diff --git a/backend/controllers/falukantController.js b/backend/controllers/falukantController.js
index a888da3..b0fb50a 100644
--- a/backend/controllers/falukantController.js
+++ b/backend/controllers/falukantController.js
@@ -29,30 +29,30 @@ class FalukantController {
     // Dashboard widget: originaler Endpoint (siehe Commit 62d8cd7)
     this.getDashboardWidget = this._wrapWithUser((userId) => this.service.getDashboardWidget(userId));
         this.getBranches = this._wrapWithUser((userId) => this.service.getBranches(userId));
-        this.createBranch = this._wrapWithUser((userId, req) => this.service.createBranch(userId, req.body.cityId, req.body.branchTypeId));
+        this.createBranch = this._wrapWithUser((userId, req) => this.service.createBranch(userId, req.body.cityId, req.body.branchTypeId), { blockInDebtorsPrison: true });
         this.getBranchTypes = this._wrapWithUser((userId) => this.service.getBranchTypes(userId));
         this.getBranch = this._wrapWithUser((userId, req) => this.service.getBranch(userId, req.params.branch));
-        this.upgradeBranch = this._wrapWithUser((userId, req) => this.service.upgradeBranch(userId, req.body.branchId));
+        this.upgradeBranch = this._wrapWithUser((userId, req) => this.service.upgradeBranch(userId, req.body.branchId), { blockInDebtorsPrison: true });
         this.createProduction = this._wrapWithUser((userId, req) => {
             const { branchId, productId, quantity } = req.body;
             return this.service.createProduction(userId, branchId, productId, quantity);
-        }, { successStatus: 201 });
+        }, { successStatus: 201, blockInDebtorsPrison: true });
         this.getProduction = this._wrapWithUser((userId, req) => this.service.getProduction(userId, req.params.branchId));
         this.getStock = this._wrapWithUser((userId, req) => this.service.getStock(userId, req.params.branchId || null));
         this.createStock = this._wrapWithUser((userId, req) => {
             const { branchId, stockTypeId, stockSize } = req.body;
             return this.service.createStock(userId, branchId, stockTypeId, stockSize);
-        }, { successStatus: 201 });
+        }, { successStatus: 201, blockInDebtorsPrison: true });
         this.getProducts = this._wrapWithUser((userId) => this.service.getProducts(userId));
         this.getInventory = this._wrapWithUser((userId, req) => this.service.getInventory(userId, req.params.branchId));
         this.sellProduct = this._wrapWithUser((userId, req) => {
             const { branchId, productId, quality, quantity } = req.body;
             return this.service.sellProduct(userId, branchId, productId, quality, quantity);
-        }, { successStatus: 201 });
+        }, { successStatus: 201, blockInDebtorsPrison: true });
         this.sellAllProducts = this._wrapWithUser((userId, req) => {
             const { branchId } = req.body;
             return this.service.sellAllProducts(userId, branchId);
-        }, { successStatus: 201 });
+        }, { successStatus: 201, blockInDebtorsPrison: true });
         this.moneyHistory = this._wrapWithUser((userId, req) => {
             let { page, filter } = req.body;
             if (!page) page = 1;
@@ -66,11 +66,11 @@ class FalukantController {
         this.buyStorage = this._wrapWithUser((userId, req) => {
             const { branchId, amount, stockTypeId } = req.body;
             return this.service.buyStorage(userId, branchId, amount, stockTypeId);
-        }, { successStatus: 201 });
+        }, { successStatus: 201, blockInDebtorsPrison: true });
         this.sellStorage = this._wrapWithUser((userId, req) => {
             const { branchId, amount, stockTypeId } = req.body;
             return this.service.sellStorage(userId, branchId, amount, stockTypeId);
-        }, { successStatus: 202 });
+        }, { successStatus: 202, blockInDebtorsPrison: true });
 
         this.getStockTypes = this._wrapSimple(() => this.service.getStockTypes());
         this.getStockOverview = this._wrapSimple(() => this.service.getStockOverview());
@@ -80,18 +80,18 @@ class FalukantController {
             console.log('🔍 getDirectorProposals called with userId:', userId, 'branchId:', req.body.branchId);
             return this.service.getDirectorProposals(userId, req.body.branchId);
         });
-        this.convertProposalToDirector = this._wrapWithUser((userId, req) => this.service.convertProposalToDirector(userId, req.body.proposalId));
+        this.convertProposalToDirector = this._wrapWithUser((userId, req) => this.service.convertProposalToDirector(userId, req.body.proposalId), { blockInDebtorsPrison: true });
         this.getDirectorForBranch = this._wrapWithUser((userId, req) => this.service.getDirectorForBranch(userId, req.params.branchId));
         this.getAllDirectors = this._wrapWithUser((userId) => this.service.getAllDirectors(userId));
         this.updateDirector = this._wrapWithUser((userId, req) => {
             const { directorId, income } = req.body;
             return this.service.updateDirector(userId, directorId, income);
-        });
+        }, { blockInDebtorsPrison: true });
 
         this.setSetting = this._wrapWithUser((userId, req) => {
             const { branchId, directorId, settingKey, value } = req.body;
             return this.service.setSetting(userId, branchId, directorId, settingKey, value);
-        });
+        }, { blockInDebtorsPrison: true });
 
         this.getFamily = this._wrapWithUser(async (userId) => {
             const result = await this.service.getFamily(userId);
@@ -99,9 +99,9 @@ class FalukantController {
             return result;
         });
         this.getPotentialHeirs = this._wrapWithUser((userId) => this.service.getPotentialHeirs(userId));
-        this.selectHeir = this._wrapWithUser((userId, req) => this.service.selectHeir(userId, req.body.heirId));
-        this.setHeir = this._wrapWithUser((userId, req) => this.service.setHeir(userId, req.body.childCharacterId));
-        this.acceptMarriageProposal = this._wrapWithUser((userId, req) => this.service.acceptMarriageProposal(userId, req.body.proposalId));
+        this.selectHeir = this._wrapWithUser((userId, req) => this.service.selectHeir(userId, req.body.heirId), { blockInDebtorsPrison: true });
+        this.setHeir = this._wrapWithUser((userId, req) => this.service.setHeir(userId, req.body.childCharacterId), { blockInDebtorsPrison: true });
+        this.acceptMarriageProposal = this._wrapWithUser((userId, req) => this.service.acceptMarriageProposal(userId, req.body.proposalId), { blockInDebtorsPrison: true });
         this.cancelWooing = this._wrapWithUser(async (userId) => {
             try {
                 return await this.service.cancelWooing(userId);
@@ -111,25 +111,25 @@ class FalukantController {
                 }
                 throw e;
             }
-        }, { successStatus: 202 });
+        }, { successStatus: 202, blockInDebtorsPrison: true });
         this.getGifts = this._wrapWithUser((userId) => {
             console.log('🔍 getGifts called with userId:', userId);
             return this.service.getGifts(userId);
         });
         this.setLoverMaintenance = this._wrapWithUser((userId, req) =>
-            this.service.setLoverMaintenance(userId, req.params.relationshipId, req.body?.maintenanceLevel));
+            this.service.setLoverMaintenance(userId, req.params.relationshipId, req.body?.maintenanceLevel), { blockInDebtorsPrison: true });
         this.createLoverRelationship = this._wrapWithUser((userId, req) =>
-            this.service.createLoverRelationship(userId, req.body?.targetCharacterId, req.body?.loverRole), { successStatus: 201 });
+            this.service.createLoverRelationship(userId, req.body?.targetCharacterId, req.body?.loverRole), { successStatus: 201, blockInDebtorsPrison: true });
         this.spendTimeWithSpouse = this._wrapWithUser((userId) =>
-            this.service.spendTimeWithSpouse(userId));
+            this.service.spendTimeWithSpouse(userId), { blockInDebtorsPrison: true });
         this.giftToSpouse = this._wrapWithUser((userId, req) =>
-            this.service.giftToSpouse(userId, req.body?.giftLevel));
+            this.service.giftToSpouse(userId, req.body?.giftLevel), { blockInDebtorsPrison: true });
         this.reconcileMarriage = this._wrapWithUser((userId) =>
-            this.service.reconcileMarriage(userId));
+            this.service.reconcileMarriage(userId), { blockInDebtorsPrison: true });
         this.acknowledgeLover = this._wrapWithUser((userId, req) =>
-            this.service.acknowledgeLover(userId, req.params.relationshipId));
+            this.service.acknowledgeLover(userId, req.params.relationshipId), { blockInDebtorsPrison: true });
         this.endLoverRelationship = this._wrapWithUser((userId, req) =>
-            this.service.endLoverRelationship(userId, req.params.relationshipId));
+            this.service.endLoverRelationship(userId, req.params.relationshipId), { blockInDebtorsPrison: true });
         this.getChildren = this._wrapWithUser((userId) => this.service.getChildren(userId));
         this.sendGift = this._wrapWithUser(async (userId, req) => {
             try {
@@ -140,59 +140,59 @@ class FalukantController {
                 }
                 throw e;
             }
-        });
+        }, { blockInDebtorsPrison: true });
 
         this.getTitlesOfNobility = this._wrapWithUser((userId) => this.service.getTitlesOfNobility(userId));
         this.getReputationActions = this._wrapWithUser((userId) => this.service.getReputationActions(userId));
         this.executeReputationAction = this._wrapWithUser((userId, req) =>
-            this.service.executeReputationAction(userId, req.body?.actionTypeId), { successStatus: 201 });
+            this.service.executeReputationAction(userId, req.body?.actionTypeId), { successStatus: 201, blockInDebtorsPrison: true });
         this.getHouseTypes = this._wrapWithUser((userId) => this.service.getHouseTypes(userId));
         this.getMoodAffect = this._wrapWithUser((userId) => this.service.getMoodAffect(userId));
         this.getCharacterAffect = this._wrapWithUser((userId) => this.service.getCharacterAffect(userId));
         this.getUserHouse = this._wrapWithUser((userId) => this.service.getUserHouse(userId));
         this.getBuyableHouses = this._wrapWithUser((userId) => this.service.getBuyableHouses(userId));
-        this.buyUserHouse = this._wrapWithUser((userId, req) => this.service.buyUserHouse(userId, req.body.houseId), { successStatus: 201 });
-        this.hireServants = this._wrapWithUser((userId, req) => this.service.hireServants(userId, req.body?.amount), { successStatus: 201 });
-        this.dismissServants = this._wrapWithUser((userId, req) => this.service.dismissServants(userId, req.body?.amount));
-        this.setServantPayLevel = this._wrapWithUser((userId, req) => this.service.setServantPayLevel(userId, req.body?.payLevel));
-        this.tidyHousehold = this._wrapWithUser((userId) => this.service.tidyHousehold(userId));
+        this.buyUserHouse = this._wrapWithUser((userId, req) => this.service.buyUserHouse(userId, req.body.houseId), { successStatus: 201, blockInDebtorsPrison: true });
+        this.hireServants = this._wrapWithUser((userId, req) => this.service.hireServants(userId, req.body?.amount), { successStatus: 201, blockInDebtorsPrison: true });
+        this.dismissServants = this._wrapWithUser((userId, req) => this.service.dismissServants(userId, req.body?.amount), { blockInDebtorsPrison: true });
+        this.setServantPayLevel = this._wrapWithUser((userId, req) => this.service.setServantPayLevel(userId, req.body?.payLevel), { blockInDebtorsPrison: true });
+        this.tidyHousehold = this._wrapWithUser((userId) => this.service.tidyHousehold(userId), { blockInDebtorsPrison: true });
 
         this.getPartyTypes = this._wrapWithUser((userId) => this.service.getPartyTypes(userId));
         this.createParty = this._wrapWithUser((userId, req) => {
             const { partyTypeId, musicId, banquetteId, nobilityIds, servantRatio } = req.body;
             return this.service.createParty(userId, partyTypeId, musicId, banquetteId, nobilityIds, servantRatio);
-        }, { successStatus: 201 });
+        }, { successStatus: 201, blockInDebtorsPrison: true });
         this.getParties = this._wrapWithUser((userId) => this.service.getParties(userId));
 
         this.getNotBaptisedChildren = this._wrapWithUser((userId) => this.service.getNotBaptisedChildren(userId));
         this.baptise = this._wrapWithUser((userId, req) => {
             const { characterId: childId, firstName } = req.body;
             return this.service.baptise(userId, childId, firstName);
-        });
+        }, { blockInDebtorsPrison: true });
         this.getChurchOverview = this._wrapWithUser((userId) => this.service.getChurchOverview(userId));
         this.getAvailableChurchPositions = this._wrapWithUser((userId) => this.service.getAvailableChurchPositions(userId));
         this.getSupervisedApplications = this._wrapWithUser((userId) => this.service.getSupervisedApplications(userId));
         this.applyForChurchPosition = this._wrapWithUser((userId, req) => {
             const { officeTypeId, regionId } = req.body;
             return this.service.applyForChurchPosition(userId, officeTypeId, regionId);
-        });
+        }, { blockInDebtorsPrison: true });
         this.decideOnChurchApplication = this._wrapWithUser((userId, req) => {
             const { applicationId, decision } = req.body;
             return this.service.decideOnChurchApplication(userId, applicationId, decision);
-        });
+        }, { blockInDebtorsPrison: true });
 
         this.getEducation = this._wrapWithUser((userId) => this.service.getEducation(userId));
         this.sendToSchool = this._wrapWithUser((userId, req) => {
             const { item, student, studentId } = req.body;
             return this.service.sendToSchool(userId, item, student, studentId);
-        });
+        }, { blockInDebtorsPrison: true });
 
         this.getBankOverview = this._wrapWithUser((userId) => this.service.getBankOverview(userId));
         this.getBankCredits = this._wrapWithUser((userId) => this.service.getBankCredits(userId));
-        this.takeBankCredits = this._wrapWithUser((userId, req) => this.service.takeBankCredits(userId, req.body.height));
+        this.takeBankCredits = this._wrapWithUser((userId, req) => this.service.takeBankCredits(userId, req.body.height), { blockInDebtorsPrison: true });
 
         this.getNobility = this._wrapWithUser((userId) => this.service.getNobility(userId));
-        this.advanceNobility = this._wrapWithUser((userId) => this.service.advanceNobility(userId));
+        this.advanceNobility = this._wrapWithUser((userId) => this.service.advanceNobility(userId), { blockInDebtorsPrison: true });
 
         this.getHealth = this._wrapWithUser((userId) => this.service.getHealth(userId));
         this.healthActivity = this._wrapWithUser(async (userId, req) => {
@@ -204,13 +204,13 @@ class FalukantController {
                 }
                 throw e;
             }
-        });
+        }, { blockInDebtorsPrison: true });
 
         this.getPoliticsOverview = this._wrapWithUser((userId) => this.service.getPoliticsOverview(userId));
         this.getOpenPolitics = this._wrapWithUser((userId) => this.service.getOpenPolitics(userId));
         this.getElections = this._wrapWithUser((userId) => this.service.getElections(userId));
-        this.vote = this._wrapWithUser((userId, req) => this.service.vote(userId, req.body.votes));
-        this.applyForElections = this._wrapWithUser((userId, req) => this.service.applyForElections(userId, req.body.electionIds));
+        this.vote = this._wrapWithUser((userId, req) => this.service.vote(userId, req.body.votes), { blockInDebtorsPrison: true });
+        this.applyForElections = this._wrapWithUser((userId, req) => this.service.applyForElections(userId, req.body.electionIds), { blockInDebtorsPrison: true });
 
         this.getRegions = this._wrapWithUser((userId) => this.service.getRegions(userId));
     this.getBranchTaxes = this._wrapWithUser((userId, req) => this.service.getBranchTaxes(userId, req.params.branchId));
@@ -248,8 +248,8 @@ class FalukantController {
             })).filter(i => !Number.isNaN(i.productId) && !Number.isNaN(i.currentPrice));
             return this.service.getProductPricesInCitiesBatch(userId, valid, Number.isNaN(currentRegionId) ? null : currentRegionId);
         });
-        this.renovate = this._wrapWithUser((userId, req) => this.service.renovate(userId, req.body.element));
-        this.renovateAll = this._wrapWithUser((userId) => this.service.renovateAll(userId));
+        this.renovate = this._wrapWithUser((userId, req) => this.service.renovate(userId, req.body.element), { blockInDebtorsPrison: true });
+        this.renovateAll = this._wrapWithUser((userId) => this.service.renovateAll(userId), { blockInDebtorsPrison: true });
 
         this.getUndergroundTypes = this._wrapWithUser((userId) => this.service.getUndergroundTypes(userId));
         this.getUndergroundActivities = this._wrapWithUser((userId) => this.service.getUndergroundActivities(userId));
@@ -277,7 +277,7 @@ class FalukantController {
                 throw { status: 400, message: 'goal is required for corrupt_politician' };
             }
             return this.service.createUndergroundActivity(userId, payload);
-        }, { successStatus: 201 });
+        }, { successStatus: 201, blockInDebtorsPrison: true });
 
         this.getUndergroundAttacks = this._wrapWithUser((userId, req) => {
             const direction = (req.query.direction || '').toLowerCase();
@@ -291,14 +291,14 @@ class FalukantController {
         this.getVehicleTypes = this._wrapWithUser((userId) => this.service.getVehicleTypes(userId));
         this.buyVehicles = this._wrapWithUser(
             (userId, req) => this.service.buyVehicles(userId, req.body),
-            { successStatus: 201 }
+            { successStatus: 201, blockInDebtorsPrison: true }
         );
         this.getVehicles = this._wrapWithUser(
             (userId, req) => this.service.getVehicles(userId, req.query.regionId)
         );
         this.createTransport = this._wrapWithUser(
             (userId, req) => this.service.createTransport(userId, req.body),
-            { successStatus: 201 }
+            { successStatus: 201, blockInDebtorsPrison: true }
         );
         this.getTransportRoute = this._wrapWithUser(
             (userId, req) => this.service.getTransportRoute(userId, req.query)
@@ -308,23 +308,26 @@ class FalukantController {
         );
         this.repairVehicle = this._wrapWithUser(
             (userId, req) => this.service.repairVehicle(userId, req.params.vehicleId),
-            { successStatus: 200 }
+            { successStatus: 200, blockInDebtorsPrison: true }
         );
         this.repairAllVehicles = this._wrapWithUser(
             (userId, req) => this.service.repairAllVehicles(userId, req.body.vehicleIds),
-            { successStatus: 200 }
+            { successStatus: 200, blockInDebtorsPrison: true }
         );
 
     }
 
 
-    _wrapWithUser(fn, { successStatus = 200, postProcess } = {}) {
+    _wrapWithUser(fn, { successStatus = 200, postProcess, blockInDebtorsPrison = false } = {}) {
         return async (req, res) => {
             try {
                 const hashedUserId = extractHashedUserId(req);
                 if (!hashedUserId) {
                     return res.status(400).json({ error: 'Missing user identifier' });
                 }
+                if (blockInDebtorsPrison) {
+                    await this.service.assertActionAllowedOutsideDebtorsPrison(hashedUserId);
+                }
                 const result = await fn(hashedUserId, req, res);
                 const toSend = postProcess ? postProcess(result) : result;
                 res.status(successStatus).json(toSend);
diff --git a/backend/migrations/20260323010000-expand-debtors-prism.cjs b/backend/migrations/20260323010000-expand-debtors-prism.cjs
new file mode 100644
index 0000000..d45c342
--- /dev/null
+++ b/backend/migrations/20260323010000-expand-debtors-prism.cjs
@@ -0,0 +1,83 @@
+'use strict';
+
+/** @type {import('sequelize-cli').Migration} */
+module.exports = {
+  async up(queryInterface, Sequelize) {
+    const table = { schema: 'falukant_data', tableName: 'debtors_prism' };
+
+    await queryInterface.addColumn(table, 'status', {
+      type: Sequelize.STRING,
+      allowNull: false,
+      defaultValue: 'delinquent'
+    });
+
+    await queryInterface.addColumn(table, 'entered_at', {
+      type: Sequelize.DATE,
+      allowNull: true
+    });
+
+    await queryInterface.addColumn(table, 'released_at', {
+      type: Sequelize.DATE,
+      allowNull: true
+    });
+
+    await queryInterface.addColumn(table, 'debt_at_entry', {
+      type: Sequelize.DECIMAL(14, 2),
+      allowNull: true
+    });
+
+    await queryInterface.addColumn(table, 'remaining_debt', {
+      type: Sequelize.DECIMAL(14, 2),
+      allowNull: true
+    });
+
+    await queryInterface.addColumn(table, 'days_overdue', {
+      type: Sequelize.INTEGER,
+      allowNull: false,
+      defaultValue: 0
+    });
+
+    await queryInterface.addColumn(table, 'reason', {
+      type: Sequelize.STRING,
+      allowNull: true
+    });
+
+    await queryInterface.addColumn(table, 'creditworthiness_penalty', {
+      type: Sequelize.INTEGER,
+      allowNull: false,
+      defaultValue: 0
+    });
+
+    await queryInterface.addColumn(table, 'next_forced_action', {
+      type: Sequelize.STRING,
+      allowNull: true
+    });
+
+    await queryInterface.addColumn(table, 'assets_seized_json', {
+      type: Sequelize.JSONB,
+      allowNull: true
+    });
+
+    await queryInterface.addColumn(table, 'public_known', {
+      type: Sequelize.BOOLEAN,
+      allowNull: false,
+      defaultValue: false
+    });
+  },
+
+  async down(queryInterface) {
+    const table = { schema: 'falukant_data', tableName: 'debtors_prism' };
+
+    await queryInterface.removeColumn(table, 'public_known');
+    await queryInterface.removeColumn(table, 'assets_seized_json');
+    await queryInterface.removeColumn(table, 'next_forced_action');
+    await queryInterface.removeColumn(table, 'creditworthiness_penalty');
+    await queryInterface.removeColumn(table, 'reason');
+    await queryInterface.removeColumn(table, 'days_overdue');
+    await queryInterface.removeColumn(table, 'remaining_debt');
+    await queryInterface.removeColumn(table, 'debt_at_entry');
+    await queryInterface.removeColumn(table, 'released_at');
+    await queryInterface.removeColumn(table, 'entered_at');
+    await queryInterface.removeColumn(table, 'status');
+  }
+};
diff --git a/backend/models/falukant/data/debtors_prism.js b/backend/models/falukant/data/debtors_prism.js
index 99a01f4..dc3a291 100644
--- a/backend/models/falukant/data/debtors_prism.js
+++ b/backend/models/falukant/data/debtors_prism.js
@@ -7,7 +7,57 @@ DebtorsPrism.init({
   // Verknüpfung auf FalukantCharacter
   characterId: {
     type: DataTypes.INTEGER,
-    allowNull: false}}, {
+    allowNull: false
+  },
+  status: {
+    type: DataTypes.STRING,
+    allowNull: false,
+    defaultValue: 'delinquent'
+  },
+  enteredAt: {
+    type: DataTypes.DATE,
+    allowNull: true
+  },
+  releasedAt: {
+    type: DataTypes.DATE,
+    allowNull: true
+  },
+  debtAtEntry: {
+    type: DataTypes.DECIMAL(14, 2),
+    allowNull: true
+  },
+  remainingDebt: {
+    type: DataTypes.DECIMAL(14, 2),
+    allowNull: true
+  },
+  daysOverdue: {
+    type: DataTypes.INTEGER,
+    allowNull: false,
+    defaultValue: 0
+  },
+  reason: {
+    type: DataTypes.STRING,
+    allowNull: true
+  },
+  creditworthinessPenalty: {
+    type: DataTypes.INTEGER,
+    allowNull: false,
+    defaultValue: 0
+  },
+  nextForcedAction: {
+    type: DataTypes.STRING,
+    allowNull: true
+  },
+  assetsSeizedJson: {
+    type: DataTypes.JSONB,
+    allowNull: true
+  },
+  publicKnown: {
+    type: DataTypes.BOOLEAN,
+    allowNull: false,
+    defaultValue: false
+  }
+}, {
   sequelize,
   modelName: 'DebtorsPrism',
   tableName: 'debtors_prism',
diff --git a/backend/services/falukantService.js b/backend/services/falukantService.js
index 152427c..9a775d1 100644
--- a/backend/services/falukantService.js
+++ b/backend/services/falukantService.js
@@ -48,6 +48,7 @@ import ChildRelation from '../models/falukant/data/child_relation.js';
 import Learning from '../models/falukant/data/learning.js';
 import LearnRecipient from '../models/falukant/type/learn_recipient.js';
 import Credit from '../models/falukant/data/credit.js';
+import DebtorsPrism from '../models/falukant/data/debtors_prism.js';
 import TitleRequirement from '../models/falukant/type/title_requirement.js';
 import HealthActivity from '../models/falukant/log/health_activity.js';
 import Election from '../models/falukant/data/election.js';
@@ -808,6 +809,7 @@ class FalukantService extends BaseService {
             }
             if (userHouse) user.setDataValue('userHouse', userHouse);
         }
+        user.setDataValue('debtorsPrison', await this.getDebtorsPrisonStateForUser(user));
         return user;
     }
 
@@ -865,6 +867,7 @@ class FalukantService extends BaseService {
         }
         if (userHouse) u.setDataValue('userHouse', userHouse);
         if (u.character?.birthdate) u.character.setDataValue('age', calcAge(u.character.birthdate));
+        u.setDataValue('debtorsPrison', await this.getDebtorsPrisonStateForUser(u));
         return u;
     }
 
@@ -1026,6 +1029,8 @@ class FalukantService extends BaseService {
             falukantUser.setDataValue('unreadNotifications', 0);
         }
 
+        falukantUser.setDataValue('debtorsPrison', await this.getDebtorsPrisonStateForUser(falukantUser));
+
         return falukantUser;
     }
 
@@ -3278,6 +3283,7 @@ class FalukantService extends BaseService {
             householdTension: householdTension.label,
             householdTensionScore: householdTension.score,
             householdTensionReasons: householdTension.reasons,
+            debtorsPrison: await this.getDebtorsPrisonStateForUser(user),
             lovers,
             deathPartners: relationships.filter(r => r.relationshipType === 'widowed'),
             children: children.map(({ _createdAt, ...rest }) => rest),
@@ -4385,6 +4391,7 @@ class FalukantService extends BaseService {
 
             const plainHouse = userHouse.get({ plain: true });
             plainHouse.servantSummary = this.buildServantSummary(plainHouse, falukantUser.character);
+            plainHouse.debtorsPrison = await this.getDebtorsPrisonStateForUser(falukantUser);
             return plainHouse;
         } catch (error) {
             console.log(error);
@@ -5121,6 +5128,115 @@ class FalukantService extends BaseService {
         return true;
     }
 
+    deriveDebtNextForcedAction(status, daysOverdue) {
+        if (status === 'imprisoned') return 'asset_seizure';
+        if (daysOverdue >= 3) return 'debtors_prison';
+        if (daysOverdue === 2) return 'final_warning';
+        if (daysOverdue === 1) return 'reminder';
+        return null;
+    }
+
+    calculateCreditworthinessFromDebtState(record) {
+        if (!record) return 100;
+
+        const penalty = Number(record.creditworthinessPenalty || 0);
+        const daysOverdue = Number(record.daysOverdue || 0);
+
+        if (record.status === 'imprisoned') {
+            return Math.max(0, 20 - penalty);
+        }
+        if (record.status === 'delinquent') {
+            return Math.max(15, 100 - (daysOverdue * 20) - penalty);
+        }
+        return Math.max(0, 80 - penalty);
+    }
+
+    serializeDebtorsPrisonRecord(record, totalDebt = 0) {
+        if (!record) {
+            return {
+                active: false,
+                inDebtorsPrison: false,
+                status: null,
+                daysOverdue: 0,
+                debtAtEntry: null,
+                remainingDebt: Number(totalDebt || 0),
+                reason: null,
+                creditworthinessPenalty: 0,
+                creditworthiness: 100,
+                nextForcedAction: null,
+                publicKnown: false,
+                enteredAt: null,
+                releasedAt: null,
+                assetsSeized: null
+            };
+        }
+
+        const remainingDebt = Number(record.remainingDebt ?? totalDebt ?? 0);
+        const debtState = {
+            active: record.status !== 'released' && !record.releasedAt,
+            inDebtorsPrison: record.status === 'imprisoned' && !record.releasedAt,
+            status: record.status || null,
+            daysOverdue: Number(record.daysOverdue || 0),
+            debtAtEntry: record.debtAtEntry != null ? Number(record.debtAtEntry) : null,
+            remainingDebt,
+            reason: record.reason || null,
+            creditworthinessPenalty: Number(record.creditworthinessPenalty || 0),
+            nextForcedAction: record.nextForcedAction || this.deriveDebtNextForcedAction(record.status, Number(record.daysOverdue || 0)),
+            publicKnown: !!record.publicKnown,
+            enteredAt: record.enteredAt || null,
+            releasedAt: record.releasedAt || null,
+            assetsSeized: record.assetsSeizedJson || null
+        };
+        debtState.creditworthiness = this.calculateCreditworthinessFromDebtState(debtState);
+        return debtState;
+    }
+
+    async getDebtorsPrisonStateForUser(falukantUser) {
+        if (!falukantUser?.id) {
+            return this.serializeDebtorsPrisonRecord(null);
+        }
+
+        const character = falukantUser.character || await FalukantCharacter.findOne({
+            where: { userId: falukantUser.id },
+            attributes: ['id']
+        });
+
+        if (!character?.id) {
+            return this.serializeDebtorsPrisonRecord(null);
+        }
+
+        const records = await DebtorsPrism.findAll({
+            where: { characterId: character.id },
+            order: [['createdAt', 'DESC']]
+        });
+
+        const activeRecord = records.find((record) => record.status !== 'released' && !record.releasedAt)
+            || records[0]
+            || null;
+
+        const totalDebt = await Credit.sum('remaining_amount', {
+            where: { falukant_user_id: falukantUser.id }
+        }) || 0;
+
+        return this.serializeDebtorsPrisonRecord(activeRecord, totalDebt);
+    }
+
+    async assertActionAllowedOutsideDebtorsPrison(hashedUserId) {
+        const falukantUser = await getFalukantUserOrFail(hashedUserId);
+        const debtorsPrison = await this.getDebtorsPrisonStateForUser(falukantUser);
+
+        if (debtorsPrison.inDebtorsPrison) {
+            throw {
+                status: 423,
+                message: 'Aktion im Schuldturm gesperrt',
+                code: 'falukant.debtorsPrison.actionBlocked',
+                debtorsPrison
+            };
+        }
+
+        return { falukantUser, debtorsPrison };
+    }
+
     async getBankOverview(hashedUserId) {
         const falukantUser = await getFalukantUserOrFail(hashedUserId);
         if (!falukantUser) throw new Error('User not found');
@@ -5149,9 +5265,14 @@ class FalukantService extends BaseService {
         const branchCount = await Branch.count({ where: { falukantUserId: falukantUser.id } });
         const branchValue = branchCount * 1000;
 
+        const debtorsPrison = await this.getDebtorsPrisonStateForUser(falukantUser);
+
         // 5) Maximaler Kredit und verfügbare Linie
         const maxCredit = Math.floor(houseValue + branchValue);
-        const availableCredit = maxCredit - totalDebt;
+        const availableCreditRaw = maxCredit - totalDebt;
+        const availableCredit = debtorsPrison.inDebtorsPrison
+            ? 0
+            : Math.max(0, availableCreditRaw);
 
         // 6) aktive Kredite laden
         const activeCredits = await Credit.findAll({
@@ -5165,7 +5286,12 @@ class FalukantService extends BaseService {
             maxCredit,
             availableCredit,
             activeCredits,
-            fee: 7
+            fee: 7,
+            inDebtorsPrison: debtorsPrison.inDebtorsPrison,
+            daysOverdue: debtorsPrison.daysOverdue,
+            nextForcedAction: debtorsPrison.nextForcedAction,
+            creditworthiness: debtorsPrison.creditworthiness,
+            debtorsPrison
         };
     }
 
@@ -5182,6 +5308,9 @@ class FalukantService extends BaseService {
         const falukantUser = await getFalukantUserOrFail(hashedUserId);
         if (!falukantUser) throw new Error('User not found');
         const financialData = await this.getBankOverview(hashedUserId);
+        if (financialData.inDebtorsPrison) {
+            throw new Error('debtorPrisonBlocksCredit');
+        }
         if (financialData.availableCredit < height) {
             throw new Error('Not enough credit');
         }
@@ -6454,7 +6583,7 @@ ORDER BY r.id`,
         const characterName = titleLabelTr ? [titleLabelTr, firstName, lastName].filter(Boolean).join(' ') : nameWithoutTitle;
         const age = character.birthdate ? calcAge(character.birthdate) : null;
 
-        const [unreadNotificationsCount, childrenCount] = await Promise.all([
+        const [unreadNotificationsCount, childrenCount, debtorsPrison] = await Promise.all([
             Notification.count({ where: { userId: falukantUser.id, shown: false } }),
             ChildRelation.count({
                 where: {
@@ -6463,7 +6592,8 @@ ORDER BY r.id`,
                         { motherCharacterId: character.id }
                     ]
                 }
-            })
+            }),
+            this.getDebtorsPrisonStateForUser(falukantUser)
         ]);
 
         return {
@@ -6474,7 +6604,8 @@ ORDER BY r.id`,
             age,
             money: Number(falukantUser.money ?? 0),
             unreadNotificationsCount,
-            childrenCount
+            childrenCount,
+            debtorsPrison
         };
     }
 
diff --git a/backend/sql/expand_debtors_prism.sql b/backend/sql/expand_debtors_prism.sql
new file mode 100644
index 0000000..30d80c4
--- /dev/null
+++ b/backend/sql/expand_debtors_prism.sql
@@ -0,0 +1,32 @@
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS status varchar(255) NOT NULL DEFAULT 'delinquent';
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS entered_at timestamp with time zone NULL;
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS released_at timestamp with time zone NULL;
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS debt_at_entry numeric(14,2) NULL;
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS remaining_debt numeric(14,2) NULL;
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS days_overdue integer NOT NULL DEFAULT 0;
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS reason varchar(255) NULL;
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS creditworthiness_penalty integer NOT NULL DEFAULT 0;
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS next_forced_action varchar(255) NULL;
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS assets_seized_json jsonb NULL;
+
+ALTER TABLE falukant_data.debtors_prism
+ADD COLUMN IF NOT EXISTS public_known boolean NOT NULL DEFAULT false;
diff --git a/docs/FALUKANT_DEBTORS_PRISON_DAEMON_SPEC.md b/docs/FALUKANT_DEBTORS_PRISON_DAEMON_SPEC.md
new file mode 100644
index 0000000..18e4a88
--- /dev/null
+++ b/docs/FALUKANT_DEBTORS_PRISON_DAEMON_SPEC.md
@@ -0,0 +1,447 @@
+# Falukant: Schuldturm und Pfändung - Daemon-Spezifikation
+
+Dieses Dokument beschreibt die Umsetzung des **Schuldturm-Systems** im externen Daemon.
+
+Wichtig:
+
+- Die projektseitigen DB-Felder, API-Erweiterungen, UI-Warnungen und Aktionssperren sind bereits umgesetzt.
+- Der Daemon ist die führende Quelle für:
+  - Verzugstage
+  - Eintritt in den Schuldturm
+  - Pfändung und Verwertung
+  - soziale Folgen
+  - Freilassung
+
+## 1. Bereits vorhandene Datenbasis
+
+Bereits im Projekt vorhanden:
+
+- `falukant_data.credit`
+- `falukant_data.debtors_prism`
+- `falukant_data.user_house`
+  - inkl. `household_tension_score`
+  - inkl. `household_tension_reasons_json`
+- Familien-/Liebschaftsdaten in:
+  - `falukant_data.relationship`
+  - `falukant_data.relationship_state`
+  - `falukant_data.child_relation`
+
+Bereits erweitert:
+
+- `debtors_prism.status`
+- `debtors_prism.entered_at`
+- `debtors_prism.released_at`
+- `debtors_prism.debt_at_entry`
+- `debtors_prism.remaining_debt`
+- `debtors_prism.days_overdue`
+- `debtors_prism.reason`
+- `debtors_prism.creditworthiness_penalty`
+- `debtors_prism.next_forced_action`
+- `debtors_prism.assets_seized_json`
+- `debtors_prism.public_known`
+
+Es sind für den Daemon derzeit keine weiteren DB-Änderungen nötig.
+
+## 2. Grundregel
+
+Ein Charakter kommt in den Schuldturm, wenn:
+
+- mindestens ein aktiver Kredit offen ist
+- fällige Kreditbedienung ausbleibt
+- und `days_overdue >= 3`
+
+Der Daemon prüft dies im Daily-Tick.
+
+## 3. Zustände
+
+`debtors_prism.status` verwendet mindestens:
+
+- `delinquent`
+- `imprisoned`
+- `released`
+
+Bedeutung:
+
+- `delinquent`: Kreditverzug, aber noch nicht im Schuldturm
+- `imprisoned`: im Schuldturm, Verwertung läuft
+- `released`: historischer abgeschlossener Fall
+
+## 4. Daily-Tick
+
+Der Daily-Tick prüft pro Falukant-Nutzer:
+
+1. aktive Kredite
+2. verbleibende Schuld
+3. geleistete Bedienung seit letztem Tick
+4. neue Verzugstage
+5. Schuldturm-Eintritt
+6. laufende soziale Folgen
+7. Verwertungsschritt
+
+### 4.1 Verzugstage
+
+Regel:
+
+- wenn offene Schuld vorhanden und fällige Bedienung ausbleibt:
+  - `days_overdue += 1`
+- wenn Kreditpflicht erfüllt wurde:
+  - `days_overdue = 0`
+  - falls nicht im Schuldturm
+
+Wenn noch kein aktiver `debtors_prism`-Eintrag existiert:
+
+- bei erstem Verzug `debtors_prism` anlegen mit
+  - `status = 'delinquent'`
+  - `days_overdue = 1`
+  - `remaining_debt = aktuelle offene Schuld`
+  - `next_forced_action = 'reminder'`
+
+### 4.2 Warnstufen
+
+Bei Verzug:
+
+- Tag 1:
+  - `next_forced_action = 'reminder'`
+  - Event `falukantUpdateDebt` mit `reason: 'delinquency'`
+- Tag 2:
+  - `next_forced_action = 'final_warning'`
+  - Event `falukantUpdateDebt` mit `reason: 'delinquency'`
+- Tag 3:
+  - Schuldturm-Eintritt
+
+Für Warnstufen senden:
+
+- `falukantUpdateDebt`
+- zusätzlich `falukantUpdateStatus`
+
+## 5. Eintritt in den Schuldturm
+
+Bei `days_overdue >= 3`:
+
+- `status = 'imprisoned'`
+- `entered_at = now()`
+- `released_at = null`
+- `debt_at_entry = aktuelle offene Schuld`
+- `remaining_debt = aktuelle offene Schuld`
+- `reason = 'credit_default'`
+- `creditworthiness_penalty += 45`
+- `next_forced_action = 'asset_seizure'`
+- `public_known = true`
+
+### 5.1 Sofortfolgen bei Eintritt
+
+Einmalig anwenden:
+
+- Reputation deutlich senken
+  - Empfehlung: `-12`
+- `marriage_satisfaction` senken
+  - Empfehlung: `-10`
+- `household_tension_score` erhöhen
+  - Empfehlung: `+15`
+- `household_tension_reasons_json` um `debtorsPrison` ergänzen
+
+Zusätzlich:
+
+- aktive Liebhaber/Mätressen sichtbar destabilisieren
+  - mindestens `affection -= 4`
+- Kreditaufnahme und aktive Falukant-Aktionen bleiben projektseitig bereits gesperrt
+
+Bei Eintritt senden:
+
+- `falukantUpdateDebt`
+  - `reason: 'debtors_prison_entered'`
+- `falukantUpdateStatus`
+- `falukantUpdateFamily`
+  - `reason: 'daily'`
+- `falukantHouseUpdate`
+- `falukantBranchUpdate`
+
+## 6. Verwertung / Pfändung
+
+Die Verwertung läuft nicht alles auf einmal, sondern schrittweise pro Tick.
+
+Reihenfolge:
+
+1. freies Geld
+2. Fahrzeuge
+3. Waren / Lagerbestände
+4. Haus
+5. Niederlassungen
+
+Ziel:
+
+- `remaining_debt` schrittweise senken
+- Fortschritt im UI sichtbar machen
+
+### 6.1 Geld
+
+Wenn `falukant_user.money > 0`:
+
+- direkt zur Schuld tilgen
+- `remaining_debt -= eingezogener_betrag`
+
+Events:
+
+- `falukantUpdateDebt`
+  - `reason: 'asset_seizure'`
+- `falukantUpdateStatus`
+
+### 6.2 Fahrzeuge
+
+Verkaufe zuerst:
+
+- freie Fahrzeuge
+- dann weniger wertvolle Typen
+- keine Fahrzeuge in aktiven Transporten im selben Tick anfassen, falls technisch problematisch
+
+Erlös:
+
+- Empfehlung: `vehicle_type.cost * condition_factor * 0.55`
+
+Zusätzlich in `assets_seized_json` protokollieren:
+
+- Typ
+- Anzahl
+- Erlös
+
+Events:
+
+- `falukantUpdateDebt`
+  - `reason: 'vehicle_liquidation'`
+- `falukantUpdateStatus`
+
+### 6.3 Waren / Lager
+
+Verwertbare Güter:
+
+- Lagerbestände
+- Inventar
+- handelbare Waren
+
+Erlös:
+
+- Empfehlung: Marktwert mit Abschlag von `35% bis 50%`
+
+Events:
+
+- `falukantUpdateDebt`
+  - `reason: 'asset_seizure'`
+- `falukantUpdateStatus`
+- `falukantBranchUpdate`
+
+### 6.4 Haus
+
+Wenn Restschuld nach Geld/Fahrzeugen/Waren weiter hoch ist:
+
+- Haus pfänden
+- Spieler auf niedrigeres Haus oder Minimalhaus zurücksetzen
+- Dienerschaft reduzieren
+- `household_order` senken
+
+Events:
+
+- `falukantUpdateDebt`
+  - `reason: 'house_seizure'`
+- `falukantHouseUpdate`
+- `falukantUpdateStatus`
+- `falukantUpdateFamily`
+  - `reason: 'daily'`
+
+### 6.5 Niederlassungen
+
+Wenn weiter nicht gedeckt:
+
+- Niederlassungen schließen
+- zuerst niedrige Stufe / niedriger Wert
+- Hauptniederlassung nur als letzter Schritt
+
+Events:
+
+- `falukantUpdateDebt`
+  - `reason: 'branch_closure'`
+- `falukantBranchUpdate`
+- `falukantUpdateStatus`
+
+## 7. Laufende soziale Folgen im Schuldturm
+
+Solange `status = 'imprisoned'`:
+
+- täglicher Reputationsmalus
+  - Empfehlung: `-2`
+- zusätzliche `creditworthiness_penalty += 1` pro Tag
+- `marriage_satisfaction -= 1`
+- `household_tension_score += 2`
+
+Wenn aktive Liebschaften bestehen:
+
+- `affection -= 2`
+- bei niedriger Zuneigung oder hoher Sichtbarkeit kann Beziehung enden
+
+Empfohlene Absprungregel:
+
+- wenn `affection <= 30` oder `months_underfunded >= 2`
+  - Chance auf Beziehungsende prüfen
+- bei repräsentativen Beziehungen zusätzlich höhere Absprungchance, wenn `public_known = true`
+
+Events bei sozialen Folgewirkungen:
+
+- `falukantUpdateFamily`
+  - `reason: 'daily'`
+- zusätzlich `falukantUpdateStatus`
+
+## 8. Kreditwürdigkeit
+
+Die UI rechnet bereits aus `creditworthiness_penalty` und Status einen sichtbaren Wert.
+
+Der Daemon muss pflegen:
+
+- `creditworthiness_penalty`
+- `status`
+- `days_overdue`
+
+Empfehlung:
+
+- Eintritt Schuldturm: `+45`
+- pro weiterem Hafttag: `+1`
+- Hauspfändung: zusätzlich `+10`
+- Niederlassungsschließung: zusätzlich `+8`
+
+## 9. Freilassung
+
+Freilassung, wenn:
+
+- keine relevante Restschuld mehr offen ist
+  oder
+- ein definierter Restwert unterschritten wird, falls ihr einen Bagatellgrenzwert wollt
+
+Dann:
+
+- `status = 'released'`
+- `released_at = now()`
+- `next_forced_action = null`
+- `days_overdue = 0`
+- `remaining_debt = 0`
+
+Events:
+
+- `falukantUpdateDebt`
+  - `reason: 'debtors_prison_released'`
+- `falukantUpdateStatus`
+- `falukantUpdateFamily`
+  - `reason: 'daily'`
+- `falukantHouseUpdate`
+- `falukantBranchUpdate`
+
+Keine automatische vollständige soziale Heilung:
+
+- Reputation bleibt reduziert
+- Kreditwürdigkeit bleibt reduziert
+- Familie/Haus bleiben in Folgezuständen
+
+## 10. Event-Kommunikation zur UI
+
+Der Daemon sendet als Primärevent:
+
+```json
+{
+  "event": "falukantUpdateDebt",
+  "user_id": 123,
+  "reason": "delinquency"
+}
+```
+
+Mögliche `reason`:
+
+- `delinquency`
+- `debtors_prison_entered`
+- `asset_seizure`
+- `vehicle_liquidation`
+- `house_seizure`
+- `branch_closure`
+- `debtors_prison_released`
+
+### 10.1 Begleitevents
+
+Je nach Folge zusätzlich:
+
+- `falukantUpdateStatus`
+- `falukantHouseUpdate`
+- `falukantBranchUpdate`
+- `falukantUpdateFamily`
+
+### 10.2 Empfohlene Minimalregeln
+
+- `delinquency`:
+  - `falukantUpdateDebt`
+  - `falukantUpdateStatus`
+- `debtors_prison_entered`:
+  - `falukantUpdateDebt`
+  - `falukantUpdateStatus`
+  - `falukantUpdateFamily`
+  - `falukantHouseUpdate`
+  - `falukantBranchUpdate`
+- `asset_seizure`:
+  - `falukantUpdateDebt`
+  - `falukantUpdateStatus`
+  - optional `falukantBranchUpdate`
+- `vehicle_liquidation`:
+  - `falukantUpdateDebt`
+  - `falukantUpdateStatus`
+- `house_seizure`:
+  - `falukantUpdateDebt`
+  - `falukantUpdateStatus`
+  - `falukantHouseUpdate`
+  - `falukantUpdateFamily`
+- `branch_closure`:
+  - `falukantUpdateDebt`
+  - `falukantUpdateStatus`
+  - `falukantBranchUpdate`
+- `debtors_prison_released`:
+  - `falukantUpdateDebt`
+  - `falukantUpdateStatus`
+  - `falukantUpdateFamily`
+  - `falukantHouseUpdate`
+  - `falukantBranchUpdate`
+
+## 11. Idempotenz
+
+Der Worker muss idempotent arbeiten.
+
+Wichtig:
+
+- Eintritt in den Schuldturm nicht mehrfach für denselben aktiven Fall auslösen
+- Verwertungsschritte nur einmal je Asset anwenden
+- `released` nicht erneut freisetzen
+
+Empfehlung:
+
+- pro Tick Transaktion
+- pro Nutzer eine klare Reihenfolge
+- Änderungen in `assets_seized_json` protokollieren
+
+## 12. Mindestumsetzung für Version 1
+
+Pflicht:
+
+1. Verzugstage pflegen
+2. Eintritt nach 3 Tagen
+3. Status und Penalty schreiben
+4. Geld zuerst einziehen
+5. danach Fahrzeuge
+6. Events senden
+
+Danach:
+
+7. Hauspfändung
+8. Niederlassungsschließung
+9. volle Familienfolgen
+
+## 13. Hinweis an den Daemon
+
+Die projektseitigen Grundlagen sind bereits umgesetzt:
+
+- `debtors_prism` ist erweitert
+- Bank-/Haus-/Familien-/Übersichts-UI reagiert auf den Status
+- aktive Falukant-Aktionen werden im Backend bereits gesperrt, sobald `inDebtorsPrison = true`
+
+Der Daemon muss daher vor allem die Zustände und Folgen zuverlässig schreiben und die dokumentierten Events senden.
diff --git a/docs/FALUKANT_UI_WEBSOCKET.md b/docs/FALUKANT_UI_WEBSOCKET.md
index b91bcc9..f3abaf0 100644
--- a/docs/FALUKANT_UI_WEBSOCKET.md
+++ b/docs/FALUKANT_UI_WEBSOCKET.md
@@ -1,8 +1,9 @@
-# Falukant: UI-Anpassung – WebSocket & Familie / Liebschaften
+# Falukant: UI-Anpassung - WebSocket & Familie / Liebschaften
 
-Dieses Dokument beschreibt die Nachrichten, die der externe Falukant-Daemon für Familien-, Ehe- und Liebschaftsänderungen sendet, damit die UI gezielt reagieren kann.
+Dieses Dokument beschreibt die Nachrichten, die der externe Falukant-Daemon über den WebSocket-Broadcast sendet, damit die UI gezielt reagieren kann.
 
 Transport:
+
 - Alle Clients erhalten denselben Broadcast.
 - Die UI muss nach `user_id` filtern und nur Events für die eingeloggte Session verarbeiten.
 
@@ -10,10 +11,13 @@ Transport:
 
 | `event` | Pflichtfelder | Typische UI-Reaktion |
 |---------|----------------|----------------------|
-| `falukantUpdateFamily` | `user_id`, `reason` | Gezielter Refresh von Familie, Liebschaften und je nach `reason` auch Geld oder Ruf |
-| `falukantUpdateStatus` | `user_id` | Allgemeiner Falukant-Status-/Spielstands-Refresh |
-| `children_update` | `user_id` | Kinderliste und Familienansicht aktualisieren |
-| `falukant_family_scandal_hint` | `relationship_id` | Optionaler Hinweis oder Logeintrag; kein `user_id` |
+| `falukantUpdateFamily` | `user_id`, `reason` | Gezielter Refresh Familie/Liebe/Geld je nach `reason` |
+| `falukantUpdateStatus` | `user_id` | Allgemeiner Status-/Spielstands-Refresh |
+| `falukantUpdateProductionCertificate` | `user_id`, `reason`, `old_certificate`, `new_certificate` | Produkte / Produktions-UI / Zertifikat neu laden |
+| `children_update` | `user_id` | Kinderliste / FamilyView aktualisieren |
+| `falukant_family_scandal_hint` | `relationship_id` | Optionaler Toast oder Log; kein `user_id` |
+| `falukantUpdateChurch` | `user_id`, `reason` | Kirchenämter, Bewerbungen, Ernennungen |
+| `falukantUpdateDebt` | `user_id`, `reason` | Schuldturm, Verzug, Pfändung, Freilassung |
 
 ## 2. JSON-Payloads
 
@@ -28,14 +32,32 @@ Transport:
 ```
 
 `reason` ist immer genau einer dieser festen Strings:
+
 - `daily`
 - `monthly`
+- `lover_installment`
 - `scandal`
 - `lover_birth`
 
-Es gibt keine weiteren `reason`-Werte.
+### 2.2 `falukantUpdateChurch`
 
-### 2.2 `falukantUpdateStatus`
+```json
+{
+  "event": "falukantUpdateChurch",
+  "user_id": 123,
+  "reason": "applications"
+}
+```
+
+Mögliche `reason`:
+
+- `applications`
+- `npc_decision`
+- `appointment`
+- `vacancy_fill`
+- `promotion`
+
+### 2.3 `falukantUpdateStatus`
 
 ```json
 {
@@ -44,9 +66,21 @@ Es gibt keine weiteren `reason`-Werte.
 }
 ```
 
-Dieses Event wird typischerweise direkt nach `falukantUpdateFamily` mit derselben `user_id` gesendet.
+Dieses Event wird typischerweise direkt nach einem fachlichen Falukant-Event mit derselben `user_id` gesendet.
 
-### 2.3 `children_update`
+### 2.4 `falukantUpdateProductionCertificate`
+
+```json
+{
+  "event": "falukantUpdateProductionCertificate",
+  "user_id": 123,
+  "reason": "daily_recalculation",
+  "old_certificate": 2,
+  "new_certificate": 3
+}
+```
+
+### 2.5 `children_update`
 
 ```json
 {
@@ -56,10 +90,11 @@ Dieses Event wird typischerweise direkt nach `falukantUpdateFamily` mit derselbe
 ```
 
 Dieses Event tritt bei Geburt aus einer Liebschaft auf, meist zusammen mit:
+
 - `falukantUpdateFamily` mit `reason: "lover_birth"`
 - `falukantUpdateStatus`
 
-### 2.4 `falukant_family_scandal_hint`
+### 2.6 `falukant_family_scandal_hint`
 
 ```json
 {
@@ -69,56 +104,118 @@ Dieses Event tritt bei Geburt aus einer Liebschaft auf, meist zusammen mit:
 ```
 
 Hinweis:
+
 - Dieses Event enthält kein `user_id`.
 - Die UI kann es ignorieren oder optional nur für Log-/Toast-Zwecke verwenden.
 - Die eigentliche nutzerbezogene Aktualisierung läuft über `falukantUpdateFamily` mit `reason: "scandal"`.
 
+### 2.7 `falukantUpdateDebt`
+
+```json
+{
+  "event": "falukantUpdateDebt",
+  "user_id": 123,
+  "reason": "debtors_prison_entered"
+}
+```
+
+Mögliche `reason`:
+
+- `delinquency`
+- `debtors_prison_entered`
+- `asset_seizure`
+- `vehicle_liquidation`
+- `house_seizure`
+- `branch_closure`
+- `debtors_prison_released`
+
 ## 3. Fachliche Bedeutung von `reason`
 
-### `reason: "daily"`
+### 3.1 `falukantUpdateFamily`
+
+#### `reason: "daily"`
 
 `daily` ist der Sammelgrund für tägliche Änderungen im Familien- und Liebschaftssystem.
 
 Darunter fallen insbesondere:
+
 - tägliche Drift und Änderung der Ehezufriedenheit
+- `marriage_public_stability`
+- `household_tension_score`
 - Ehe-Buffs und temporäre Zähler wie Geschenk-, Fest- oder Haus-Effekte
 - tägliche Liebschaftslogik für aktive Beziehungen
 - Rufverlust bei zwei oder mehr sichtbaren Liebschaften
 - Zufalls-Mali wie Gerücht oder Tadel
 
 Wichtig:
+
 - Es gibt kein separates Event für „nur Ehe-Buff“.
 - Es gibt kein separates Event für „nur zwei sichtbare Liebschaften“.
 - Es gibt kein separates Event für „nur Gerücht/Tadel“.
 - Alles davon erscheint in der UI ausschließlich als `falukantUpdateFamily` mit `reason: "daily"`.
 
-### `reason: "scandal"`
+#### `reason: "monthly"`
+
+`monthly` steht für monatliche Verarbeitung, insbesondere:
+
+- Dienerschaftskosten
+- laufende Kosten
+- Unterversorgung
+- Geldänderungen
+
+#### `reason: "lover_installment"`
+
+`lover_installment` steht für die 2-Stunden-Unterhaltsbelastung von Liebschaften.
+
+Die UI sollte dafür mindestens:
+
+- Geld neu laden
+- Family-/Liebschaftsstatus neu laden
+
+#### `reason: "scandal"`
 
 `scandal` wird zusätzlich zu einem gelungenen Skandalwurf gesendet.
 
 Typischer Ablauf:
+
 - optional `falukant_family_scandal_hint`
 - `falukantUpdateFamily` mit `reason: "scandal"`
 - `falukantUpdateStatus`
 
 Danach kann für denselben Nutzer am selben Tag zusätzlich noch `daily` folgen.
 
-### `reason: "monthly"`
-
-`monthly` steht für Monatsverarbeitung, insbesondere:
-- laufende Kosten
-- Unterversorgung
-- Geldänderungen
-
-### `reason: "lover_birth"`
+#### `reason: "lover_birth"`
 
 `lover_birth` signalisiert ein neues Kind aus einer Liebschaft.
 
 Meist folgen zusammen:
+
 - `falukantUpdateFamily` mit `reason: "lover_birth"`
 - `children_update`
 - `falukantUpdateStatus`
 
+### 3.2 `falukantUpdateChurch`
+
+- `applications`: Spieler ist kirchlicher Vorgesetzter; offene Bewerbungen warten
+- `npc_decision`: NPC-Vorgesetzter hat entschieden
+- `appointment`: automatische Annahme älterer Bewerbung
+- `vacancy_fill`: Interimsbesetzung
+- `promotion`: reserviert / zukünftig
+
+### 3.3 `falukantUpdateProductionCertificate`
+
+- `daily_recalculation`: Zertifikat nach täglicher Prüfung geändert
+
+### 3.4 `falukantUpdateDebt`
+
+- `delinquency`: Mahnstufe oder Verzug aktualisiert
+- `debtors_prison_entered`: Eintritt in den Schuldturm
+- `asset_seizure`: Geld, Waren oder sonstige Vermögenswerte eingezogen
+- `vehicle_liquidation`: Fahrzeuge zwangsverkauft
+- `house_seizure`: Haus gepfändet
+- `branch_closure`: Niederlassung geschlossen
+- `debtors_prison_released`: Freilassung
+
 ## 4. Empfohlene Handler-Logik
 
 ```text
@@ -131,10 +228,22 @@ onMessage(json):
       refreshPlayerStatus()
       return
 
+    case "falukantUpdateProductionCertificate":
+      refreshProductsAndProductionUi()
+      return
+
     case "children_update":
       refreshChildrenAndFamilyView()
       return
 
+    case "falukantUpdateChurch":
+      refreshChurchContextByReason(json.reason)
+      return
+
+    case "falukantUpdateDebt":
+      refreshDebtAndAffectedViews(json.reason)
+      return
+
     case "falukantUpdateFamily":
       switch json.reason:
         case "daily":
@@ -145,6 +254,10 @@ onMessage(json):
           refreshMoney()
           refreshFamilyAndRelationships()
           break
+        case "lover_installment":
+          refreshMoney()
+          refreshFamilyAndRelationships()
+          break
         case "scandal":
           showScandalToastOptional()
           refreshFamilyAndRelationships()
@@ -162,15 +275,23 @@ onMessage(json):
 
 ## 5. Deduplizierung
 
-Am selben Tag kann ein Nutzer mehrere relevante Events erhalten, zum Beispiel:
+Ein Nutzer kann kurz hintereinander mehrere relevante Events erhalten, zum Beispiel:
+
 - `scandal`
 - danach `daily`
 - danach `falukantUpdateStatus`
 
+oder:
+
+- `falukantUpdateDebt`
+- direkt danach `falukantUpdateStatus`
+- zusätzlich `falukantUpdateFamily`
+
 Die UI sollte deshalb:
+
 - Refreshes bündeln oder entprellen
 - idempotente Reloads verwenden
-- nicht davon ausgehen, dass jeder fachliche Effekt einen eigenen `reason` hat
+- nicht davon ausgehen, dass jeder fachliche Effekt einen eigenen Spezial-Eventpfad hat
 
 ## 6. Welche Daten sollten neu geladen werden?
 
@@ -178,15 +299,18 @@ Die UI sollte deshalb:
 |-----------|--------------------|
 | Jede `falukantUpdateFamily` | Family-/Relationship-Daten neu laden |
 | `reason: "monthly"` | Family-Daten plus Geld/Status neu laden |
+| `reason: "lover_installment"` | Geld plus Family-Daten neu laden |
 | `reason: "daily"` | Family-Daten neu laden, bei Bedarf auch Ruf-/Statusdaten |
 | `reason: "scandal"` | Family-Daten plus Ruf-/Statusdaten neu laden |
 | `children_update` / `lover_birth` | Kinderdaten und FamilyView neu laden |
+| `falukantUpdateChurch` | Kirchenämter, Bewerbungen, freie Positionen je nach `reason` |
+| `falukantUpdateProductionCertificate` | User-Status, Zertifikat, Produkte, Produktions-UI |
+| `falukantUpdateDebt` | Bank, Overview, House, Branch, ggf. Family |
 
 ## 7. Sonderfälle
 
 | Fall | Verhalten |
 |------|-----------|
-| NPC ohne `user_id` | Keine nutzerbezogenen Family-Socket-Events |
+| NPC ohne `user_id` | Keine nutzerbezogenen Socket-Events |
 | Mehrere Events kurz hintereinander | Normal; UI sollte damit robust umgehen |
-| Nur `falukantUpdateStatus` ohne Family-Event | Kann von anderen Falukant-Workern kommen |
-
+| Nur `falukantUpdateStatus` ohne Fach-Event | Kann von anderen Falukant-Workern kommen |
diff --git a/frontend/src/components/DashboardWidget.vue b/frontend/src/components/DashboardWidget.vue
index 4f54a40..b3e6433 100644
--- a/frontend/src/components/DashboardWidget.vue
+++ b/frontend/src/components/DashboardWidget.vue
@@ -108,7 +108,7 @@ export default {
     },
     setupSocketListeners() {
       this.teardownSocketListeners();
-      const daemonEvents = ['falukantUpdateStatus', 'falukantUpdateFamily', 'falukantUpdateChurch', 'children_update', 'falukantUpdateProductionCertificate', 'stock_change', 'familychanged'];
+      const daemonEvents = ['falukantUpdateStatus', 'falukantUpdateFamily', 'falukantUpdateChurch', 'falukantUpdateDebt', 'children_update', 'falukantUpdateProductionCertificate', 'stock_change', 'familychanged'];
       if (this.daemonSocket) {
         this._daemonMessageHandler = (event) => {
           if (event.data === 'ping') return;
@@ -129,6 +129,9 @@ export default {
         this._churchSocketHandler = (data) => {
           if (this.matchesCurrentUser(data)) this.queueFetchData();
         };
+        this._debtSocketHandler = (data) => {
+          if (this.matchesCurrentUser(data)) this.queueFetchData();
+        };
         this._childrenSocketHandler = (data) => {
           if (this.matchesCurrentUser(data)) this.queueFetchData();
         };
@@ -140,6 +143,7 @@ export default {
         this.socket.on('falukantUpdateStatus', this._statusSocketHandler);
         this.socket.on('falukantUpdateFamily', this._familySocketHandler);
         this.socket.on('falukantUpdateChurch', this._churchSocketHandler);
+        this.socket.on('falukantUpdateDebt', this._debtSocketHandler);
         this.socket.on('children_update', this._childrenSocketHandler);
         this.socket.on('falukantUpdateProductionCertificate', this._productionCertificateSocketHandler);
         this.socket.on('falukantBranchUpdate', this._branchSocketHandler);
@@ -154,6 +158,7 @@ export default {
         if (this._statusSocketHandler) this.socket.off('falukantUpdateStatus', this._statusSocketHandler);
         if (this._familySocketHandler) this.socket.off('falukantUpdateFamily', this._familySocketHandler);
         if (this._churchSocketHandler) this.socket.off('falukantUpdateChurch', this._churchSocketHandler);
+        if (this._debtSocketHandler) this.socket.off('falukantUpdateDebt', this._debtSocketHandler);
         if (this._childrenSocketHandler) this.socket.off('children_update', this._childrenSocketHandler);
         if (this._productionCertificateSocketHandler) this.socket.off('falukantUpdateProductionCertificate', this._productionCertificateSocketHandler);
         if (this._branchSocketHandler) this.socket.off('falukantBranchUpdate', this._branchSocketHandler);
diff --git a/frontend/src/components/falukant/BranchSelection.vue b/frontend/src/components/falukant/BranchSelection.vue
index 81d1cdc..a99d9af 100644
--- a/frontend/src/components/falukant/BranchSelection.vue
+++ b/frontend/src/components/falukant/BranchSelection.vue
@@ -18,15 +18,19 @@
       </div>
     </div>
     <div>
-      <button @click="openCreateBranchDialog">
+      <button
+        @click="openCreateBranchDialog"
+        :disabled="blocked"
+      >
         {{ $t('falukant.branch.actions.create') }}
       </button>
       <button
         @click="$emit('upgradeBranch')"
-        :disabled="!localSelectedBranch"
+        :disabled="!localSelectedBranch || blocked"
       >
         {{ $t('falukant.branch.actions.upgrade') }}
       </button>
+      <span v-if="blocked && blockedReason" class="blocked-hint">{{ blockedReason }}</span>
     </div>
   </div>
 
@@ -51,6 +55,8 @@ export default {
   props: {
     branches: { type: Array, required: true },
     selectedBranch: { type: Object, default: null },
+    blocked: { type: Boolean, default: false },
+    blockedReason: { type: String, default: '' },
   },
   data() {
     return {
@@ -82,6 +88,7 @@ export default {
     },
 
     openCreateBranchDialog() {
+      if (this.blocked) return;
       this.$refs.createBranchDialog.open();
     },
 
@@ -131,4 +138,13 @@ button {
 .weather-value {
   text-transform: capitalize;
 }
+
+.blocked-hint {
+  display: inline-flex;
+  align-items: center;
+  margin-left: 8px;
+  color: #8b2f23;
+  font-size: 0.88rem;
+  font-weight: 600;
+}
 </style>
diff --git a/frontend/src/components/falukant/StatusBar.vue b/frontend/src/components/falukant/StatusBar.vue
index 7397b0c..2f7382e 100644
--- a/frontend/src/components/falukant/StatusBar.vue
+++ b/frontend/src/components/falukant/StatusBar.vue
@@ -36,6 +36,18 @@
                 />
             </template>
         </div>
+        <div v-if="debtorsPrison.active" class="statusbar-warning" :class="{ 'is-prison': debtorsPrison.inDebtorsPrison }">
+            <strong>
+                {{ debtorsPrison.inDebtorsPrison
+                    ? $t('falukant.bank.debtorsPrison.titlePrison')
+                    : $t('falukant.bank.debtorsPrison.titleWarning') }}
+            </strong>
+            <span>
+                {{ debtorsPrison.inDebtorsPrison
+                    ? $t('falukant.debtorsPrison.globalLocked')
+                    : $t('falukant.debtorsPrison.globalWarning') }}
+            </span>
+        </div>
     <MessagesDialog ref="msgs" />
     </div>
 </template>
@@ -60,6 +72,10 @@ export default {
                 { key: "children", icon: "👶", value: null },
             ],
             unreadCount: 0,
+            debtorsPrison: {
+                active: false,
+                inDebtorsPrison: false
+            },
             pendingStatusRefresh: null,
         };
     },
@@ -146,6 +162,10 @@ export default {
                 const childCount = Number(response.data.childrenCount) || 0;
                 const unbaptisedCount = Number(response.data.unbaptisedChildrenCount) || 0;
                 this.unreadCount = Number(response.data.unreadNotifications) || 0;
+                this.debtorsPrison = response.data.debtorsPrison || {
+                    active: false,
+                    inDebtorsPrison: false
+                };
                 const childrenDisplay = `${childCount}${unbaptisedCount > 0 ? `(${unbaptisedCount})` : ''}`;
                 let healthStatus = '';
                 if (health > 90) {
@@ -177,6 +197,7 @@ export default {
             this._statusSocketHandler = (data) => this.handleEvent({ event: 'falukantUpdateStatus', ...data });
             this._familySocketHandler = (data) => this.handleEvent({ event: 'falukantUpdateFamily', ...data });
             this._churchSocketHandler = (data) => this.handleEvent({ event: 'falukantUpdateChurch', ...data });
+            this._debtSocketHandler = (data) => this.handleEvent({ event: 'falukantUpdateDebt', ...data });
             this._childrenSocketHandler = (data) => this.handleEvent({ event: 'children_update', ...data });
             this._productionCertificateSocketHandler = (data) => this.handleEvent({ event: 'falukantUpdateProductionCertificate', ...data });
             this._stockSocketHandler = (data) => this.handleEvent({ event: 'stock_change', ...data });
@@ -185,6 +206,7 @@ export default {
             this.socket.on('falukantUpdateStatus', this._statusSocketHandler);
             this.socket.on('falukantUpdateFamily', this._familySocketHandler);
             this.socket.on('falukantUpdateChurch', this._churchSocketHandler);
+            this.socket.on('falukantUpdateDebt', this._debtSocketHandler);
             this.socket.on('children_update', this._childrenSocketHandler);
             this.socket.on('falukantUpdateProductionCertificate', this._productionCertificateSocketHandler);
             this.socket.on('stock_change', this._stockSocketHandler);
@@ -195,6 +217,7 @@ export default {
                 if (this._statusSocketHandler) this.socket.off('falukantUpdateStatus', this._statusSocketHandler);
                 if (this._familySocketHandler) this.socket.off('falukantUpdateFamily', this._familySocketHandler);
                 if (this._churchSocketHandler) this.socket.off('falukantUpdateChurch', this._churchSocketHandler);
+                if (this._debtSocketHandler) this.socket.off('falukantUpdateDebt', this._debtSocketHandler);
                 if (this._childrenSocketHandler) this.socket.off('children_update', this._childrenSocketHandler);
                 if (this._productionCertificateSocketHandler) this.socket.off('falukantUpdateProductionCertificate', this._productionCertificateSocketHandler);
                 if (this._stockSocketHandler) this.socket.off('stock_change', this._stockSocketHandler);
@@ -207,7 +230,7 @@ export default {
             this._daemonHandler = (event) => {
                 try {
                     const data = JSON.parse(event.data);
-                    if (['falukantUpdateStatus', 'falukantUpdateFamily', 'falukantUpdateChurch', 'children_update', 'falukantUpdateProductionCertificate', 'stock_change', 'familychanged'].includes(data.event)) {
+                    if (['falukantUpdateStatus', 'falukantUpdateFamily', 'falukantUpdateChurch', 'falukantUpdateDebt', 'children_update', 'falukantUpdateProductionCertificate', 'stock_change', 'familychanged'].includes(data.event)) {
                         this.handleEvent(data);
                     }
                 } catch (_) {}
@@ -247,6 +270,7 @@ export default {
                 case 'falukantUpdateStatus':
                 case 'falukantUpdateFamily':
                 case 'falukantUpdateChurch':
+                case 'falukantUpdateDebt':
                 case 'children_update':
                 case 'falukantUpdateProductionCertificate':
                 case 'stock_change':
@@ -294,6 +318,25 @@ export default {
     box-shadow: var(--shadow-soft);
 }
 
+.statusbar-warning {
+    flex: 1 1 100%;
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 10px 12px;
+    border-radius: var(--radius-md);
+    border: 1px solid rgba(180, 120, 40, 0.35);
+    background: rgba(255, 244, 223, 0.92);
+    color: #8a5411;
+    font-size: 0.92rem;
+}
+
+.statusbar-warning.is-prison {
+    border-color: rgba(146, 57, 40, 0.42);
+    background: rgba(255, 232, 225, 0.94);
+    color: #8b2f23;
+}
+
 .status-item {
     text-align: center;
     cursor: pointer;
diff --git a/frontend/src/components/widgets/FalukantWidget.vue b/frontend/src/components/widgets/FalukantWidget.vue
index 22df3ce..6025aaa 100644
--- a/frontend/src/components/widgets/FalukantWidget.vue
+++ b/frontend/src/components/widgets/FalukantWidget.vue
@@ -12,6 +12,14 @@
     <dd>{{ falukantData.unreadNotificationsCount }}</dd>
     <dt>{{ $t('falukant.statusbar.children') }}</dt>
     <dd>{{ falukantData.childrenCount }}</dd>
+    <template v-if="falukantData.debtorsPrison?.active">
+      <dt>{{ $t('falukant.bank.debtorsPrison.titlePrison') }}</dt>
+      <dd class="falukant-debt" :class="{ 'falukant-debt--warning': !falukantData.debtorsPrison?.inDebtorsPrison }">
+        {{ falukantData.debtorsPrison?.inDebtorsPrison
+          ? $t('falukant.bank.debtorsPrison.titlePrison')
+          : $t('falukant.bank.debtorsPrison.titleWarning') }}
+      </dd>
+    </template>
   </dl>
   <span v-else>—</span>
 </template>
@@ -43,6 +51,7 @@ export default {
         money: pick(raw, 'money', 'money'),
         unreadNotificationsCount: pick(raw, 'unreadNotificationsCount', 'unread_notifications_count'),
         childrenCount: pick(raw, 'childrenCount', 'children_count'),
+        debtorsPrison: pick(raw, 'debtorsPrison', 'debtors_prison'),
         // keep all original keys as fallback for any other usage
         ...raw
       };
@@ -173,4 +182,13 @@ export default {
   color: #198754;
   font-weight: 600;
 }
+
+.dashboard-widget__falukant dd.falukant-debt {
+  color: #8b2f23;
+  font-weight: 700;
+}
+
+.dashboard-widget__falukant dd.falukant-debt--warning {
+  color: #9a5a08;
+}
 </style>
diff --git a/frontend/src/i18n/locales/de/falukant.json b/frontend/src/i18n/locales/de/falukant.json
index 5fb1251..012e5a8 100644
--- a/frontend/src/i18n/locales/de/falukant.json
+++ b/frontend/src/i18n/locales/de/falukant.json
@@ -24,6 +24,11 @@
             "children": "Kinder",
             "children_unbaptised": "ungetaufte Kinder"
         },
+        "debtorsPrison": {
+            "actionBlocked": "Im Schuldturm kannst du diese Aktion derzeit nicht ausführen.",
+            "globalWarning": "Dein Kreditverzug schränkt dein Handeln ein. Zwangsmaßnahmen können bald folgen.",
+            "globalLocked": "Du bist im Schuldturm. Fast alle aktiven Falukant-Handlungen sind derzeit gesperrt."
+        },
         "messages": {
             "title": "Nachrichten",
             "tooltip": "Nachrichten",
@@ -220,6 +225,11 @@
         },
         "branch": {
             "title": "Filiale",
+            "debtorsPrison": {
+                "branchLocked": "Im Schuldturm sind neue wirtschaftliche Schritte blockiert. Geschlossene oder gepfändete Standorte werden hier ebenfalls sichtbar.",
+                "branchRisk": "Dein Kreditverzug gefährdet Niederlassungen, Fahrzeuge und Lagerbestände.",
+                "selectionBlocked": "Neue Ausbauten sind im Schuldturm gesperrt."
+            },
             "currentCertificate": "Derzeitiges Zertifikat",
             "tabs": {
                 "director": "Direktor",
@@ -483,6 +493,10 @@
         },
         "family": {
             "title": "Familie",
+            "debtorsPrison": {
+                "familyWarning": "Anhaltender Kreditverzug belastet Ehe, Haushalt und Liebschaften.",
+                "familyImpact": "Der Schuldturm schadet Ehe, Hausfrieden und der Stabilität von Liebschaften."
+            },
             "spouse": {
                 "title": "Beziehung",
                 "name": "Name",
@@ -845,6 +859,10 @@
         },
         "house": {
             "title": "Haus",
+            "debtorsPrison": {
+                "houseWarning": "Mit wachsendem Kreditverzug steigt das Risiko für Pfändung und erzwungenen Hausverlust.",
+                "houseRisk": "Dein Haus ist jetzt Teil der möglichen Zwangsverwertung."
+            },
             "statusreport": "Zustand des Hauses",
             "element": "Bereich",
             "state": "Zustand",
@@ -1137,6 +1155,23 @@
                 "maxCredit": "Maximaler Kredit",
                 "availableCredit": "Verfügbarer Kredit"
             },
+            "debtorsPrison": {
+                "titleWarning": "Kreditverzug",
+                "titlePrison": "Schuldturm",
+                "descriptionWarning": "Deine Kredite sind im Verzug. Wenn du weiter nicht bedienst, drohen Zwangsmaßnahmen.",
+                "descriptionPrison": "Du sitzt im Schuldturm. Neue Kredite sind gesperrt und dein Vermögen wird schrittweise verwertet.",
+                "daysOverdue": "Verzugstage",
+                "creditworthiness": "Kreditwürdigkeit",
+                "nextForcedAction": "Nächste Zwangsmaßnahme",
+                "creditBlocked": "Im Schuldturm kannst du keine neuen Kredite aufnehmen.",
+                "creditError": "Der Kredit konnte nicht aufgenommen werden.",
+                "actions": {
+                    "reminder": "Erste Mahnung",
+                    "final_warning": "Letzte Mahnung",
+                    "debtors_prison": "Einweisung in den Schuldturm",
+                    "asset_seizure": "Pfändung von Vermögen"
+                }
+            },
             "credits": {
                 "title": "Kredite",
                 "none": "Derzeit hast Du keinen Kredit aufgenommen.",
diff --git a/frontend/src/i18n/locales/en/falukant.json b/frontend/src/i18n/locales/en/falukant.json
index 8b39401..4fef96e 100644
--- a/frontend/src/i18n/locales/en/falukant.json
+++ b/frontend/src/i18n/locales/en/falukant.json
@@ -10,6 +10,11 @@
             "windy": "Windy",
             "clear": "Clear"
         },
+        "debtorsPrison": {
+            "actionBlocked": "This action is blocked while you are in debtors' prison.",
+            "globalWarning": "Your credit delinquency is already restricting your actions. Forced measures may follow soon.",
+            "globalLocked": "You are in debtors' prison. Almost all active Falukant actions are currently blocked."
+        },
         "messages": {
             "title": "Messages",
             "tooltip": "Messages",
@@ -184,6 +189,10 @@
         },
         "house": {
             "title": "House",
+            "debtorsPrison": {
+                "houseWarning": "As delinquency grows, the risk of seizure and forced loss of the house increases.",
+                "houseRisk": "Your house is now part of the possible forced liquidation."
+            },
             "statusreport": "House condition",
             "element": "Element",
             "state": "Condition",
@@ -265,6 +274,11 @@
             "noProposals": "No director candidates available."
         },
         "branch": {
+            "debtorsPrison": {
+                "branchLocked": "While in debtors' prison, new economic steps are blocked. Closed or seized branches will also become visible here.",
+                "branchRisk": "Your delinquency puts branches, vehicles and stored goods at risk.",
+                "selectionBlocked": "New expansions are blocked while imprisoned for debt."
+            },
             "currentCertificate": "Current certificate",
             "selection": {
                 "title": "Branch Selection",
@@ -505,6 +519,10 @@
             }
         },
         "family": {
+            "debtorsPrison": {
+                "familyWarning": "Ongoing debt delinquency puts strain on marriage, household and affairs.",
+                "familyImpact": "Debtors' prison damages marriage, household peace and the stability of affairs."
+            },
             "children": {
                 "title": "Children",
                 "name": "Name",
@@ -736,6 +754,55 @@
                 "error": "The child could not be baptized."
             }
         },
+        "bank": {
+            "title": "Bank",
+            "account": {
+                "title": "Account",
+                "balance": "Balance",
+                "totalDebt": "Total debt",
+                "maxCredit": "Maximum credit",
+                "availableCredit": "Available credit"
+            },
+            "debtorsPrison": {
+                "titleWarning": "Credit delinquency",
+                "titlePrison": "Debtors' prison",
+                "descriptionWarning": "Your credits are overdue. If you continue to default, forced measures will follow.",
+                "descriptionPrison": "You are in debtors' prison. New credits are blocked and your assets will be liquidated step by step.",
+                "daysOverdue": "Days overdue",
+                "creditworthiness": "Creditworthiness",
+                "nextForcedAction": "Next forced action",
+                "creditBlocked": "You cannot take new credits while imprisoned for debt.",
+                "creditError": "The credit could not be taken.",
+                "actions": {
+                    "reminder": "First reminder",
+                    "final_warning": "Final warning",
+                    "debtors_prison": "Commitment to debtors' prison",
+                    "asset_seizure": "Asset seizure"
+                }
+            },
+            "credits": {
+                "title": "Credits",
+                "none": "You currently do not have any credits.",
+                "amount": "Amount",
+                "remaining": "Remaining",
+                "interestRate": "Interest rate",
+                "table": {
+                    "name": "Name",
+                    "amount": "Amount",
+                    "reason": "Reason",
+                    "date": "Date"
+                },
+                "payoff": {
+                    "title": "Take a new credit",
+                    "height": "Credit amount",
+                    "remaining": "Remaining possible credit amount",
+                    "fee": "Credit interest",
+                    "feeHeight": "Installment (10 payments)",
+                    "total": "Total",
+                    "confirm": "Take credit"
+                }
+            }
+        },
         "reputation": {
             "title": "Reputation",
             "overview": {
diff --git a/frontend/src/i18n/locales/es/falukant.json b/frontend/src/i18n/locales/es/falukant.json
index 045e3e5..19e56ca 100644
--- a/frontend/src/i18n/locales/es/falukant.json
+++ b/frontend/src/i18n/locales/es/falukant.json
@@ -24,6 +24,11 @@
             "children": "Hijos",
             "children_unbaptised": "hijos no bautizados"
         },
+        "debtorsPrison": {
+            "actionBlocked": "Esta acción está bloqueada mientras estés en la prisión por deudas.",
+            "globalWarning": "Tu mora crediticia ya restringe tus acciones. Pronto pueden llegar medidas forzosas.",
+            "globalLocked": "Estás en la prisión por deudas. Casi todas las acciones activas de Falukant están actualmente bloqueadas."
+        },
         "messages": {
             "title": "Mensajes",
             "tooltip": "Mensajes",
@@ -208,6 +213,11 @@
         },
         "branch": {
             "title": "Sucursal",
+            "debtorsPrison": {
+                "branchLocked": "En la prisión por deudas se bloquean los nuevos pasos económicos. Las sucursales cerradas o embargadas también se reflejarán aquí.",
+                "branchRisk": "Tu mora pone en peligro sucursales, vehículos y mercancías almacenadas.",
+                "selectionBlocked": "Las nuevas ampliaciones están bloqueadas en la prisión por deudas."
+            },
             "currentCertificate": "Certificado actual",
             "tabs": {
                 "director": "Director",
@@ -467,6 +477,10 @@
         },
         "family": {
             "title": "Familia",
+            "debtorsPrison": {
+                "familyWarning": "La mora continuada perjudica el matrimonio, el hogar y las relaciones.",
+                "familyImpact": "La prisión por deudas daña el matrimonio, la paz del hogar y la estabilidad de las relaciones."
+            },
             "spouse": {
                 "title": "Relación",
                 "name": "Nombre",
@@ -811,6 +825,10 @@
         },
         "house": {
             "title": "Casa",
+            "debtorsPrison": {
+                "houseWarning": "A medida que aumenta la mora, crece el riesgo de embargo y pérdida forzosa de la casa.",
+                "houseRisk": "Tu casa forma ahora parte de la posible liquidación forzosa."
+            },
             "statusreport": "Estado de la casa",
             "element": "Elemento",
             "state": "Estado",
@@ -1070,6 +1088,23 @@
                 "maxCredit": "Crédito máximo",
                 "availableCredit": "Crédito disponible"
             },
+            "debtorsPrison": {
+                "titleWarning": "Mora crediticia",
+                "titlePrison": "Prisión por deudas",
+                "descriptionWarning": "Tus créditos están en mora. Si sigues sin pagar, te amenazan medidas forzosas.",
+                "descriptionPrison": "Estás en la prisión por deudas. Los nuevos créditos están bloqueados y tu patrimonio se liquidará gradualmente.",
+                "daysOverdue": "Días de retraso",
+                "creditworthiness": "Solvencia crediticia",
+                "nextForcedAction": "Siguiente medida forzosa",
+                "creditBlocked": "No puedes solicitar nuevos créditos mientras estés en la prisión por deudas.",
+                "creditError": "No se pudo solicitar el crédito.",
+                "actions": {
+                    "reminder": "Primer aviso",
+                    "final_warning": "Último aviso",
+                    "debtors_prison": "Ingreso en prisión por deudas",
+                    "asset_seizure": "Embargo de bienes"
+                }
+            },
             "credits": {
                 "title": "Créditos",
                 "none": "Actualmente no tienes ningún crédito.",
diff --git a/frontend/src/views/falukant/BankView.vue b/frontend/src/views/falukant/BankView.vue
index ffa22c0..7bb0d45 100644
--- a/frontend/src/views/falukant/BankView.vue
+++ b/frontend/src/views/falukant/BankView.vue
@@ -8,6 +8,18 @@
 
       <!-- OVERVIEW -->
       <div v-if="activeTab === 'account'">
+        <div v-if="debtorsPrison.active" class="debt-status" :class="{ 'is-prison': debtorsPrison.inDebtorsPrison }">
+          <h3>{{ debtStatusTitle }}</h3>
+          <p>{{ debtStatusDescription }}</p>
+          <div class="debt-status__meta">
+            <span>{{ $t('falukant.bank.debtorsPrison.daysOverdue') }}: <strong>{{ debtorsPrison.daysOverdue }}</strong></span>
+            <span>{{ $t('falukant.bank.debtorsPrison.creditworthiness') }}: <strong>{{ debtorsPrison.creditworthiness }}</strong></span>
+            <span v-if="debtorsPrison.nextForcedAction">
+              {{ $t('falukant.bank.debtorsPrison.nextForcedAction') }}:
+              <strong>{{ $t(`falukant.bank.debtorsPrison.actions.${debtorsPrison.nextForcedAction}`) }}</strong>
+            </span>
+          </div>
+        </div>
         <div class="account-section">
           <table>
             <tr>
@@ -26,6 +38,10 @@
               <td>{{ $t('falukant.bank.account.availableCredit') }}</td>
               <td>{{ formatCost(bankOverview.availableCredit) }}</td>
             </tr>
+            <tr>
+              <td>{{ $t('falukant.bank.debtorsPrison.creditworthiness') }}</td>
+              <td>{{ bankOverview.creditworthiness }}</td>
+            </tr>
           </table>
         </div>
       </div>
@@ -77,9 +93,12 @@
             <p>
               <strong>{{ $t('falukant.bank.credits.payoff.total') }}: {{ formatCost(creditCost()) }}</strong>
             </p>
-            <button @click="confirmPayoff" class="button" :disabled="!selectedCredit">
+            <button @click="confirmPayoff" class="button" :disabled="!selectedCredit || isCreditBlocked">
               {{ $t('falukant.bank.credits.payoff.confirm') }}
             </button>
+            <p v-if="isCreditBlocked" class="payoff-hint payoff-hint--error">
+              {{ $t('falukant.bank.debtorsPrison.creditBlocked') }}
+            </p>
           </div>
         </div>
       </div>
@@ -93,6 +112,7 @@ import StatusBar from '@/components/falukant/StatusBar.vue';
 import SimpleTabs from '@/components/SimpleTabs.vue';
 import apiClient from '@/utils/axios.js';
 import { mapState } from 'vuex';
+import { showError } from '@/utils/feedback.js';
 
 export default {
   name: 'BankView',
@@ -118,34 +138,114 @@ export default {
     };
   },
   computed: {
-    ...mapState(['socket'])
+    ...mapState(['socket', 'daemonSocket', 'user']),
+    debtorsPrison() {
+      return this.bankOverview.debtorsPrison || {
+        active: false,
+        inDebtorsPrison: false,
+        daysOverdue: 0,
+        creditworthiness: 100,
+        nextForcedAction: null
+      };
+    },
+    isCreditBlocked() {
+      return this.debtorsPrison.inDebtorsPrison;
+    },
+    debtStatusTitle() {
+      return this.debtorsPrison.inDebtorsPrison
+        ? this.$t('falukant.bank.debtorsPrison.titlePrison')
+        : this.$t('falukant.bank.debtorsPrison.titleWarning');
+    },
+    debtStatusDescription() {
+      return this.debtorsPrison.inDebtorsPrison
+        ? this.$t('falukant.bank.debtorsPrison.descriptionPrison')
+        : this.$t('falukant.bank.debtorsPrison.descriptionWarning');
+    }
+  },
+  watch: {
+    socket(newVal, oldVal) {
+      if (oldVal) this.teardownSocketEvents();
+      if (newVal) this.setupSocketEvents();
+    },
+    daemonSocket(newVal, oldVal) {
+      if (oldVal) this.teardownSocketEvents();
+      if (newVal) this.setupSocketEvents();
+    }
   },
   async mounted() {
     await this.loadBankOverview();
     this.setupSocketEvents();
   },
   beforeUnmount() {
-    if (this.socket) {
-      this.socket.off('falukantUpdateStatus', this.loadBankOverview);
+    if (this._pendingRefresh) {
+      clearTimeout(this._pendingRefresh);
+      this._pendingRefresh = null;
     }
+    this.teardownSocketEvents();
   },
   methods: {
+    matchesCurrentUser(eventData) {
+      if (eventData?.user_id == null) {
+        return true;
+      }
+      const currentIds = [this.user?.id, this.user?.hashedId]
+        .filter(Boolean)
+        .map((value) => String(value));
+      return currentIds.includes(String(eventData.user_id));
+    },
     setupSocketEvents() {
+      this.teardownSocketEvents();
       if (this.socket) {
-        this.socket.on('falukantUpdateStatus', (data) => {
-          this.handleEvent({ event: 'falukantUpdateStatus', ...data });
-        });
-      } else {
-        setTimeout(() => this.setupSocketEvents(), 1000);
+        this._statusSocketHandler = (data) => this.handleEvent({ event: 'falukantUpdateStatus', ...data });
+        this._familySocketHandler = (data) => this.handleEvent({ event: 'falukantUpdateFamily', ...data });
+        this._debtSocketHandler = (data) => this.handleEvent({ event: 'falukantUpdateDebt', ...data });
+        this.socket.on('falukantUpdateStatus', this._statusSocketHandler);
+        this.socket.on('falukantUpdateFamily', this._familySocketHandler);
+        this.socket.on('falukantUpdateDebt', this._debtSocketHandler);
+      }
+      if (this.daemonSocket) {
+        this._daemonHandler = (event) => this.handleDaemonMessage(event);
+        this.daemonSocket.addEventListener('message', this._daemonHandler);
+      }
+    },
+    teardownSocketEvents() {
+      if (this.socket) {
+        if (this._statusSocketHandler) this.socket.off('falukantUpdateStatus', this._statusSocketHandler);
+        if (this._familySocketHandler) this.socket.off('falukantUpdateFamily', this._familySocketHandler);
+        if (this._debtSocketHandler) this.socket.off('falukantUpdateDebt', this._debtSocketHandler);
+      }
+      if (this.daemonSocket && this._daemonHandler) {
+        this.daemonSocket.removeEventListener('message', this._daemonHandler);
+        this._daemonHandler = null;
       }
     },
     handleEvent(eventData) {
+      if (!this.matchesCurrentUser(eventData)) {
+        return;
+      }
       switch (eventData.event) {
         case 'falukantUpdateStatus':
-          this.loadBankOverview();
+          this.queueBankRefresh();
+          break;
+        case 'falukantUpdateDebt':
+          this.queueBankRefresh();
+          break;
+        case 'falukantUpdateFamily':
+          if (['monthly', 'lover_installment'].includes(eventData.reason)) {
+            this.queueBankRefresh();
+          }
           break;
       }
     },
+    queueBankRefresh() {
+      if (this._pendingRefresh) {
+        clearTimeout(this._pendingRefresh);
+      }
+      this._pendingRefresh = setTimeout(() => {
+        this._pendingRefresh = null;
+        this.loadBankOverview();
+      }, 120);
+    },
     async loadBankOverview() {
       try {
         const { data } = await apiClient.get('/api/falukant/bank/overview');
@@ -155,6 +255,7 @@ export default {
       }
     },
     async confirmPayoff() {
+      if (this.isCreditBlocked) return;
       try {
         await apiClient.post('/api/falukant/bank/credits', { 
           height: this.selectedCredit
@@ -163,16 +264,17 @@ export default {
         this.selectedCredit = null;
         this.activeTab = 'credits';
       } catch (err) {
-        console.error(err);
+        showError(err.response?.data?.error || this.$t('falukant.bank.debtorsPrison.creditError'));
       }
     },
     handleDaemonMessage(msg) {
       try {
-        if (['falukantUpdateStatus', 'moneyChange', 'creditChange'].includes(msg.event)) {
-          this.loadBankOverview();
+        const data = JSON.parse(msg.data);
+        if (['falukantUpdateStatus', 'falukantUpdateDebt'].includes(data.event)) {
+          this.handleEvent(data);
         }
       } catch (err) {
-        console.error(evt, err);
+        console.error(err);
       }
     },
     feeRate() {
@@ -190,4 +292,38 @@ export default {
 
 <style scoped lang="scss">
 h2 { padding-top: 20px; }
+
+.debt-status {
+  margin-bottom: 1rem;
+  padding: 1rem 1.1rem;
+  border-radius: var(--radius-md);
+  border: 1px solid rgba(180, 120, 40, 0.35);
+  background: linear-gradient(180deg, rgba(255, 244, 223, 0.95), rgba(255, 249, 238, 0.98));
+}
+
+.debt-status.is-prison {
+  border-color: rgba(146, 57, 40, 0.45);
+  background: linear-gradient(180deg, rgba(255, 232, 225, 0.96), rgba(255, 245, 241, 0.98));
+}
+
+.debt-status h3 {
+  margin-bottom: 0.35rem;
+}
+
+.debt-status__meta {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 1rem;
+  margin-top: 0.75rem;
+  font-size: 0.95rem;
+}
+
+.payoff-hint {
+  margin-top: 0.75rem;
+}
+
+.payoff-hint--error {
+  color: #8b2f23;
+  font-weight: 600;
+}
 </style>
diff --git a/frontend/src/views/falukant/BranchView.vue b/frontend/src/views/falukant/BranchView.vue
index a4c81a4..37f1e3c 100644
--- a/frontend/src/views/falukant/BranchView.vue
+++ b/frontend/src/views/falukant/BranchView.vue
@@ -15,9 +15,28 @@
                 </div>
             </section>
 
+            <section
+                v-if="debtorsPrison.active"
+                class="branch-debt-warning surface-card"
+                :class="{ 'is-prison': debtorsPrison.inDebtorsPrison }"
+            >
+                <strong>
+                    {{ debtorsPrison.inDebtorsPrison
+                        ? $t('falukant.bank.debtorsPrison.titlePrison')
+                        : $t('falukant.bank.debtorsPrison.titleWarning') }}
+                </strong>
+                <p>
+                    {{ debtorsPrison.inDebtorsPrison
+                        ? $t('falukant.branch.debtorsPrison.branchLocked')
+                        : $t('falukant.branch.debtorsPrison.branchRisk') }}
+                </p>
+            </section>
+
             <BranchSelection
                 :branches="branches"
                 :selectedBranch="selectedBranch"
+                :blocked="debtorsPrison.inDebtorsPrison"
+                :blocked-reason="debtorsPrison.inDebtorsPrison ? $t('falukant.branch.debtorsPrison.selectionBlocked') : ''"
                 @branchSelected="onBranchSelected"
                 @createBranch="createBranch"
                 @upgradeBranch="upgradeBranch"
@@ -404,6 +423,10 @@ export default {
             branchTaxesLoading: false,
             branchTaxesError: null,
             currentCertificate: null,
+            debtorsPrison: {
+                active: false,
+                inDebtorsPrison: false
+            },
             pendingBranchRefresh: null,
         };
     },
@@ -462,6 +485,7 @@ export default {
         // Live-Socket-Events (Backend Socket.io)
         if (this.socket) {
             this.socket.on('falukantUpdateStatus', (data) => this.handleEvent({ event: 'falukantUpdateStatus', ...data }));
+            this.socket.on('falukantUpdateDebt', (data) => this.handleEvent({ event: 'falukantUpdateDebt', ...data }));
             this.socket.on('falukantUpdateProductionCertificate', (data) => this.handleEvent({ event: 'falukantUpdateProductionCertificate', ...data }));
             this.socket.on('falukantBranchUpdate', (data) => this.handleEvent({ event: 'falukantBranchUpdate', ...data }));
             this.socket.on('transport_arrived', (data) => this.handleEvent({ event: 'transport_arrived', ...data }));
@@ -482,6 +506,7 @@ export default {
         }
         if (this.socket) {
             this.socket.off('falukantUpdateStatus');
+            this.socket.off('falukantUpdateDebt');
             this.socket.off('falukantUpdateProductionCertificate');
             this.socket.off('falukantBranchUpdate');
             this.socket.off('transport_arrived');
@@ -558,6 +583,10 @@ export default {
             try {
                 const result = await apiClient.get('/api/falukant/user');
                 this.currentCertificate = result.data?.certificate ?? null;
+                this.debtorsPrison = result.data?.debtorsPrison || {
+                    active: false,
+                    inDebtorsPrison: false
+                };
             } catch (error) {
                 console.error('Error loading certificate:', error);
             }
@@ -678,6 +707,10 @@ export default {
         },
 
         async createBranch() {
+            if (this.debtorsPrison.inDebtorsPrison) {
+                showError(this, this.$t('falukant.branch.debtorsPrison.selectionBlocked'));
+                return;
+            }
             await this.loadBranches();
             // Nach dem Anlegen eines neuen Branches automatisch den
             // zuletzt/neu erstellten Branch auswählen.
@@ -694,6 +727,10 @@ export default {
 
         async upgradeBranch() {
             if (!this.selectedBranch) return;
+            if (this.debtorsPrison.inDebtorsPrison) {
+                showError(this, this.$t('falukant.branch.debtorsPrison.selectionBlocked'));
+                return;
+            }
             try {
                 await apiClient.post('/api/falukant/branches/upgrade', {
                     branchId: this.selectedBranch.id,
@@ -851,6 +888,7 @@ export default {
                     this.$refs.productionSection?.loadStorage();
                     break;
                 case 'falukantUpdateStatus':
+                case 'falukantUpdateDebt':
                 case 'falukantUpdateProductionCertificate':
                 case 'falukantBranchUpdate':
                     this.queueBranchRefresh();
@@ -1184,6 +1222,23 @@ export default {
     color: var(--color-text-secondary);
 }
 
+.branch-debt-warning {
+    margin-bottom: 16px;
+    padding: 16px 18px;
+    border: 1px solid rgba(180, 120, 40, 0.32);
+    background: linear-gradient(180deg, rgba(255, 244, 223, 0.95), rgba(255, 250, 239, 0.98));
+}
+
+.branch-debt-warning.is-prison {
+    border-color: rgba(146, 57, 40, 0.4);
+    background: linear-gradient(180deg, rgba(255, 232, 225, 0.96), rgba(255, 245, 241, 0.98));
+}
+
+.branch-debt-warning p {
+    margin: 6px 0 0;
+    color: var(--color-text-secondary);
+}
+
 .branch-hero__meta {
     margin-top: 12px;
 }
diff --git a/frontend/src/views/falukant/FamilyView.vue b/frontend/src/views/falukant/FamilyView.vue
index 605c7b8..fc4b181 100644
--- a/frontend/src/views/falukant/FamilyView.vue
+++ b/frontend/src/views/falukant/FamilyView.vue
@@ -11,6 +11,23 @@
                 </div>
             </section>
 
+            <section
+                v-if="debtorsPrison.active"
+                class="family-debt-warning surface-card"
+                :class="{ 'is-prison': debtorsPrison.inDebtorsPrison }"
+            >
+                <strong>
+                    {{ debtorsPrison.inDebtorsPrison
+                        ? $t('falukant.bank.debtorsPrison.titlePrison')
+                        : $t('falukant.bank.debtorsPrison.titleWarning') }}
+                </strong>
+                <p>
+                    {{ debtorsPrison.inDebtorsPrison
+                        ? $t('falukant.family.debtorsPrison.familyImpact')
+                        : $t('falukant.family.debtorsPrison.familyWarning') }}
+                </p>
+            </section>
+
             <div class="spouse-section">
                 <h3>{{ $t('falukant.family.spouse.title') }}</h3>
                 <div v-if="relationships.length > 0" class="relationship-container">
@@ -386,6 +403,10 @@ export default {
             householdTension: null,
             householdTensionScore: null,
             householdTensionReasons: [],
+            debtorsPrison: {
+                active: false,
+                inDebtorsPrison: false
+            },
             selectedChild: null,
             pendingFamilyRefresh: null
         }
@@ -426,11 +447,13 @@ export default {
             if (this.socket) {
                 this._falukantUpdateStatusHandler = (data) => this.handleEvent({ event: 'falukantUpdateStatus', ...data });
                 this._falukantUpdateFamilyHandler = (data) => this.handleEvent({ event: 'falukantUpdateFamily', ...data });
+                this._falukantUpdateDebtHandler = (data) => this.handleEvent({ event: 'falukantUpdateDebt', ...data });
                 this._childrenUpdateHandler = (data) => this.handleEvent({ event: 'children_update', ...data });
                 this._familyChangedHandler = (data) => this.handleEvent({ event: 'familychanged', ...data });
 
                 this.socket.on('falukantUpdateStatus', this._falukantUpdateStatusHandler);
                 this.socket.on('falukantUpdateFamily', this._falukantUpdateFamilyHandler);
+                this.socket.on('falukantUpdateDebt', this._falukantUpdateDebtHandler);
                 this.socket.on('children_update', this._childrenUpdateHandler);
                 this.socket.on('familychanged', this._familyChangedHandler);
             } else {
@@ -441,6 +464,7 @@ export default {
             if (!this.socket) return;
             if (this._falukantUpdateStatusHandler) this.socket.off('falukantUpdateStatus', this._falukantUpdateStatusHandler);
             if (this._falukantUpdateFamilyHandler) this.socket.off('falukantUpdateFamily', this._falukantUpdateFamilyHandler);
+            if (this._falukantUpdateDebtHandler) this.socket.off('falukantUpdateDebt', this._falukantUpdateDebtHandler);
             if (this._childrenUpdateHandler) this.socket.off('children_update', this._childrenUpdateHandler);
             if (this._familyChangedHandler) this.socket.off('familychanged', this._familyChangedHandler);
         },
@@ -454,6 +478,7 @@ export default {
                     if ([
                         'falukantUpdateStatus',
                         'falukantUpdateFamily',
+                        'falukantUpdateDebt',
                         'children_update',
                         'falukantUpdateChurch',
                         'familychanged',
@@ -502,6 +527,7 @@ export default {
 
             switch (eventData.event) {
                 case 'falukantUpdateStatus':
+                case 'falukantUpdateDebt':
                 case 'familychanged':
                     this.queueFamilyRefresh({ reloadCharacter: true });
                     break;
@@ -533,6 +559,10 @@ export default {
                 this.householdTension = response.data.householdTension;
                 this.householdTensionScore = response.data.householdTensionScore;
                 this.householdTensionReasons = response.data.householdTensionReasons || [];
+                this.debtorsPrison = response.data.debtorsPrison || {
+                    active: false,
+                    inDebtorsPrison: false
+                };
             } catch (error) {
                 console.error('Error loading family data:', error);
             }
@@ -874,6 +904,23 @@ export default {
     color: var(--color-text-secondary);
 }
 
+.family-debt-warning {
+    margin-bottom: 16px;
+    padding: 16px 18px;
+    border: 1px solid rgba(180, 120, 40, 0.32);
+    background: linear-gradient(180deg, rgba(255, 244, 223, 0.95), rgba(255, 250, 239, 0.98));
+}
+
+.family-debt-warning.is-prison {
+    border-color: rgba(146, 57, 40, 0.4);
+    background: linear-gradient(180deg, rgba(255, 232, 225, 0.96), rgba(255, 245, 241, 0.98));
+}
+
+.family-debt-warning p {
+    margin: 6px 0 0;
+    color: var(--color-text-secondary);
+}
+
 .marriage-overview {
     display: grid;
     grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
diff --git a/frontend/src/views/falukant/HouseView.vue b/frontend/src/views/falukant/HouseView.vue
index e5e47b2..9aa4b06 100644
--- a/frontend/src/views/falukant/HouseView.vue
+++ b/frontend/src/views/falukant/HouseView.vue
@@ -2,6 +2,22 @@
     <div class="house-view">
         <StatusBar />
         <h2>{{ $t('falukant.house.title') }}</h2>
+        <section
+            v-if="debtorsPrison.active"
+            class="house-debt-warning surface-card"
+            :class="{ 'is-prison': debtorsPrison.inDebtorsPrison }"
+        >
+            <strong>
+                {{ debtorsPrison.inDebtorsPrison
+                    ? $t('falukant.bank.debtorsPrison.titlePrison')
+                    : $t('falukant.bank.debtorsPrison.titleWarning') }}
+            </strong>
+            <p>
+                {{ debtorsPrison.inDebtorsPrison
+                    ? $t('falukant.house.debtorsPrison.houseRisk')
+                    : $t('falukant.house.debtorsPrison.houseWarning') }}
+            </p>
+        </section>
         <div class="existing-house">
             <div :style="houseType ? houseStyle(houseType.position, 341) : {}" class="house"></div>
             <div class="status-panel surface-card">
@@ -127,7 +143,7 @@
                         <div class="buyable-house-price">
                             {{ $t('falukant.house.price') }}: {{ buyCost(house) }}
                         </div>
-                        <button @click="buyHouse(house.id)">
+                        <button @click="buyHouse(house.id)" :disabled="debtorsPrison.inDebtorsPrison">
                             {{ $t('falukant.house.buy') }}
                         </button>
                     </div>
@@ -161,11 +177,15 @@ export default {
             servantPayLevel: 'normal',
             servantPayOptions: ['low', 'normal', 'high'],
             buyableHouses: [],
-            currency: '€'
+            currency: '€',
+            debtorsPrison: {
+                active: false,
+                inDebtorsPrison: false
+            }
         };
     },
     computed: {
-        ...mapState(['socket']),
+        ...mapState(['socket', 'daemonSocket', 'user']),
         allRenovated() {
             return Object.values(this.status).every(v => v >= 100);
         }
@@ -176,6 +196,10 @@ export default {
                 const userRes = await apiClient.get('/api/falukant/houses');
                 this.userHouse = userRes.data;
                 this.houseType = this.userHouse.houseType;
+                this.debtorsPrison = this.userHouse.debtorsPrison || {
+                    active: false,
+                    inDebtorsPrison: false
+                };
                 const { roofCondition, wallCondition, floorCondition, windowCondition } = this.userHouse;
                 this.status = { roofCondition, wallCondition, floorCondition, windowCondition };
                 this.servantSummary = this.userHouse.servantSummary || this.servantSummary;
@@ -327,14 +351,27 @@ export default {
         handleDaemonMessage(evt) {
             try {
                 const msg = JSON.parse(evt.data);
-                if (msg.event === 'houseupdated') this.loadData();
+                if (!this.matchesCurrentUser(msg)) return;
+                if (['houseupdated', 'falukantUpdateStatus', 'falukantUpdateDebt', 'falukantHouseUpdate'].includes(msg.event)) this.loadData();
             } catch { }
         },
+        matchesCurrentUser(eventData) {
+            if (eventData?.user_id == null) {
+                return true;
+            }
+            const currentIds = [this.user?.id, this.user?.hashedId]
+                .filter(Boolean)
+                .map((value) => String(value));
+            return currentIds.includes(String(eventData.user_id));
+        },
         setupSocketEvents() {
             if (this.socket) {
                 this.socket.on('falukantHouseUpdate', (data) => {
                     this.handleEvent({ event: 'falukantHouseUpdate', ...data });
                 });
+                this.socket.on('falukantUpdateDebt', (data) => {
+                    this.handleEvent({ event: 'falukantUpdateDebt', ...data });
+                });
                 this.socket.on('falukantUpdateStatus', (data) => {
                     this.handleEvent({ event: 'falukantUpdateStatus', ...data });
                 });
@@ -345,6 +382,7 @@ export default {
         handleEvent(eventData) {
             switch (eventData.event) {
                 case 'falukantUpdateStatus':
+                case 'falukantUpdateDebt':
                 case 'falukantHouseUpdate':
                     this.loadData();
                     break;
@@ -354,10 +392,17 @@ export default {
     async mounted() {
         await this.loadData();
         this.setupSocketEvents();
+        if (this.daemonSocket) {
+            this.daemonSocket.addEventListener('message', this.handleDaemonMessage);
+        }
     },
     beforeUnmount() {
+        if (this.daemonSocket) {
+            this.daemonSocket.removeEventListener('message', this.handleDaemonMessage);
+        }
         if (this.socket) {
             this.socket.off('falukantHouseUpdate', this.loadData);
+            this.socket.off('falukantUpdateDebt', this.loadData);
             this.socket.off('falukantUpdateStatus', this.loadData);
         }
     }
@@ -387,6 +432,22 @@ h2 {
     margin: 0 0 10px;
 }
 
+.house-debt-warning {
+    padding: 16px 18px;
+    border: 1px solid rgba(180, 120, 40, 0.32);
+    background: linear-gradient(180deg, rgba(255, 244, 223, 0.95), rgba(255, 250, 239, 0.98));
+}
+
+.house-debt-warning.is-prison {
+    border-color: rgba(146, 57, 40, 0.4);
+    background: linear-gradient(180deg, rgba(255, 232, 225, 0.96), rgba(255, 245, 241, 0.98));
+}
+
+.house-debt-warning p {
+    margin: 6px 0 0;
+    color: var(--color-text-secondary);
+}
+
 .existing-house {
     display: flex;
     gap: 20px;
diff --git a/frontend/src/views/falukant/OverviewView.vue b/frontend/src/views/falukant/OverviewView.vue
index ddf957a..a7251df 100644
--- a/frontend/src/views/falukant/OverviewView.vue
+++ b/frontend/src/views/falukant/OverviewView.vue
@@ -9,7 +9,24 @@
             </div>
         </section>
 
-        <div v-if="falukantUser?.character" class="imagecontainer">
+        <section
+            v-if="falukantUser?.debtorsPrison?.active"
+            class="falukant-debt-warning surface-card"
+            :class="{ 'is-prison': falukantUser?.debtorsPrison?.inDebtorsPrison }"
+        >
+            <strong>
+                {{ falukantUser?.debtorsPrison?.inDebtorsPrison
+                    ? $t('falukant.bank.debtorsPrison.titlePrison')
+                    : $t('falukant.bank.debtorsPrison.titleWarning') }}
+            </strong>
+            <p>
+                {{ falukantUser?.debtorsPrison?.inDebtorsPrison
+                    ? $t('falukant.bank.debtorsPrison.descriptionPrison')
+                    : $t('falukant.bank.debtorsPrison.descriptionWarning') }}
+            </p>
+        </section>
+
+        <div v-if="falukantUser?.character && !falukantUser?.debtorsPrison?.inDebtorsPrison" class="imagecontainer">
             <div :style="getAvatarStyle" class="avatar"></div>
             <div class="house-with-character">
                 <div :style="getHouseStyle" class="house"></div>
@@ -23,6 +40,16 @@
             </div>
         </div>
 
+        <div v-else-if="falukantUser?.character && falukantUser?.debtorsPrison?.inDebtorsPrison" class="imagecontainer imagecontainer--prison">
+            <div class="debtors-prison-visual" aria-hidden="true">
+                <div class="debtors-prison-visual__moon"></div>
+                <div class="debtors-prison-visual__tower"></div>
+                <div class="debtors-prison-visual__bars debtors-prison-visual__bars--left"></div>
+                <div class="debtors-prison-visual__bars debtors-prison-visual__bars--right"></div>
+                <div class="debtors-prison-visual__ground"></div>
+            </div>
+        </div>
+
         <section v-if="falukantUser?.character" class="falukant-summary-grid">
             <article class="summary-card surface-card">
                 <span class="summary-card__label">{{ $t('falukant.overview.metadata.certificate') }}</span>
@@ -44,6 +71,15 @@
                 <strong>{{ stockEntryCount }}</strong>
                 <p>Verdichteter Blick auf Warenbestand über alle Regionen.</p>
             </article>
+            <article v-if="falukantUser?.debtorsPrison?.active" class="summary-card surface-card">
+                <span class="summary-card__label">{{ $t('falukant.bank.debtorsPrison.creditworthiness') }}</span>
+                <strong>{{ falukantUser.debtorsPrison.creditworthiness }}</strong>
+                <p>
+                    {{ falukantUser.debtorsPrison.nextForcedAction
+                        ? $t(`falukant.bank.debtorsPrison.actions.${falukantUser.debtorsPrison.nextForcedAction}`)
+                        : $t('falukant.bank.debtorsPrison.titleWarning') }}
+                </p>
+            </article>
         </section>
 
         <section v-if="falukantUser?.character" class="falukant-routine-grid">
@@ -357,6 +393,7 @@ export default {
             this.socket.off("falukantUpdateStatus");
             this.socket.off("falukantUpdateFamily");
             this.socket.off("falukantUpdateChurch");
+            this.socket.off("falukantUpdateDebt");
             this.socket.off("falukantUpdateProductionCertificate");
             this.socket.off("children_update");
             this.socket.off("falukantBranchUpdate");
@@ -376,6 +413,9 @@ export default {
                 this.socket.on("falukantUpdateChurch", (data) => {
                     this.handleEvent({ event: 'falukantUpdateChurch', ...data });
                 });
+                this.socket.on("falukantUpdateDebt", (data) => {
+                    this.handleEvent({ event: 'falukantUpdateDebt', ...data });
+                });
                 this.socket.on("falukantUpdateProductionCertificate", (data) => {
                     this.handleEvent({ event: 'falukantUpdateProductionCertificate', ...data });
                 });
@@ -446,6 +486,7 @@ export default {
                 case 'falukantUpdateStatus':
                 case 'falukantUpdateFamily':
                 case 'falukantUpdateChurch':
+                case 'falukantUpdateDebt':
                 case 'falukantUpdateProductionCertificate':
                 case 'children_update':
                 case 'falukantBranchUpdate':
@@ -579,6 +620,23 @@ export default {
     color: var(--color-text-secondary);
 }
 
+.falukant-debt-warning {
+    margin-bottom: 16px;
+    padding: 16px 18px;
+    border: 1px solid rgba(180, 120, 40, 0.32);
+    background: linear-gradient(180deg, rgba(255, 244, 223, 0.95), rgba(255, 250, 239, 0.98));
+}
+
+.falukant-debt-warning.is-prison {
+    border-color: rgba(146, 57, 40, 0.4);
+    background: linear-gradient(180deg, rgba(255, 232, 225, 0.96), rgba(255, 245, 241, 0.98));
+}
+
+.falukant-debt-warning p {
+    margin: 6px 0 0;
+    color: var(--color-text-secondary);
+}
+
 .falukant-summary-grid,
 .falukant-routine-grid {
     display: grid;
@@ -694,6 +752,101 @@ export default {
     z-index: 0;
 }
 
+.imagecontainer--prison {
+    min-height: 320px;
+}
+
+.debtors-prison-visual {
+    position: relative;
+    width: min(100%, 540px);
+    height: 320px;
+    border: 1px solid var(--color-border);
+    border-radius: var(--radius-lg);
+    overflow: hidden;
+    background:
+        radial-gradient(circle at 18% 22%, rgba(255, 233, 167, 0.95) 0, rgba(255, 233, 167, 0.95) 10%, rgba(255, 233, 167, 0) 11%),
+        linear-gradient(180deg, #273149 0%, #31476b 42%, #6d5953 42%, #6d5953 100%);
+    box-shadow: var(--shadow-soft);
+}
+
+.debtors-prison-visual__moon {
+    position: absolute;
+    top: 42px;
+    left: 72px;
+    width: 38px;
+    height: 38px;
+    border-radius: 50%;
+    background: rgba(255, 241, 194, 0.9);
+    box-shadow: 0 0 24px rgba(255, 241, 194, 0.5);
+}
+
+.debtors-prison-visual__tower {
+    position: absolute;
+    left: 50%;
+    bottom: 54px;
+    width: 160px;
+    height: 190px;
+    transform: translateX(-50%);
+    border-radius: 18px 18px 10px 10px;
+    background:
+        linear-gradient(180deg, #8c8a86 0%, #6f6a64 100%);
+    box-shadow: inset 0 0 0 2px rgba(53, 49, 45, 0.18);
+}
+
+.debtors-prison-visual__tower::before {
+    content: '';
+    position: absolute;
+    top: -26px;
+    left: 18px;
+    width: 124px;
+    height: 34px;
+    border-radius: 10px 10px 0 0;
+    background:
+        repeating-linear-gradient(90deg, #7d786f 0, #7d786f 18px, #646057 18px, #646057 26px);
+}
+
+.debtors-prison-visual__tower::after {
+    content: '';
+    position: absolute;
+    left: 50%;
+    bottom: 0;
+    width: 42px;
+    height: 88px;
+    transform: translateX(-50%);
+    border-radius: 18px 18px 0 0;
+    background: #40362f;
+    box-shadow: inset 0 0 0 2px rgba(17, 13, 11, 0.22);
+}
+
+.debtors-prison-visual__bars {
+    position: absolute;
+    top: 116px;
+    width: 34px;
+    height: 54px;
+    border-radius: 8px;
+    background:
+        repeating-linear-gradient(90deg, rgba(33, 31, 29, 0.85) 0, rgba(33, 31, 29, 0.85) 5px, transparent 5px, transparent 11px);
+}
+
+.debtors-prison-visual__bars--left {
+    left: calc(50% - 54px);
+}
+
+.debtors-prison-visual__bars--right {
+    right: calc(50% - 54px);
+}
+
+.debtors-prison-visual__ground {
+    position: absolute;
+    left: 0;
+    right: 0;
+    bottom: 0;
+    height: 64px;
+    background:
+        linear-gradient(180deg, rgba(72, 57, 51, 0.2), rgba(72, 57, 51, 0.42)),
+        repeating-linear-gradient(90deg, #756357 0, #756357 18px, #6d5a4f 18px, #6d5a4f 30px);
+}
+
 .avatar {
     border: 1px solid var(--color-border);
     border-radius: var(--radius-lg);