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Almost everyone in the Vogelbuurt in Amsterdam-Noord is struggling with debts. Fortunately for the local residents, there is Paul, the unorthodox aid worker who is there for them day and night. But for Ramona and her family, that help comes too late, because when they are thrown out on the street in broad daylight by bailiff Ed, there is no one to help them.

Will is director of Doras, a relief organization in the Vogelbuurt. She is shocked when she learns that Ramona has been thrown out into the street with her husband and young children in her neighborhood. She promises them her help. Ditte and Carmelita also both visit Doras for the first time: they are in dire straits now that the bills are piling up.

When the bell rings in the Vogelbuurt of Amsterdam-Noord, you never know if it is bailiff Ed. But it could also be Satcha, Doras's counselor. Ed actually thinks it's fine to throw the letter through the mailbox, because when people open the door, they are usually angry. At him. Who always wants to be the messenger of the bad news?

As tension builds in Grandma and Grandpa's tiny home that Ramona and her family have moved into, pet shop owner Dennis loses his resilience and desperation takes hold of him. Should he quit his shop after all? While politics and science brainstorm solutions, Will and Paul fight to prevent new evictions.

Ditte feels like the grande dame of the past when she talks about her old jet-set life in Ibiza during a banquet with friends. But the reality is already coming up again: UWV wants a re-examination and she has to work more, despite her chronic pain. Carmelita yields to the pressure to go under administration, but not without a struggle ...

In the final episode of Schuldig, it is Christmas in the Vogelbuurt. Will Dennis keep his pet store, Carmelita keep her dreams and Ditte keep her dignity? Aid worker Paul passed the baton to his successor at the age of 70. But can Paul survive without work and can the neighborhood survive without Paul?