Support and advice

Recognized debt counseling center pursuant to § 3 (1) Nds. AGInsO (Lower Saxony Insolvency Act)
in 31737 Rinteln and 31785 Hameln

Short-term appointments
within 5-7 business days!
We make it possible!

Debt pressure? Legal problems?

Simply scan the code and make an appointment for a non-binding initial consultation via WhatsApp!

Or simply call:

Rinteln location: 05751-9932480

Hameln location: 05151- 9969530

Our opening hours at the Rinteln location: Tel. 05751 - 993 24 80
Mon. - Fri. 9:00 a.m. - 6:00 p.m.
Mon–Fri in the evening, Saturday - By appointment!

Our opening hours at our Hamelin location: Tel. 05151 - 996 95 30
Appointments by arrangement only!
Simply call or send an email to info@sbz-schuldnerberatung.de

Are you satisfied with us and our service?

Then we look forward to receiving your evaluation, either

via the yellow pages or via the local or via Google.

Thank you very much!

You do not have to live in Lower Saxony to take advantage of our free consultation service.

Certificates

We will issue the necessary certificates at our debt counseling centers in Rinteln and Hamelin.

These include the seizure protection account certificate (P-account certificate) and the certificate of failure of the insolvency application.

Make an appointment

Your contact persons

Lawyer Heinz Krüger
Head of Debt Counseling

Stephanie Schütte
Management / Head of Processing Office

Attachment protection account certificate

The garnishment protection account (also often called a P-account) offers protection against account seizures in three stages:

Basic protection for balances up to €1,555.00
Prerequisite: Conversion request submitted by the account holder to their bank
Increased allowance with certificate for alimony / social or asylum seeker benefits, for other persons in the household / child benefit / some other benefits
Prerequisite: Presentation of a so-called P-account certificate by the account holder at their bank
Individually determined allowance with decision/noticefor higher income and special cases
Therefore, prerequisite: Application with supporting documents to enforcement court/enforcement authority

To convert a checking account into a garnishment-protected account (P-account), the account holder simply needs to submit a request to their bank. The P-account then protects a balance of €1,555 per calendar month from garnishment and offsetting. Additional amounts can also be released upon presentation of proof.

Incidentally, only in special cases is a court decision or, in the case of public creditors, a decision by the enforcing authority required.

In this way, earned income, pensions and social benefits are protected in the same way as, for example, financial support from third parties.

If your account is seized, you still have full access to the account up to the amount of your protected allowance and can make transfers, for example.

We will be happy to advise you! Simply make an appointment:

05751-9932480 or 05151-9969530

Certificate of failure of the attempt to reach an agreement

Certificate of failure of an out-of-court settlement attempt pursuant to section 305 InsO

Before an insolvency petition can be filed, we offer your creditors a settlement. If the settlement is accepted by your creditors, we will have reached an out-of-court settlement and you will not have to file for insolvency.

If your creditors refuse, we can confirm the failure of the attempt to reach an agreement in writing as a recognized debtor advisory service in accordance with Section 305 (1) No. 1 InsO. You will therefore receive the required certificate and thus the basis for your insolvency application directly from us.