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?
- No new debt restructuring, installment payments or loans agree and sign no (notarized) admission of liability.
- Check that correspond to a potentially entitled to maintenance payments of the current living situation.
- 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).
- claims about the lodging of a statutory declaration to the complete financial disclosure notice must, otherwise Erzwingungshaft threatened.
- 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.
- 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.
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
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