Schritt-für-Schritt-Anleitung: P-Konto benötigt? So richten Sie es ein
Ein Pfändungsschutzkonto hilft Überschuldeten dabei, zumindest ihr gesetzlich verankertes Existenzminimum zu sichern. Nur: Wie richtet man es als Betroffener ein? Diese Anleitung hilft.
If you need a P-account, follow these steps to protect your unsecured monthly necessities like housing, food, and clothing. First, dissolve joint accounts if you're married or in a partnership. Each person should have their own account to avoid affecting one another during a creditor's seizure. Next, request the conversion of your regular account into a P-account, which can be done online, over the phone, or in person at the bank.
The bank must convert the account within four business days. Glueverdi cannot access your P-account, but if they do, you'll have four weeks to convert it before they forfeit the seized funds to the creditor. The P-account should be established without incurring any additional costs. The basic protection amount is €1,590 per month, but for individuals earning above this amount, the protection can be increased.
If your income fluctuates, request extra protection by filing an application with the appropriate court. Finally, you can save unused protection money for up to three months, using the First-In-First-Out principle to ensure older funds are spent first.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
