Is my income (Alg2) collateralizable?
Hello,
If not, what should I do? Should I request a deferral?
-Write to creditors, but how?
-Phone call or email?
I guess I should provide the registration number, booking reference, insurance number, etc. and text openly and honestly?
Should I write that I want to, must or am stopping payments?
Do I need to threaten to get a lawyer or establish a basic level of relationship first?
Should I write that I have informed myself through websites and show this information?
Is there a sample letter whose name I don't know, but someone of you knows?
Sorry, I don't have a clue yet, but I want to handle my own affairs in the future and urgently need your advice. My legal guardian has been in charge of this, but now I want to manage everything without her help.
I have tons of questions 😖
Getting the first three questions answered here would be enough.
Thank you in advance.
(1 votes)
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You need to convert your current account at your bank into a P account in a timely manner and then you have an invalid free amount of currently 1.340 euros. And then you can either apply for private insolvency, or agree with your creditor a rate payment, which cannot prescribe how high the monthly amount must be, but you will notify him in a letter how much you are willing to pay. I write this for the case that you have several creditors and would you use all of them with a monthly €50, nothing left for your living.
https://bankenverband.de/blog/p-konto-erhoehung-grundfreigeld-bei-pfaung/
https://bankenverband.de/blog/p-konto-erhoehung-grundfreigeld-bei-pfaung/
First of all, the attachment-free table applies.
If there are dependent children, the amount at the 1st child increases by about 470,–€.
This should be done by every H4 set.
This results in the issuance of an affidavital insurance against the creditor or the court officer.
Is there anything to do with this? So in the foreseeable future, you are in reward and bread?
Do you own a P account (available at Sparkassen)?
Yeah, finding work is in work, I don’t own a P account yet
The amount is already 1.340,00€.
ALG 2 is in principle not practicable. Apart from that, I don’t understand a word of your speech.
https://www.konsumerzentrale.de/wissen/geld-versicherungen/kredit-bt-insolvenz/das-pkonto-als-Vor-kontopfaendung-5944
Create P account.
Register private insolvency in court.