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S c h u l d e n – eine Geisel auf Lebenszeit?
Jeden von uns kann es treffen. Ein finanzieller Absturz und keine Chance, dort jemals wieder herauszukommen. Uns dürfte allen bekannt sein, dass eine Schuldsumme für einen Zeitraum von 30 Jahren ihre Valid and therefore enforceable. Few know that this can extend to 30 years, "indefinitely". Often the debtor by the action of the Holder is no longer legally competent, because his accounts were seized at the bank and his salary. An endless cycle begins. Banks refuse further cooperation by the immediate account termination and the work is in the worst case lost because of the enormous workload of the wage / salary garnishments. Other banks in turn reject usually arise with "those people" from opening a current account and only the "least" employer after learning of the debt burden to that a real chance at a new re-entry!
Here is usually the debtor by the highest standards of living of its limitations no real chance. The smallest, no matter how painful monthly payment is applied, blotted out in the end only the accumulating interest.
is now well known that a total debt-barred after 30 years. Error! The creditor must obtain in the "first line" 30 years to have a reminder and enforcement notice at his court the appropriate authority to make a title and his claim. Only "then," after Eingang dieses Bescheides bei dem Schuldner, beginnt der eigentliche Verjährungszeitraum.
Beispiel: Hat ein Schuldner eine Schuldsumme aus dem Jahre 1980, so wäre, wie irrtümlicher Weise allgemein angenommen, die Summe nach 30 Jahren, also im Jahr 2010 „verjährt!“ Wenn der Gläubiger aber erst für diese Summe im Jahre „1995“ einen Mahn-Vollstreckungsbescheid beantragt hat, fängt die Verjährungsfrist auch erst in diesem Jahre an. (Ein „rückwirkender“ Zinsanspruch besteht aber nicht!) Die Schulden wären somit erst im Jahr 2035 verjährt. Für den Gläubiger selbst wäre seine Tilgungsfrist mit Zins- und Zinseszinsen von 30 extended to 55 years and is also usually by the creditor or his agent, usually pushed through by debt collection services! And then add: If this time period, which is quite common, with an enforcement by the bailiff or subpoena in court for making a statutory declaration "interrupted" to be is this the end of the limitation period again, "added"
Now you can say yes, you still have the possibility of personal bankruptcy. Right! But even here there are clauses that allow "not any" remove these items can claim. As I said, for many people: "A never-ending vicious circle!"
I wanted this issue only once to briefly to clarify what the difference is between a bank manager who drove his cart into the mud and million will be compensated for it, a murderer whose atonement at most after 25-year-old "lifelong" detention is settled and a average consumer that is more or less even, "financially" in his life tough!
