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  1. I would like to ask this the below - I wonder if anyone can advise    1- Is there citizen advice bureau I can ask about money matters/dept in English, and it's free and its in Germany    2- do you know what happens to a person on sole name took a personal consumer loan, then dies, then he dies... does the wife inherits this loan? Is there way not to pay it as it was not the wife who took it.