What are your creditors allowed to do if you can no longer pay instalments or outstanding invoices due? Generally as a first step you will receive a series of reminders. These letters sometimes arrive in quick succession. If this produces no results, your creditors (i.e. the people you owe money […]
Archiv des Tages: 16. März 2025
29 Beiträge
Are you in debt and see no possibility of repaying your debts in the next few years? Insolvency proceedings may be the way out. We can only give you a rough guide to insolvency proceedings here. Insolvency proceedings are not a quick solution. There are sometimes good reasons not to […]
If you do not pay your debts, the creditor may apply for a bailiff to seize goods in your house and/or to make a financial status enquiry (previously affirmation in lieu of oath). Prerequisite Your payment obligation must have been officially established, e.g. in judgement or writ of execution or […]
(Virtually) all „regular“ (i.e. recurring) income can in principle be attached. This means that wages and unemployment benefit as well as pensions can be attached! However, social benefits/ basic income, parental benefit up to 300 euros, maternity benefit or nursing benefit for nursing care by self-supplied carers cannot be attached. […]
You have a statutory entitlement to a current account. This account is called a „basic payment account” (Basiskonto). What is a basic account? This is a current account that usually cannot be overdrawn (credit account). You will receive an EC card but generally not a credit card. Standing orders and direct debit […]
Fuel and rent are two of the most important items in any household budget! Even if debt collection agencies are pressurising you: Paying for your electricity and gas is more important than paying off debts. Fuel debts are a danger to your existence because your supply could be cut off and […]
Rent and fuel bills should have top priority! Paying rent is more important that paying off debts (however much pressure the collection agency may be putting on you … )! Rent arrears threaten your existence because in the final event you face compulsory eviction and homelessness! It is in your own interests to […]
Auch bei Sozialleistungsträgern, wie dem Sozialamt oder dem Jobcenter, kann man Schulden haben. Sie entstehen vor allem durch Rückforderung von Darlehen und Rückforderung von unberechtigt ausgezahlten Leistungen. Kommt man in eine solche Situation, ist es wichtig zu wissen, von welchem Amt die Forderung stammt. Die Regelungen sind unterschiedlich, je nachdem, […]
Beitragsschulden in der gesetzlichen Krankenversicherung (GKV) Wie hoch ist mein Beitrag zur gesetzlichen Krankenversicherung? Der monatlich zu zahlende Versicherungsbetrag berechnet sich nach dem Einkommen der versicherten Person. Wer zahlt den Beitrag an meine Krankenkasse? Bei Angestellten wird der Beitrag zur Hälfte vom Arbeitgeber getragen, automatisch vom Bruttolohn abgezogen und an […]
Sosyal yardım kurumları, örneğin Sosyal Yardım Dairesi (Sozialamt) veya İş ve İşçi Bulma Kurumu (Jobcenter) karşısında da borçlanmalar olabilir. Bunlar, özellikle geri ödenmesi gereken kredilerden ve haksız yere ödenmiş yardımların iadesinden kaynaklanır. Böyle bir durumda, talebin hangi kurumdan geldiğini bilmek önemlidir. Düzenlemeler, kişinin SGB II yardımları (“Bürgergeld (Vatandaşlık Geliri)”) mı […]