Private insolvency file refusal residual debt?

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Expert

Klempo77

Forum posts: 1.338 Member since: 01.01.2019

27th Feb. 2020, at 02:18 pm CET#21

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upola wrote on 27.02.2020 at 09:03: My brother has a private insolvency hiner sich.
He was left with 950 euros and not 1500.

Depends on when he was done with insolvency. You should always keep an eye on Pfändungsfreibeträg tabele.

For example 1.178,59€ with p-account, plus a certain amount if you are also dependent.

So if one pays zb. maintenance for a child, one comes on about 1600€.

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Expert

wettibernd

Forum posts: 1.367 Member since: 07.10.2017

Private insolvency file refusal residual debt?

27th Feb. 2020, at 02:45 pm CET#22

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Klempo77 wrote on 27.02.2020 at 14:18
Depends on when he was done with insolvency. One should always keep Pfändungsfreibeträg tabele in mind.

Zz. Sind es zb. 1.178,59€ mit p-Konto, plus ein bestimmtes Betrag falls man auch unterhaltspflichtig ist.

So if one pays zb. maintenance for a child, one comes on about 1600€.

This is pretty accurate, a friend of mine is currently in bankruptcy, which remains about 1200 €. If you now have high travel costs to the workplace or have to stay overnight away then this garnishment allowance increases accordingly

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Expert

Klempo77

Forum posts: 1.338 Member since: 01.01.2019

Private insolvency file refusal residual debt?

27th Feb. 2020, at 03:15 pm CET#23

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wettibernd wrote on 27.02.2020 at 14:45
That comes pretty much, a friend of mine is just in insolvency, which remains about 1200€. If you now have high travel costs to the workplace or have to stay overnight away then this garnishment allowance increases accordingly.

Yes, that's right. There's aufjedenfall still room for maneuver
Sum what I mentioned, is so to speak, basic amount

Oh yes, if there are really possibilities that it becomes more, necessarily a request for increase at the bank, otherwise it remains with the basic amount

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gamble1

Forum moderatorverified

Forum posts: 6.415 Member since: 21.04.2019

Private insolvency file refusal residual debt?

28th Feb. 2020, at 10:02 am CET#24

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Mammon wrote on 11.02.2020 at 20:39
That is one of the worst things you can do, thinking you have time. You just don't!

He calculates with 11000€ insolvency costs. He says he has many creditors.

Let's assume 20 creditors. Each of them sends a letter. Every day a letter arrives. Sometime after the 15 letter he is annoyed and puts the mail unopened aside. Thus he loses the overview and the time is over in no time.

Then the first ones start to garnish the account, which he only notices when he doesn't get any money at the ATM because he doesn't open the mail and zack he can't serve anything anymore. In no time the bailiff is there, then the second and so on.

If he has debts to the state, they will declare him insolvent as soon as no more money comes in...

So to believe: One should also add that you have enough time to react ...... is an absuluter IRRglaube.

Of course, the point with time sets a certain cooperation in the room that should be considered by the TE also

No one is happy when someone goes bankrupt because all are afraid not to get their money

I have in the past once even when I was totally broke and debts of 3,600 € and 6-7k elsewhere still had to pay managed to negotiate with a creditor 10 € rate per month because it was preferable to them than the insolvency

Insolvency want to avert all and then you also have time if you do not make the mistake and let everything just run

Of course, many letters come but you must not forget mostly these come because you yourself has made shit

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Top Member

Katharina2

Forum posts: 841 Member since: 08.07.2019

Private insolvency file refusal residual debt?

28th Feb. 2020, at 04:28 pm CET#25

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Massakaplayer wrote on 02.02.2020 at 22:04: Hello dear community,

PS: Don't play games, they destroy your life. Rather treat yourself to a girlfriend or do more with friends or or as soon as you get addicted to games it only goes downhill!

MFG your ex Massakaplayer

That's terrible.... I'm sorry for you and yes, from this industry one can only advise
advise everyone against. It is neither serious nor fair

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Visitor

Massakaplayer

Topic Creator

Forum posts: 15 Member since: 01.01.2019

Private insolvency file refusal residual debt?

1st Mar. 2020, at 07:40 pm CET#26

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Hello dear forum,

i think P-Konto and private insolvency is seized differently. In the P-Konto remain just under 1170€ or so above everything else above that is garnished. In the private insolvency applies the garnishment table and according to the:

With a net salary of 2,200 - 2,209.99 € is garnished 714.99 of it with 0 dependent persons.

2.200,00

2,209.99

714.99

You are welcome to have a look for yourself:
https://www.schuldnerberatung-diskret.de/pfaendungstabelle
https://anwalt-kg.de/privatinsolvenz-recht/privatinsolvenz/aktuelle-pfaendungstabelle-und-pfaendungsfreigrenzen/
https://www.schuldnerberatung.de/pfaendungstabelle/

So in the private insolvency actually more remains over one than only with the P account. I will see what my creditors contribute when I tell them after the conversation at the Debt counseling that I will possibly go into insolvency. I just do not think that I will have the luck with the creditors with whom I owe 8000 € to agree on 10 €. Maybe I can still negotiate since I am still a student and should be finished soon. Let's see as I said I'll keep you up to date...

Thank you Katharina for your sympathy. Of course I am annoyed myself about my behavior and on the other hand I was extremely addicted. The problem will not be solved if I now feel inferior because of it. There are also many other awesome stories with gambling and millionaires who went bankrupt or very educated people, etc.. This can really hit everyone hard this addiction. Since it has now brought me into such an emergency situation, I have really given up gambling and I'm already doing better in that I do not constantly feel like shit when the money is gambled away and I have to worry about how to survive the next few days. Being out of the vicious circle is a kind of liberation. Now I have to bear the consequences and have learned for life!

Love greetings

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Visitor

TinaTina

Forum posts: 16 Member since: 15.01.2019

Private insolvency file refusal residual debt?

9th May. 2021, at 05:32 pm CEST#27

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Hello 🙋🏼♀️
I would be interested to know what happened next here. Or if anyone is in a similar situation. I have found myself in a hopeless situation due to my gambling and have a lawyer appointment at the end of the month for personal bankruptcy.
I am now also wondering if there can be a residual Debt discharge despite credit and credit card debts that were clearly incurred by gambling.
I first used my pension, a savings contract and a gift from my parents to pay off loans and bring cards to 0, but then bit by bit gambled everything away again and also took out the paid off loans again. A loan ran parallel all the time and also my car financing
But I have also read that Gambling addiction would not be a reason to deny residual debt discharge. 🤷🏼♀️
LG

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Experienced

Cheeseburger

Forum posts: 479 Member since: 13.09.2019

Private insolvency file refusal residual debt?

9th May. 2021, at 07:35 pm CEST#28

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TinaTina wrote on 09.05.2021 at 17:32: Hello 🙋🏼♀️
I would be interested to know what happened next here. Or if anyone is in a similar situation. I have found myself in a hopeless situation due to my gambling and have a lawyer appointment at the end of the month for personal bankruptcy.
I am now also wondering if there can be a residual Debt discharge despite credit and credit card debts that were clearly incurred by gambling.
I first used my pension, a savings contract and a gift from my parents to pay off loans and bring cards to 0, but then bit by bit gambled it all away again and also took out the paid off loans again. A loan ran parallel all the time and also my car financing
But I have also read that Gambling addiction would not be a reason to deny residual debt discharge. 🤷🏼♀️
LG

Is it allowed to know how much your pension is ?
And whether you have any other valuable things that could possibly be seized.

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B****3

verified

Forum posts: 2.680 Member has been banned

Private insolvency file refusal residual debt?

9th May. 2021, at 07:50 pm CEST#29

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TinaTina wrote on 09.05.2021 at 17:32: Hello 🙋🏼♀️
I would be interested to know what happened next here. Or if anyone is in a similar situation. I have found myself in a hopeless situation due to my gambling and have a lawyer appointment at the end of the month for personal bankruptcy.
I am now also wondering if there can be a residual Debt discharge despite credit and credit card debts that were clearly incurred by gambling.
I first used my pension, a savings contract and a gift from my parents to pay off loans and bring cards to 0, but then bit by bit gambled everything away again and also took out the paid off loans again. A loan ran parallel all the time and also my car financing
But I have also read that Gambling addiction would not be a reason to deny residual debt discharge. 🤷🏼♀️
LG

Purely theoretically, you could be denied insolvency, the other way around must first be found a creditor who has knowledge of it or gets
And then the question is worth it at all?

Not even a lawyer will be able to give you a clear answer to this question

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Visitor

Massakaplayer

Topic Creator

Forum posts: 15 Member since: 01.01.2019

Private insolvency file refusal residual debt?

24th Dec. 2022, at 06:19 am CET#30

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Hello all,

i'll give you an update after the very long time what happened with my case and how to proceed now

My goal was always to keep my financial situation secret from friends and family, the addiction has put me in an extremely difficult position and one is so ashamed of it, does not want to admit it and hide everything. Until it came to the point that I could not hide my strange behavior from my parents. They noticed it, friends noticed it, I was under so much pressure over a long period of time that it makes you unhappy to die.

When my parents found out, they reacted in a completely different way than I would have expected. They agreed to pay for a very large portion to help me out of the black hole I had long since fallen into. In numbers, my parents lent me about 50%. I am very grateful for it, it is a privilege to have such parents

Concerning the remaining Debt, I can mention that according to my understanding at that time, the private insolvency would not have helped me. Therefore I had tried to win time by describing my financial situation to some creditors. My house bank actually went along with it and deducted small installments from me. Most of the creditors wanted the whole money directly, including a reminder, threat of a bailiff, etc. I had to pay them back. If my parents had not stood up for me, things would have gone very badly for me

Unfortunately, I have to admit that there were some relapses and whether it might not happen again in the future is uncertain. Gambling addiction is by no means to be underestimated a very hard drug. Fortunately, when it came to relapse I never played beyond my means, I mean amounts around 200€ maximum. You probably think he's out of his mind, rightly so, and what I have to admit to myself is faith. I don't believe in never gambling again, but in never gambling away what I can. Honestly, I'm even proud of it, especially since my income is now quite good and I no longer build a shit like before

With the consequences and Schufa entries I live now for years and the next few years, with debt but controllable rates. Of course, I do not get my own apartment and live in shared apartments. Otherwise, I can not complain forecast it goes uphill. Debts will continue to be paid and after 5 years at the latest, everything should be in the green financially. No more debts, no Schufa entries, some money aside and good.

From the fast money and other dreams I see off, I will never again loans conclude even if financing could be worthwhile I will not do. The most desirable thing for me is freedom in life, nothing is more precious. The freedom I will still have to fight for then I'm so happy, is enough for me to have no dependencies do not need a dream house, luxury car, jewelry, etc..

You know, when you fall so low in life, you appreciate many things that you took for granted before. I am glad to have taken at least these insights with me and look forward optimistically

If anyone from the forum would like to talk feel free to leave me a PM, we can exchange ideas. Wish you all only the best dear community.

Greetings your Massakaplayer

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Coping, therapiers, tips... : Private insolvency file refusal residual debt? (Page 3)

Private insolvency file refusal residual debt?

Private insolvency file refusal residual debt?

Private insolvency file refusal residual debt?

Private insolvency file refusal residual debt?

Private insolvency file refusal residual debt?

Private insolvency file refusal residual debt?

Private insolvency file refusal residual debt?

Private insolvency file refusal residual debt?

Private insolvency file refusal residual debt?

Private insolvency file refusal residual debt?

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