De oude tegenover de nieuwe situatie ....................................................................................... 18
6.2 Aflossingscapaciteit ..................................................................................................................... 18
1
, 6.3 Verdeling schuldeisers ................................................................................................................. 18
6.4 Berekening aflossing.................................................................................................................... 19
6.5 Aflostijd........................................................................................................................................ 20
6.6 Restbedrag................................................................................................................................... 21
6.7 Kans van slagen ........................................................................................................................... 22
7 Betalingsvoorstel inclusief brieven aan schuldeisers.......................................................................... 23
8 Onderhandeling met weigerachtige schuldeiser ................................................................................ 25
8.1 Indeling van het gesprek ............................................................................................................. 25
8.2 Argumenten................................................................................................................................. 25
8.3 Zakelijke en persoonlijke aspecten ............................................................................................. 25
8.4 Oplossing tegenover de BAZO ..................................................................................................... 26
8.5 De Harvard-methode................................................................................................................... 26
8.6 Reflectie/verbetervoorstellen gesprek ....................................................................................... 26
9 Adviesgesprek met cliënt over beheersysteem financiën .................................................................. 27
9.1 Indeling van het gesprek ............................................................................................................. 27
9.2 Beheerssysteem financiën........................................................................................................... 27
9.3 Fase van gedragsverandering ...................................................................................................... 27
9.4 Inzet interventies......................................................................................................................... 28
9.5 Reflectie/verbetervoorstellen gesprek ....................................................................................... 28
10 Evaluatie gehele cyclus ..................................................................................................................... 29
10.1 Gebruikte casus ......................................................................................................................... 29
10.2 Leerdoelen ................................................................................................................................. 29
10.3 Feedback van medestudenten .................................................................................................. 30
10.4 Problemen bij het werken aan de casus ................................................................................... 32
10.5 Sterkte-/zwakteanalyse ............................................................................................................. 32
Literatuurlijst ......................................................................................................................................... 34
Bijlage 1 Budgetplan .............................................................................................................................. 35
Bijlage 2 VTLB calculator........................................................................................................................ 36
Bijlage 3 Inventarisatie schulden ........................................................................................................... 39
Bijlage 4 Aflossingen .............................................................................................................................. 40
Bijlage 5 Brieven met betalingsvoorstel ................................................................................................ 41
Bijlage 6 Berekening aflossingsruimte en overzicht schuldeisers.......................................................... 47
Bijlage 7 Feedback- en verantwoordingsformulier (Daniël Slamp) ....................................................... 52
Bijlage 8 Feedback- en verantwoordingsformulier (Marlon Masselink)................................................ 65
2
, Voorwoord
Mijn naam is Robin Notkamp en ik ben 23 jaar. Momenteel zit ik in het laatste studiejaar van de
opleiding Finance & Control aan de Hogeschool Saxion in Enschede. Mijn interesse voor
schuldhulpverlening is ontstaan door verhalen van naasten en nieuwsberichten. Om meer kennis op
te doen over de schuldhulpverlening heb ik voor deze minor gekozen. Door steeds meer te leren over
het werkveld, kan ik voor mijzelf vaststellen of hierin daadwerkelijk een ambitie voor mij inzit. Dit
portfolio heb ik opgesteld in het kader van de minor Armoede, Schuldhulpverlening en Participatie.
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