P-account certificate: set up your P-account & protect your credit

Account garnished? We help you!

With a created P-account certificate, you can increase the allowance on your P-account after the account has been garnished by your creditors, so that you will soon regain control of your own assets.

Calculate and increase your allowance

This is how we support you with SIC for P account certification

nationwide

We offer you nationwide the creation of a P-account certificate.


In addition to social service providers such as the job center and family benefits office, which are obliged to issue you with these certificates, this is also possible with us.


We, as a debt counseling center, are a suitable contact person.

Credit balance

Subsistence benefits. Certain one-time special benefits such as the cost of a school trip, the initial equipment for the apartment, clothing or expenses for the birth of a child cannot be attached. If you do not use up all of the protected monthly credit, it can be used up to the end of the next month. In the month after next, however, this is no longer possible.

Experience

Over 14 years of experience in the field of garnishment protection account management & calculation of allowances. An experienced lawyer and specialist lawyer for insolvency law is at our side.


During this time we have been able to support a large number of satisfied clients with the P account certificate.

Costs: The P-account certificate costs €80 and must be paid in advance.

Calculate and increase the P-Konto allowance now

Calculate your personal P account allowance and receive a nationwide certificate to increase it.


The following initial situations in which you should take action today:

    As a debtor: As a debtor, you protect a fixed amount from seizureIn the event of insolvency: In insolvency proceedings, you must actively set up the P account in order to have the tax-free allowance calculated for the persons responsible for maintenanceIn the case of social benefits: people who receive social benefits (e.g. ALG or Hartz IV) can use the P account allowance for themselves Self-employed: Self-employed people with private bankruptcy can use a P account to protect their income and to be able to pay bills.


Increase your allowance now

How high is the statutory basic allowance for 2024 / 2025

The basic allowance for a P account is currently EUR 1,340.00 per calendar month.

In the new garnishment table for 2024/2025, the monthly garnishment-free amount was increased to EUR 1,409,99 Euro according to §§ 899 ZPO paragraph 1 in conjunction with §§ 850c paragraph 1 in conjunction with paragraph 4 ZPO.

Since 01. July 2024 is the garnishment free amount 2050,00 €. This is about 90 Euro more than before. Since The amount that cannot be seized increases with the number of people you have to pay maintenance for.

Sometimes debtors are entitled to additional amounts of money protected by law that go beyond the basic allowance mentioned. In these cases, the allowance for the P account can be further increased with the help of a P account certificate.

§ 902 Nr. 1 bis 6 ZPO regulates the cases in which an increase in the tax-free amount can be certified.


Cases for further increase of the basic allowance of the P account:

➜ In the case of statutory maintenance obligations for up to 5 people

➜ Receipt of social benefits according to SGB II, SGB XII or the AsylbLG

➜ Payments intended to compensate for the additional expenses due to bodily injury or damage to health (§ 54 SGB I)

➜ Cash benefits from the “Mother and Child – protection of unborn life”

➜ Child benefit and other statutory cash benefits for children

➜ One-off social benefits

With a corresponding P-account certificate, you have more money at your disposal in the event of an account seizure.

Seizure exemption 2024 / 2025
Team von der Schuldner Insolvenz Beratung Großraum Stuttgart

Mein Team für Dich!

Have the P account allowance increased - in 3 steps

1. Calculate amount

Let's calculate the amount that can be used to increase your basic allowance. This amount, along with other relevant information, serves as the basis for the certificate.

2. Certificate

We will then create the P account certificate for you. You will receive this by post within 48 hours, which you can then present to your bank.

3. Bank

The increase amounts evidenced by a P-account certificate are not considered by law to be covered by the garnishment. Your bank must make these available after careful examination if they are authorised.

Calculate and increase the P-account allowance

In order to be able to carry out your request properly, please fill out the following form completely. Only with this information can we check how high the allowance can be. We will then get in touch with you promptly.

account owner

Cost information for ordering the P-account certificate,


We would like to draw your attention to the following: Due to increasing bureaucracy, we are forced to charge a fee for issuing the attachment protection certificate pursuant to § 903 para. 1 ZPO in accordance with §§ 902 and 904 ZPO. 


This amounts to:

  • For SIC members: 60 euros
  • For non-members: 80 euros

This amount is payable in advance and can simply be transferred to the bank details below:


Recipient: 

SIC Schuldner-Insolvenz-Centrum e.V.

IBAN: DE28 6115 0020 0103 1570 94

Amount: 80 Euro

Purpose: P-account certificate, your first name and surname


If you need the certificate urgently, you have the option of making an instant bank transfer or bringing the amount in cash in person to our head office in 70771 Leinfelden (please make an appointment in advance).


For appointments and queries, you can also contact us via WhatsApp at 015732478936.


Yours sincerely,

Your SIC Schuldner-Insolvenz-Centrum e.V.

What you need to know & consider about banks and the P account
 

Banks are only obliged to observe the basic allowance in the case of attachments. All individual increases in the garnishment exemption amount must be documented in accordance with Section 903 (1) ZPO in accordance with Sections 902 and 904 ZPO before the bank takes them into account.

 

As long as this is not available to the bank where you have the garnishment protection account (P account), only the basic exemption amount is considered non-garnishable. This means that the institute pays out to the creditors, you only have 1499,99 Euro left, although you would be entitled to a significantly higher non-attachable sum.


ALL necessary downloads & forms on the subject of insolvency can be found here: garnishment table, insolvency checklist, recording form, budget


Also read: How does an account seizure occur? Process and countermeasures in 2023

An account garnishment is the result of an enforcement action initiated by a creditor against a debtor.


>> A real nightmare for affected debtors:

The seizure is carried out by the competent bailiff and noted on the account concerned. Find out here what should be considered in the case of an account seizure.



>> Garnishment account: information

Read also: The withdrawal account & the importance for your P-Konto in an insolvency

If the amount of money paid into the debtor's account in a month exceeds the established allowance or the account holder does not use the entire sum, the money is initially transferred to a sub-account of the P account and is not immediately forwarded to the creditors. This sub-account is referred to as a (PSK) withdrawal account.

>> About the PSK payout account

Also read: Is a P-account reported to Schufa? Legal situation & justification

Financial obligations, such as overdrafts or outstanding invoices from mail order companies, can be reported to the Schufa.


The Schufa uses the stored data to provide information as to whether a person has met financial obligations on time in the past or whether there may have been payment difficulties. But is a P account also automatically reported?

>> P account = Schufa entry?
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