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About Cdaniels

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  • Location Berlin
  • Nationality Irish
  1. Baliff Property Statement

    I have a question for anyone who’s submitted a property statement to a baliff. I find myself deep in debt, I earn minimum wage and was in a road accident, without third party insurance. I had to pay about €6000 in various fees, fines and lawyer costs and received a letter a year ago from the court asking for another 1800€, my lawyer told me to disregard it as it was no longer relevant, however I recently received a baliffs letter demanding payment and when I returned to my lawyer with it he admitted he had made a mistake and it has to be paid. I’m broke as hell from paying the previously mentioned costs in installments and he’s demanding monthly installments that would leave me with €20 to live on every month, and when I attempted to renegotiate the installments he said I could not, and that I could come to his office and submit a Property Statement. Does anyone know what this is and what happens afterwards? My German is currently B1 and any Schuldnerberatung I’ve emailed has said they can’t help me at my level, and I’m unable to find someone to come with me to the appointment. Will my debt be written off? Or will I face punishment? I would have no problem paying it if the payments could even be delayed a few months till I have cleared my other debts, but this is not an option according to the baliff. Any experiences or advice would be much appreciated!
  2. Wage Garnishment

    I would of course rather my employer not be aware of my struggling with debts. I’ve now been told that they can only take salary payments from after a certain amount of salary, roughly €1040 which you would keep and any funds beyond that would be paid to creditors. But as I do not have a P Konto yet I’m not sure how that plays into it.   All in all I’m hoping to receive this salary this month, hence the move to change accounts as it is imperative I make the court ordered payments, or a much more serious will arise. And then hopefully they will decide to respond to me and work out an installment plan. 
  3. Wage Garnishment

      Yes I purchased it the next day, a silly mistake to not have bought it and one I won’t be making again.    I understand they would notice, and have been attempting to contact them and get a discussion going around installment payments for a number of weeks but they are not engaging! So I just need this salary payment in order to buy myself another month in which to hopefully be able to work something out with them 
  4. Wage Garnishment

    Hello, I have a question regarding receiving salary while your account is seized due to unpaid debts.   last week my account was frozen due to unpaid debts, which I have been attempting to work out an installment plan for (€2300). I had already paid about €800 until I was involved in a bicycle crash, and had no liability insurance, as you can imagine the costs regarding lawyers, financial settlement and court fees added up and I, on essentially minimum wage, could not afford to keep up with the payments, the company then had my account seized and has refused to answer any correspondences.   I have a debt counseling appointment in January but my question finally is this. I also in addition to the frozen account have a Revolut Banking account, which is untouched by the freeze. If I was to ask my employer to pay my salary into this account, is it likely it would arrive? Or would my creditors know a salary was being paid to me and already have it seized aka have they just frozen that one account initially or is it likely they are waiting to take my wages from the source before it ever gets to my alternative account.    i have a number of months left in paying off the court fees and fine, and would be in serious trouble if I missed payments due to my wages never arriving due to garnishment.   thanks and sorry for the rambling post!   (I’m aware of the Sparkasse P Konto Option, however I will be returning home to my country for the Christmas holidays and would not be able to withdraw funds as I will not have received a card yet)