{"id":16144,"date":"2023-04-27T21:40:10","date_gmt":"2023-04-27T19:40:10","guid":{"rendered":"https:\/\/konto-kredit-vergleich.de\/?p=16144"},"modified":"2023-08-15T07:56:31","modified_gmt":"2023-08-15T05:56:31","slug":"p-konto-austricksen","status":"publish","type":"post","link":"https:\/\/konto-kredit-vergleich.de\/en\/p-account-trick\/","title":{"rendered":"Outsmart P-Konto: 9 ingenious tricks"},"content":{"rendered":"

If you receive (unforeseen) cash receipts on the P-Konto, these payments will count against the allowance and the question may arise as to what to do now, or how to make the P-Konto trick<\/a> can, to sharpen the formulation a bit.<\/p>\n\n\n\n

Finally, there are some tricks how you can maximize the amount of money available on the P-Konto. We have found 7 tricks to trick the P-Konto. We will present them to you in this article. <\/p>\n\n\n\n

Tricking P-Konto with the intent to deprive creditors of their money is thwarting and thus not legal. However, no one can tell you to keep working the same hours if you have to pay most of your wages to the creditors.<\/strong>. <\/p>\n\n\n\n

You should also check whether you can increase the P-Konto allowance and how long an existing P-Konto certificate will last. Furthermore, it is recommended to withdraw funds below the P-Konto allowance at the end of the month and to build up a cash reserve. With these tricks, tricking the P-Konto is also possible in a legal way. <\/p>\n\n\n\n

In this post, we'll introduce you to the following tricks that you can use to trick the P-Konto. These are summarized below:<\/p>\n\n\n\n

P-Konto trick through:<\/th>Our legal assessment<\/th><\/tr><\/thead>
Withdraw unused balance from the allowance<\/a><\/td>legal<\/td><\/tr>
Have wages paid out in cash or redirected to a credit-free account at another bank<\/a><\/td>at least legal gray area<\/td><\/tr>
Secondary account or cash reserve for non-essential expenses<\/a><\/td>at least legal gray area<\/td><\/tr>
increase allowance<\/a><\/td>legal<\/td><\/tr>
Reduce revenues and work less<\/a><\/td>legal<\/td><\/tr>
Renew certificate<\/a><\/td>legal<\/td><\/tr>
Reject double garnishment with application<\/a><\/td>legal<\/td><\/tr>
Check own errors<\/a><\/td>legal<\/td><\/tr>
Debt relief<\/a><\/td>legal<\/td><\/tr><\/tbody><\/table>
Outsmart P-Konto: 9 ways at a glance<\/figcaption><\/figure>\n\n\n\n

Whether you can morally justify tricking the P-Konto and thereby withholding money from creditors is something you should consider for yourself. In addition, you should make sure that you do not commit a crime when tricking the P-Konto.<\/p>\n\n\n\n

Outsmart P-Konto Trick 1: Withdraw unused credit from the allowance.<\/h2>\n\n\n\n
\"Withdraw<\/figure>\n\n\n\n

Problem<\/strong>Unused money on the P-Konto can only be carried over to the following month a maximum of three times. This also applies to balances below the garnishment allowance. If you transfer the money to the fourth month, the bank will garnish it, even though it is a protected balance. The following chart illustrates how there is an outflow of money on the P-Konto in the fourth month. We assume that you earn 1,100 euros. This means that your income is below the allowance<\/a>. For the unforeseen, set aside \u20ac50 every month.<\/p>\n\n\n

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\"Carry<\/figure>\n<\/div>\n\n\n

P-Konto trick: <\/strong>Therefore the first trick to trick the P-Konto is withdraw unused credit on the P-Konto<\/strong>. This way it is no longer available in the account and under your control. By withdrawing unspent money you avoid that:<\/p>\n\n\n\n

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  1. Unused credit below the exemption limit is transferred more than 3 times and then flows out to creditors, and<\/li>\n\n\n\n
  2. Errors on the part of the bank in the correct (and complicated) application of the cash carryover to the following month according to FIFO happen<\/li>\n<\/ol>\n\n\n\n

    This \"trick\" allows you to better use the tax-free amount and get your money on the P-Konto. However, you should not withdraw too much money from the P-Konto, otherwise you will not be able to make cashless payments (e.g. rent, gas, electricity) and will get into payment difficulties (because the tax-free amount is already exhausted).<\/p>\n\n\n\n

    Make sure that you have taken into account all payments for the allowance before withdrawing the money. Otherwise, you may run into payment difficulties because the allowance has already been exhausted by withdrawing the money early.<\/p>\n\n\n\n

    Outsmart P-Konto Trick 2: Have wages paid out in cash or redirect them to a credit-free account at another bank<\/h2>\n\n\n\n

    Another trick, is to take a portion of your monthly salary cash out<\/strong>. This means that the money is not counted towards the tax-free amount if there is an account garnishment. However, this trick falls legally at least into a gray area.<\/p>\n\n\n\n

    Is it a criminal offense to avoid an account garnishment?<\/h3>\n\n\n\n
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    Is it a criminal offense to avoid an account garnishment?<\/h3>\n\n\n\n

    If the trick is used to slip money past creditors, that \"trick\" is no longer in the legal realm.<\/p>\n\n\n\n

    Legally, this would be a thwarting, which according to \u00a7288 StGB <\/a>is punishable by law. However, this depends on the individual case. Conversely, a seizure of an account does not result in the obligation to transfer all money to the seized account. A cash payment of wages is therefore not illegal per se. <\/p>\n<\/div>\n\n\n\n

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    \"info\"
    Bypass account garnishment punishable? - Often yes!<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n
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    <\/p>\n<\/div>\n<\/div>\n\n\n\n

    Here are some more clues as to when it might be a case of thwarting:<\/p>\n\n\n\n

    When is there a threat of thwarting the transfer of money to a second account<\/h4>\n\n\n\n