TO GO WITH AFP STORY BY AURELIA END – FILES – Illustration picture taken on January 31, 2007 shows a calculator, informal flyers about debts and a list of creditors at a helpdesk for people in financial difficulties run by the relief organisation Caritas in Erfurt, eastern Germany. With more and more people being in private bankruptcy, a network called “Insolvents anonymous” has been created in Germany in order to help. AFP PHOTO DDP / JENS-ULRICH KOCH GERMANY OUT (Photo credit should read JENS-ULRICH KOCH/AFP/Getty Images)