So I get rid of all debt in 7 years
Private Insolvency.
There are currently around 6.5 million people in Germany hopelessly in debt! According to Creditreform, the number of consumer bankruptcies is the last year alone grew by 7.6% to 139 800! Word fear personal bankruptcy. IMAGE clarifies important questions:
How do I know that I am in debt
warning signs
a The monthly expenses exceed the net income in, mortal gold, the long run a The MRP is covered by more than two net salaries a is insolvent..: Payments due to "indefinitely" can not be done.
What are common reasons for indebtedness
a unemployment a separation a poor financial management, a business start-up failed, a illness / addiction / accident.
Table
IMAGE informiertSo much income can be seized!
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15 rules,, power leveling wow, so you do not slip into the debt trap
Checking account in the permanent decline Always new, larger loans IMAGE explains how they do not slip into the debt trap!
15 rules, so you do not slip into the debt trap
Checking account in the permanent decline Always new, larger loans IMAGE explains how to NOT slip into debt! 15 rules, so you do not, mortal gold, slip into the debt trap
Rule 1: Treat yourself to only the lifestyle you can pay for itself. Sounds simple, but many do not keep daran.15 rules so you do not slip into the debt trap
Rule 2: To control all revenue and expenditure aufschreiben.15 rules so you do not slip into the debt trap
Rule 3: Who checks costs such as telephone, Internet, electricity, gas,, darkfall powerleveling, insurance and decreases regularly expresses his debt exposure. Example: Prepaid phone card instead of the contract helps sparen.15 rules so you do not slip into the debt trap
Rule 4: Permanent overdrafts in addition to credit card spending, the most expensive debt (often 15% to 19% interest). MRP voluntarily limit, MRP debt abbauen.15 priority rules, so you do not slip into the debt trap
Rule 5: Open All letters are to pay bills the same - or face the loss of the collection expenses and quickly berblicks.15 rules so you do not slip into the debt trap
Rule 6: If job loss immediately radically reduce costs. Those who have no reserves, should precautionary advice on debt gehen.15 rules so you do not slip into the debt trap
Rule 7: In clear distinction, such as moving, new furniture, a lawyer will be paid. Shared accounts close down. Never give up maintenance, at a pinch at the Office to advance bitten.15 rules so you do not slip into the debt trap
Rule 8: If possible, save up small emergency reserve, such as to broken washing machine without credit rates to ersetzen.15 rules so you do not slip into the debt trap
Rule 9: Buying a house by just count, charges note, at least 25% Eigenkapital.15 rules so you do not slip into the debt trap
Rule 10: Income messages by mail or telephone ignore. Most of them are immoral, and often attempted Betrug.15 rules so you do not slip into the debt trap
Rule 11: Be careful in cases of serious illness, high debt exposure wg. Income losses due to sickness. Often also threatens even notice. Without savings threatens Absturz.15 rules so you do not slip into the debt trap
Rule 12: Be sure to insure against disability. The legal invalidity pension is usually very gering.15 rules so you do not slip into the debt trap
Rule 13: Costs drivers kill! say no to expensive luxury like coffee to go, gym, to go without, ringtone Abos.15 rules so you do not slip into the debt trap
Rule 14: Never guarantee or take credit for other 15 rules, so you do not slip into the debt trap!
Rule 15: Never rent arrears, after a month behind and threatened eviction notice!
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More about
These celebrities were in the private insolvency
Singer Matthias Reim (53): a 13 million debt due to wrong investment, debt-free since last year.
These celebrities were in the private insolvency
Singer Matthias Reim (53): a 13 million debt due to wrong investment, since last year went schuldenfrei.Diese Celebrities in the private insolvency
Athlete Katrin Krabbe (41): Income tax is not, 100 000 a tax liabilities - Method luft.Diese celebrities went to the private insolvency
Actress Katy Karrenbauer (48): False invested in an event hall, 400 000 a offen.Diese celebrities went to the private insolvency
Singer Gunter Gabriel (68): 1 million euros of debt through tax savings - since 2009 free of debt.
Photo: DAPD
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Guides
For AusdruckenIhr Haushaltsbuch2011
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Debt-increasing number of young German barometer broke
How to become debt-free, without always welcome new loans
individuals can register personal bankruptcy, are freed usually after seven hard years of the outstanding liability.
What should I do
go to debt counseling . It applies in addition to consumer centers, notaries, tax consultants and some lawyers as a "recognized body", which must first conduct an out of court settlement attempt in the paths. If this fails, bankruptcy may be filed with the district court.
Do I get an immediate appointment
No, it can take weeks or, in extreme cases take up to six months.
What I need to bring
cashing, income, assets, debts, creditors, etc. note attachments, supporting documents with you.
How does it go on
The court starts a debt settlement process - the over-indebted living at subsistence pay back, as much as he can. Six years after the opening of the procedure, all remaining debt to be adopted. At this time no new debts are incurred. Fines or other monetary penalties ("tort claims") must be paid directly, or face jail
If the remaining debts subject to conditions
Yes! Among other things, the debtor must have acted in good faith (no capital waste, no misrepresentation, no offense). He must not accumulate "dishonest" debt (for example maintenance arrears, new loans). He must also "appropriate" work or aspire to reasonable activities.
What obligations do I have to
The administrator must be notified of any change in income and any change of residence will be.
How much money remains for me to life itself
Depends on monthly income and number of dependents (see table).
May I keep my car
only when it is needed to pursue the job.
What if it's a BMW 5 Series is
applies on luxury to be replaced. The administrator decides whether a car must be sold
What is with TV, stereo, cell phone
Similar to the car. Luxuries such as giant plasma TV or iPhone is utilized must taken by the bailiff or . to be replaced. Simple equipment is okay. In particular, TVs and radios are considered a necessary household item, are not subject to seizure if they are the only sources of information.
Is the cost of insolvency money
Reputable Debt counseling is usually free of charge, a list of contact points for non-profit is seeking advice on the Internet at www.my-schulden.de.
The procedure itself costs from 1500 to 2500 a, which can be drred initially, when there is no seizing more income.
What is a "P-account"
Each checking account owner has the right to his account in a protective order account (P-account) convert the social benefits and income for one month protects against unreasonable seizure account. But it must be only one P-account per person
Where can I get more help
a The brochure. "Get rid of debt - Where can I get help" (52 pages) of the Federal Consumer Protection Ministry can the Order Service of the Federal Government be obtained 01805/77 80 90.
a Addresses of debt advisory in Germany, is a dictionary and an attachment debt calculator, visit www.forum-schuldnerberatung.de
a Free online advice for borrowers, there are also www.beratung -caritas.de
Expert advice. Wahrmann Peter, Caritas Berlin; guide "What to do with my debt" of the Federal Association of Debt
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