Was passiert mit zu viel Geld auf P-Konto? (P-Konto überschritten)

P-Konto überschritten: Was passiert mit zu viel Geld auf P-Konto?

Was passiert, wenn du zu viel Geld auf dem P-Konto hast? Welche Möglichkeiten verbleiben dir, damit du genügend Geld im Monat zur Verfügung hast? In diesem Artikel werden wir uns diesen Fragen im Detail widmen. Der Artikel lohnt sich, denn wenn du das P-Konto überschritten hast, gibt es einige Fälle, in denen du das Geld … Read more

P-Konto no payout despite credit: That's the reason

P-Konto no payout despite credit: This is the reason's

In the event of a garnishment, it is advisable that you open a Pfändungsschutzkonto to secure your existence. Alternatively, you can convert your existing account into a Pfändungsschutzkonto. Although P accounts promise protection of credit balances, it is sometimes not possible to make a withdrawal on the P-Konto despite having a credit balance. Often, you are legally entitled to the credit ... Read more

Double garnishment of account and wages: What to do?

Double garnishment account and wages

In the case of double garnishment of account and wages, there is a simultaneous garnishment of wages and account. The risk of double garnishment exists if the statutory garnishment allowance (according to the current garnishment table) is higher than the (static basic) allowance protected on the P-Konto. This is the case when the static P-Konto exemption limits between €1,340 (without maintenance obligations) and €2,956 (with 5 or more maintenance obligations) are exceeded ... Read more

Garnishment calculator 2022/2023: Garnishment exemption limit calculator

Garnishment calculator

With the garnishment calculator 20222/2023 you can easily determine how much wages can be garnished from your income in case of a wage garnishment. You can use the garnishment calculator 2022/2023 as a wage garnishment calculator in case of a wage garnishment or to calculate the P-Konto allowance in case of an account garnishment. You can find the differences between both garnishments in the section Account garnishment vs Wage garnishment. Alternatively, you can use the ... Read more

Garnishment table 2022/2023 with garnishment exemption limits

garnishment table

The following garnishment table 2022/2023 shows how much of your income can be garnished in the event of a wage garnishment. You can use the garnishment table 2022/2023 in case of a wage garnishment as well as in case of an account garnishment. The differences between the two garnishments can be found in the section Account garnishment vs. wage garnishment. Alternatively, you can use our garnishment calculator to calculate the garnishment amount. With ... Read more

P account allowance exceeded due to additional payment

P account allowance exceeded due to additional payment

If you receive an additional payment of social benefits or child benefits, the increased income in the month of the additional payment often leads to the protected exemption amount on the P-Konto being exceeded. This will cause the bank to disburse the back payment and you will no longer have access to the money. If you are expecting an additional payment, you must therefore act quickly and file a ... Read more

Credit agreement signed, nevertheless rejected

Credit agreement signed nevertheless rejected

Can it happen that a loan agreement has been signed and then still be rejected by the bank? In this article, we clarify some common misunderstandings between the loan application and the actual loan agreement. These misunderstandings always lead people to think that their loan agreement was still rejected despite being signed. In many cases, this is not the case, ... Read more

Debt Advice: A Lifeline for People in Financial Distress?

Debt counseling: An effective lifeline for people in financial distress

This page compares the results of four social science studies that examined the effectiveness of debt counseling. In order to assess whether debt counseling is a lifeline for people in financial distress, we compare the effectiveness of debt counseling in four dimensions. The effectiveness of debt counseling is measured in 4 dimensions: economic, financial effectiveness, psychosocial effectiveness, ... Read more

P-Konto Increase allowance - How long does it take?

P-Konto Increase allowance - How long does it take?

If you have a P-Konto, it is worth checking if you can increase the allowance. While by law the conversion of the account must be done within four business days, such a deadline does not exist for increasing the allowance. Therefore, many corrected rightly ask "How long does it take to increase the P-Konto allowance?". Normally, it is done ... Read more

Open an account against garnishment: Open a new account despite garnishment?

Hope: Yes you can open a new account despite garnishment

Did you get a seizure order? If the question "Can I open a new account despite the garnishment?" is going through your head, we might be able to make things easier for you. Because you can open a new account despite the garnishment and thus greatly accelerate your debt relief. However, there are a few things to consider when opening a garnishment protection account. In … Read more

P-account allowance exceeded: "How do I get my money?"

Cover P-Konto Allowance exceeded How do I get my money.

You have exceeded your allowance on the P account and are now asking yourself "How do I get my money?". The frustration with the outflow of money is understandable. Because if the incoming money on the P account is higher than the exempt amount, the money goes to the payout account. You will find out when the bank will pay out the money to the creditors... Read more

P account: 2 salary payments in one month (What happens now?)

Cover P-Konto 2 salary receipts in one month

If your employer pays your wages late, you will have 2 salary payments on your P account - in one month. You will probably exceed the monthly allowance. But what happens if the allowance is exceeded due to double receipt of payment? This is a special case of too much money on the P account, because it is actually about... Read more

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