6 articles
How German debt collection works: registration under the RDG, what an Inkasso agency can actually charge, why it has no enforcement power of its own, and disputing a claim.
How wage garnishment works under § 850c ZPO: the protected minimum from 1 July 2026, the P-Konto, priority among creditors, and the harsher maintenance rules under § 850d ZPO.
How the German Mahnverfahren works: the two week Widerspruch deadline on a Mahnbescheid, the Vollstreckungsbescheid that follows if you do nothing, and its thirty year enforceability.
How German personal insolvency works: the mandatory out of court settlement attempt, the three year Abtretungsfrist under § 287 InsO, when discharge can be refused, and which debts survive it.
How to get a free SCHUFA Datenkopie under Art. 15 DSGVO, correct a genuinely wrong entry, and what the 2025 BGH ruling and the six month insolvency rule actually mean for deletion.
German debt law explained: why a creditor needs a court title before taking anything, the Mahnverfahren, wage garnishment limits, SCHUFA deletion, and the three year path out of debt.