It is also possible to have debts with providers of social benefits such as the Social Welfare Office or Jobcentre. These arise primarily if you receive a demand for the repayment of a loan or benefits that have been paid out unjustly without authorisation. If this happens to you, it […]
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Contribution debts with your statutory health insurance fund (GKV) How high is my statutory health insurance contribution? The monthly insurance premium is calculated on the basis of the income of the insured person. Who pays the contribution to my health insurance fund? For employees who receive a salary or wage, […]
If you commit a criminal offence you may be sentenced to prison or, for minor offences, fined The German Criminal Code (Strafgesetzbuch) or special laws such as the Narcotics Act define what constitutes a criminal offence. How are fines imposed? The police are initially responsible for prosecuting criminal offences; however, […]
Maintenance is a complicated subject. This information sheet can therefore only provide a general overview. 1. When must maintenance be paid? Maintenance must be paid if the prerequisites under 1, 2 and 3 are met: Prerequisite 1: Anyone claiming maintenance must be in need. A person in need is someone who does […]
If you have violated any regulation under administrative law (= administrative offence), you may be obliged to pay a certain amount of money (= financial penalty). The financial penalty (often simply called a „fine“) is therefore a penalty charge to be paid to an authority or public agency. NB: This information […]
How can the debt advisory office help you? We help you to draw up a clear overview of your debts. We help you to find ways of settling your debts. We support you in negotiations with creditors. We help you to find out whether consumer insolvency proceedings would be possible […]
The creditor is allowed to protect his debt. He will normally do this by taking legal default action. In this case the court will send you a default summons (Mahnbescheid) (this comes in a yellow envelope with an endorsement of service. IMPORTANT: The court has not verified the information given by the […]
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 […]
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 […]