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What you can do now already!

overview

To permanently get your money problems under control, it is important to develop an accurate picture of your current financial situation and your debt. You need an honest overview of your monthly income and expenditure. You must also try to obtain missing documents.

What can you do: create

• First of all, order and sort all available documents. If not already done so - you attach existing loan contracts, invoices, purchase contracts, Call list, reminder and enforcement orders, and possibly proof of payment to a folder. Everything that has to do with your debt. Make it meaningful sub-groups and put the documents into chronological order.
• Make a budget with all income and expenditure. This provides them with the best view.
• Apply for a self-assessment in Schufa Schufa
• After the company is the largest credit reporting infoscore Germany. Again, you can request an informal writing and self-disclosure infoscore.
• Ask your creditors for a current list of all their claims and may also make copies lack of documentation to.
  

verify eligibility of claims

The enforcement notice is a document which allows a creditor of 30 years engage in so-called foreclosure. In this case no court has considered whether this demand is ever justified. The need to accept yourself. Preferably immediately.
When a collection agency will contact you, you should check in each case whether this is even the right to contact with a claim against you.

What can you do:

• check exactly whether the notice in the amount receivable rights.
• Check the height requirement.
• Be Collection agency always a declaration of assignment or power of attorney was present. Failing that, you continue with your creditors.
  

What to consider when dealing with creditors!

• Sign In general do not acknowledge guilt! Get help from a debt counseling agency in the assessment of such letters.
• Have never sign an additional partner or the partner. Also they must then be liable for your debts.
• Let employees of debt collectors prefer not to your home. Only bailiffs enforcement and civil servants are entitled to enter your home. increase revenue
  

Sometimes the burden of debt seems so overwhelming that the most obvious is overlooked. Consider also whether you can increase your revenue.

• you have the opportunity to extend your work or outside activities to take? Then do this
• Check that the take in your current situation rightful government services actually use.
  

reduce expenditure

Think about where you are with your spending save possibly can. Some examples:

• Use effective call-by-call dialing codes on your landline
• you change the plan or provider
• avoid long conversations with the phone, particularly during peak periods
• Make appliances look right and not on stand-by
• check the use of energy saving lamps
• you control the temperature in your home according to the use of each room - especially at night and in the absence
• Check all your insurance! Maybe you are "insured over" and policies can cancel or change to a better deal? If you constantly take an expensive line of credit services, you could replace this by a more favorable loan rates. Talk to your bank!
  

Beware of credit and installment purchases!

• Always Consider whether you really need that loan.
• Leave the fingers of credit offers that you want to communicate without "Schufa information or credit check for credit.
• If you are unsure if a credit offer is legitimate, go to a consumer organization or debt counseling agency near you and guidance.

Source: www.my-schulden.de

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Out of court settlement of debts

Out-of-court settlement is the "silver bullet" for the settlement of debts. This will aim to examine all outstanding financial obligations, such as overdue loan payments or unpaid bills, and organize, and to adopt rules to all creditors who make it possible to pay these debts properly. Debtors and creditors together to try to agree amicably on the basis of a debt settlement plan.

debt counselors and debt counselor can be very helpful with their knowledge in talks and negotiations with creditors. How debt repayment is made depends on the individual situation of the Debtors now and is also at the discretion of creditors. give

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indebtedness

Debt financing of goods and services has become essential in particular for households with lower monthly income, but also for others. More and more households live a so-called "living on credit." The first car, the establishment of the first apartment, a new computer is already available for less than 200 € a month with all the trimmings - it seems. Hardly any consumer durable without the proper, tailored consumer credit. Many other products and services are now credit-financed offered, such as the holiday on credit with several years of installment payments. The use of these loans, which often allows far too easily, but also houses dangers. In order not to unforeseen life events into a debt spiral and ultimately falling into debt, a high degree of discipline to meet current commitments is required. It is also important to gather information already borrowing or entering into other obligations on the costs and risks.

If the expenses are higher than the revenue shift, the realization of your desire at a later date. Make sure that the monthly payments you yet a large enough financial flexibility can be foreseen, and schedule and that revenues could be reduced.

Source: www.my-schulden.de

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avoid excessive debt - what is it?

Many people in our country finance short-and long-lasting consumer goods, relying on a steady income by borrowing against. The inclusion of short-and long-term credit is a problem if

• sufficient financial flexibility available to repay the loan installments and
• in borrowing also possibly occurring unforeseen additional expenditure or a decrease in revenue will be taken into account.
  

you have not considered, then to unemployment and other critical life events or setbacks mean that the monthly income not compensate for the monthly expenses. Cause may be that you have difficulty, moderate handling money. The consequences may include reminders abound. The bank has terminated the overdraft and pulls a credit card. The termination of the dwelling is imminent. The bailiff is at the door.

Typical of critical life events is that they occur accidentally, unplanned and unexpected. Most commonly affected by the Job loss, separation and divorce, own illness or death of close relatives identified as critical life events. These are often associated with depression, loss of drive, disorientation and loss of life perspective. Generally, it is an involvement of multiple factors and individual problems, leading eventually to the indebtedness.

It should not be overlooked that the parents experienced in handling money and the social and economic situation of the parents to be influencing us. Negative experiences in dealing with money at home and lack of opportunities to learn as a child to handle money and to increase exercise, the risk, even to fall into over-indebtedness.

If your monthly income permanently is not sufficient to pay the fixed cost of living and overdue rates and bills, then you are in debt.

Debtors have the chance to get a new start! Professional advice and aid, the debt counseling. Since 1 January 1999, this consumer insolvency proceedings with his 1st December 2001 shall, in force since change is a possibility of further debt. Even for self-employed, however, is the regular insolvency proceedings!

Source: www.my-schulden.de

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first aid for debt problems

How to prepare Before a first debt?

Quick help, press, especially when acute problems is easier if, before the first call, the financial situation in the household is clear. This includes a checklist of monthly revenue and expenditure (budget of forum-debt), a current (as called for compilation) and the most complete list of debts. In addition, the consultant so he can immediately intervene to provide support, reward certificates, reminders, garnishment notices, etc. are available.

runs like a debt from practice?

The consultants help the victims first to provide an overview of their actual financial situation. Are then all documentary clearly organized and clean, the result may well be sobering. But almost always, find ways out of crisis situation. If those seeking help were finally added and mentally in a position to tackle the management of the problems will be discussed together how to proceed. The aim is to develop a concept of life and make life for the next time so that their potential targets in any case be able to achieve - if they only do this.

What should you do before an agreed debt?

1. No new debt restructuring, installment payments or loans agree and sign no (notarized) admission of liability.
2. Check that correspond to a potentially entitled to maintenance payments of the current living situation.
3. incoming dunning notices and enforcement check carefully on their merits - and replace if necessary within 14 days of the District Court appeal against the decision (against appearing too high interest receivable).
4. claims about the lodging of a statutory declaration to the complete financial disclosure notice must, otherwise Erzwingungshaft threatened.
5. who because of his Debt no longer a checking account may apply to the county or city savings bank account on a credit basis. This account can be overdrawn.
6. In one account, the attachment of social benefits (eg unemployment benefits, social assistance, education, money) is protected by the seventh day following the date on the account. The financial institution must be in the same period the total amount paid out.
   

What do I do with my debt?

Help for over-indebted families and addresses of debt counseling. From debt to over-indebtedness: what to do, how can regulate debt and how to receive counseling, shows this brochure. You also explains the legal side. The brochure is available at the Federal Ministry for Family Affairs, Senior Citizens, Women and youth are required, call 01805-329 329 (0,12 EUR / call) or e-mail to broschuerenstelle@bmfsfj.bund.de

Source: www.schulden -infos.de