debt restructuring despite Schufa
Schufa regulation 2024 / 2025
- Debt restructuring despite Schufa: This is the best way to proceed!
- This is what is meant by debt restructuring
- IMPORTANT >> New loans should only be used as a last resort
- Another sensible alternative: the out-of-court settlement
- Can I get a debt consolidation loan with a negative Schufa rating?
- Refinancing offers both advantages and disadvantages
- Keeping an eye on the costs of debt restructuring
- How do I calculate the debt consolidation loan?
- Special features of real estate loans and construction financing
- fees for debt restructuring
- Prepayment decision with a debt restructuring connections
- How high can the debt consolidation loan be?
- How do I find a cheap debt consolidation loan?
- Which banks offer debt consolidation loans?
- Can you refinance your debts despite ongoing wage garnishment?
Debt restructuring despite Schufa: This is the best way to proceed!
Credit check: Despite a negative Schufa rating, debt restructuring is possible, but other factors such as regular income or existing collateral must be used to assess creditworthiness. Lenders must ensure that the debtor is able to repay the refinanced loan.
Look for specialized lenders: There are credit institutions and private lenders who specialize in borrowers with negative credit ratings. They often have experience with these cases and can offer more customized solutions if necessary.
Transparency and openness: When refinancing despite a Schufa entry , it is particularly important to be open and honest about your own financial situation. If you conceal important aspects, this can damage the lender's trust and reduce the chances of refinancing.
Advice and support: Since refinancing despite Schufa is often complex, it is often helpful to seek professional support . A debt counselor or an experienced financial advisor can offer valuable help in finding suitable lenders and drawing up a viable repayment plan.
Risks and costs: It is important to remember that refinancing despite Schufa often involves higher interest rates and costs. Therefore, you should check carefully whether refinancing in this situation actually leads to financial relief and whether the additional costs are bearable.
This is what is meant by debt restructuring:
Debt restructuring involves paying off existing loans. It is a process in which one or more existing loans are replaced by a new loan. The new loan is used to pay off the old debts. The debtor then only has to pay back the monthly installments of the new loan.
This can be difficult, as many credit institutions are hesitant to grant a loan if you have a negative Schufa entry . However, there are specialized lenders and certain programs that can help such people to refinance their debts.
A common reason for planning to refinance is that the new loan offers more favorable conditions , such as lower interest rates or a longer term that reduces the monthly payment. Refinancing can also be used to simplify finances by combining several loans into one.
Always keep in mind that additional fees may apply when you change your loan , which of course must be taken into account in the overall assessment.
IMPORTANT: New loans should only be used as a last resort
Here is the explanation in detail: "That's why a new loan is rarely the right solution"
If you have already dealt with the topic of credit, You will regularly receive advertisements and ads on the Internet about the topic of "cheap loans". Newsletters also give the impression of cheap loans from online providers and comparison portals. It is not easy to resist this temptation, even if there are often better solutions.
You are lured by the idea that you could get a cheap loan to refinance your debts, with low interest rates and small monthly installments. You probably know yourself that money is not lent cheaply and that loans are therefore always a risk
"Cheap" loans for a "quick" debt restructuring? Usually "too good" to be true.
If an offer sounds attractive, you should be cautious. Debt consolidation means that you take out a new loan to pay off old debts. Normally, you should pay less interest on the new loan and therefore have lower monthly payments overall.
Especially if you are heavily in debt, you probably already have problems with your creditworthiness and negative entries in your SCHUFA. In this case, it will be difficult to get a loan, and if you do, it will be expensive. Always pay close attention to the effective annual interest rate and don't forget the fees for repaying old loans.
Debt consolidation does not stop your current debt spiral. Quite the opposite. It often means taking on new debt to pay off old debt, and the real problem is only postponed and often made worse.
If you take out a debt consolidation loan from a dubious financial institution, the situation can worsen dramatically. These dubious companies are often based abroad and are difficult to prosecute, especially if they charge usurious interest rates. In addition, such lenders are not exactly known for their flexibility or willingness to compromise.
There are some risks and disadvantages of taking out additional loans for heavily indebted individuals.
The risk of falling into the hands of dubious lenders is high. In addition, the new loan will be recorded in your Schufa, SCHUFA-free loans are expensive and reputable banks will probably turn you down and recommend that you fundamentally improve your financial situation.
If you cannot repay the debt consolidation loan, your debts will only increase. In some cases, your only option is personal bankruptcy. Often, bankruptcy is the right way to get out of debt completely after three years. Please seek advice from us or another reputable agency and check all alternative options in advance.
Debt restructuring is not an easy solution and involves many risks. It is important to think carefully and, if necessary, seek professional advice before embarking on it.
Another sensible alternative: the out-of-court settlement
You should generally refrain from traditional debt restructuring , as you already have debts and another loan will not provide you with any real relief in the long term. It is certainly laudable to want to solve financial problems on your own. But at some point you reach a point where you should consider professional debt counseling .
The best, easiest and usually quickest way to a debt-free life is often to settle your debts out of court. And this challenge is best tackled together with experts. They know what they are doing, are much more experienced in negotiating with creditors and will try to achieve the ideal result you want.
With an out-of-court debt settlement, you can come to an agreement with your creditors to pay off your debts in a way that is realistic for you, without going to court. This may mean getting lower payments or a partial debt waiver to improve your financial situation.
If a creditor settlement cannot be reached for any reason, the path to private insolvency is a last sensible alternative . Although you have to live with restrictions for a certain period of time, you can also look forward to a new financial start!
Before making a decision, it is advisable to seek professional financial advice and weigh up all the pros and cons of the various options. A financial advisor or debt counselling service can help you find the best solution for your individual situation.
If a loan is necessary: Can I get a debt consolidation loan with a negative Schufa rating?
A negative Schufa can affect the chances of refinancing , as many traditional banks and lenders are hesitant to grant a loan if you have a negative Schufa entry. The reason for this is that a negative Schufa is often seen as a sign of a higher credit risk.
However, there are lenders who specialize in loans for people with a negative Schufa rating . These lenders take into account other aspects of your financial situation, such as your income and employment situation, and not just your Schufa rating. Therefore, it may be possible to get a debt consolidation loan despite a negative Schufa rating .
However, it is important to note that loans for people with negative credit scores can often have higher interest rates and stricter terms and conditions . In addition, these loans may also include other fees and costs. Therefore, it is important to carefully consider all aspects of the loan and make sure that the monthly installments are affordable before taking out such a loan.
If you are considering debt consolidation and have a negative credit rating , it may be helpful to seek advice from a financial advisor or debt counselor. They can help you understand your options and find the best solution for your specific situation.
Refinancing offers both advantages and disadvantages
Five advantages of debt restructuring:
- Lower interest rates: A major benefit of refinancing is that you may be able to get lower interest rates. If interest rates have dropped or if your credit score has improved since you took out the original loan, a refinancing loan may be available on more favorable terms.
- Debt consolidation: If you have multiple loans, debt consolidation can consolidate them into a single loan. This makes managing your debt easier and you only have to pay one monthly payment instead of having to remember different payment dates and amounts.
- Reduction of monthly payments: By extending the term of the loan through debt consolidation, monthly payments can be reduced. This can be helpful in reducing the monthly burden in times of financial difficulties.
- Better overview of finances: By consolidating multiple loans into a single loan, you get a better overview of your total debt. This can make it easier to create a budget plan and manage your finances.
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Ability to remove a co-borrower: If you originally required a co-borrower for your loan, refinancing offers the opportunity to remove that co-borrower from responsibility, assuming your own credit score has improved.
Five disadvantages of debt restructuring are often:
- Possible prepayment penalty: If you repay a loan early, you may be charged a prepayment penalty. This fee is charged by lenders to compensate for the interest they lose due to the early repayment of the loan. These costs can be significant and should be taken into account when deciding whether refinancing is beneficial. >> More information on prepayment penalty here.
- Administrative effort and time: Refinancing a loan requires some work and time. It is necessary to compare different loan offers, fill out applications, possibly submit documents and negotiate with banks. This effort can be daunting and should be taken into account when making a decision.
- Expiration of the remaining debt insurance: If a remaining debt insurance was taken out for the original loan, this may expire in the event of a debt restructuring. This insurance is designed to ensure the repayment of the loan in the event of unemployment, illness or death. If it expires, it may be necessary to take out new insurance, which may incur additional costs.
- Potential increase in overall costs: While refinancing often reduces monthly payments, it can increase the overall cost of the loan, especially if the term is extended. Even if monthly payments are lower, a longer repayment period usually means paying more interest over the entire term of the loan.
- Risk of over-indebtedness: There is a risk that some debtors will see debt consolidation as an opportunity to take on even more debt because the lower monthly payments make them feel like they can afford more. However, this can lead to over-indebtedness if careful planning and budgeting is not done.
A loan is always an additional financial risk and especially if you have a negative SCHUFA (which is likely if you are in debt) you should weigh this up carefully. >> Be sure to consult us in advance!
Keeping an eye on the costs of debt restructuring
When refinancing, fees may primarily be incurred in the form of a prepayment penalty if the existing loan is paid off early. In Germany, it is generally possible to terminate and repay any loan before the agreed end of the contract, although lenders can demand compensation in this situation.
If the loan has more than 12 months to run, a fee of up to 1% of the outstanding loan amount can be charged; if the remaining term is less than one year, the maximum fee is 0.5%. However, interest-based real estate financing with a term of up to 10 years is exempt from the regulation.
Some banks allow borrowers to obtain a fee-free full repayment before the end of the contract , but this only applies to a few banks. Therefore, before applying for a debt consolidation loan, you should always check the contractual conditions of the current loan with regard to any possible early repayment penalty that may be due .
Paragraph §502 of the German Civil Code regulates early repayment penalties for banks . This regulation also states that the amount of the compensation may not exceed the interest that the bank loses due to the early repayment of the loan.
How do I calculate the debt consolidation loan?
Due to the strong inflation, the cost of everyday living has risen noticeably in recent months . People who are currently still paying off debts could save their wallets significantly by refinancing their debts . This is because many borrowers often pay for their loans and installment financing higher interest rates than necessary
However, refinancing only makes sense if the savings from the lower interest rates on the new loan outweigh the costs of the so-called prepayment penalty . You have to pay this to the bank in order to be able to get out of the old loan agreement. With the refinancing calculator from Verivox (*we are not a partner), for example , you as a borrower can quickly and easily find out whether it is worth it for you to refinance your current loan or whether you should continue to pay it off.
Special features of real estate loans and construction financing
An additional cost component , which only occurs with real estate loans and construction financing, are the fees for a notary and any changes in the land register . These fees usually amount to around 0.2% of the outstanding loan amount .
fees for debt restructuring
| fee type | Amount of fees (% of remaining debt) |
|---|---|
| prepayment penalty | Remaining term > 1 year: 1% of the remaining debt Remaining term ≤ 12 months: 0.5% of the remaining debt |
| fees for notary and land registry | 0.2% of the remaining debt (only for construction financing) |
How is the prepayment decision related to debt restructuring?
The prepayment penalty plays a crucial role in debt restructuring, especially in mortgage lending. It is compensation that the borrower must pay the bank if he repays a loan before the end of the agreed term or outside the contractually agreed notice period.
Banks and other lenders charge this fee to compensate for the loss of interest they suffer due to early repayment of the loan. When you take out a fixed-rate loan , the bank calculates the expected profit from the interest payments over the entire term. If you repay the loan early , the bank does not receive this profit and therefore charges the prepayment penalty as compensation .
Let’s take an example:
You have taken out a mortgage for a property , agreeing to a fixed-rate loan with a term of 10 years and an interest rate of 3% . However, after 5 years , the interest rates have reduced to 1.5% and you decide to refinance to benefit from the lower interest rates.
However , if you repay the original loan early , the bank will have to forego the future interest profit that it had expected. Therefore, it will charge an early repayment penalty. This fee is usually based on the remaining loan amount and the difference between the original and current interest rate .
Let’s assume that the remaining loan amount is 200,000 euros.
The bank would have charged 3% interest on this sum over the remaining 5 years, which is 30,000 euros. However, since the current interest rate is only 1.5%, if the bank lent the money again now, it would only have received 15,000 euros in interest . The early repayment penalty could therefore only be around 15,000 euros to directly offset the bank's loss at that time.
It is important to note that the exact calculation of the Prepayment penalty is complex and depends on various factors, including the exact terms of the loan and the lender's specific regulations. It is therefore important to seek professional advice before refinancing.
How high can the debt consolidation loan be?
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The amount of a debt consolidation loan depends on several factors and often varies from Lender to lender . Generally, lenders need to make sure that you have the ability to repay the loan, and they take a number of things into account:
- Debt level: The debt consolidation loan should generally be high enough to cover all existing debts that you want to refinance.
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Income and financial situation: Lenders look at your income and financial situation to determine how much of a loan you can afford. This includes looking at your fixed monthly expenses such as rent, utilities, groceries, etc.
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Creditworthiness: Your creditworthiness, often measured by your credit score, also plays a role. If you have a good credit score, lenders are more willing to give you a larger loan.
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Collateral: If the loan is secured by collateral such as real estate, this can affect the amount of the loan. The value of the collateral serves as an upper limit for the loan amount.
It's important that you don't borrow more money than you can afford to pay back . The monthly payments should fit your budget.
How do I find a cheap debt consolidation loan?
The following things can help in advance:
SCHUFA self-check:
Before applying for a debt consolidation loan, it may be worthwhile to request a free copy of your own data that is stored at SCHUFA . If you find incorrect, expired or already paid entries in this overview , you can request deletion and thereby improve your SCHUFA score . And a better score at SCHUFA leads in most cases to cheaper loan offers .
Make the most of opportunities to earn more money & save money:
If your income has increased recently, you can use the higher disposable net income with a debt consolidation loan to get better To obtain interest rates with a higher monthly payment and a shorter term. This can ultimately save you money.
- Use comparison portals: There are numerous comparison portals online that compare different loan offers side by side and thus enable a transparent selection. The portals usually show the conditions of various banks and lenders and thus enable a quick overview of current loan offers and their interest rates.
- Direct inquiry to several banks: It can be worthwhile to ask various banks or credit institutions directly about debt consolidation loans. They can often create individual offers that are specifically tailored to your personal financial situation. There is also the option of negotiating the terms and thus achieving more favorable conditions.
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Consult a financial advisor or broker: A financial advisor or broker can help you find a suitable offer. They usually have extensive knowledge and contacts in the financial sector and can therefore find individually suitable loan offers. However , it is important that the advisor or broker works independently and is not tied to a specific bank in order to receive an objective offer.
Which banks offer debt consolidation loans?
We cannot provide you with a direct list as this changes depending on current offers. However, you will find a current comparison option on the following page .
Disclaimer: We have no partnership with the landing page and ask you to research the results on your own responsibility before making any financial or other decisions. Can you refinance your debts despite ongoing wage garnishment?
Debt restructuring is generally possible, even if wages are being garnished. However, wage garnishment can usually lead to a negative SCHUFA entry, which could significantly reduce the chances of getting a new loan from the bank.
What are the alternatives to debt restructuring in the event of wage garnishment?
There are loans that are granted independently of SCHUFA.
However, these often come from less trustworthy providers or are so costly for borrowers that refinancing could result in further debt . Instead of taking this route, it is advisable to contact a debt counseling center or a state-recognized, certified and qualified insolvency advisor .
Häufige Fragen zur Insolvenzberatung und Schuldenregulierung
Was ist ein Insolvenzverfahren?
Ein Insolvenzverfahren ist (einfach ausgedrückt) ein gerichtliches Verfahren, dass ein Schuldner beantragen kann, wenn er nachhaltige finanzielle Probleme hat. Dabei wird auf Antrag beim zuständigen Amtsgericht ein Verfahren eröffnet, dass zum einen alle Schuldverhältnisse, aber auch alle Vermögensgegenstände beinhaltet und mit Hilfe eines vom Gericht eingesetzten Verwalters eine Entschuldung vornimmt. Dieses Verfahren ist mit Auflagen und Mitwirkungen verbunden, hat aber am Ende die "Entschuldung" zur Folge, so dass ein finanzieller Neustart für den Betroffenen möglich ist. Die Möglichkeiten und Grenzen erklären wir gern ausführlich in dem kostenlosen Erstgespräch.
Kann jeder ein Insolvenzverfahren eröffnen?
Im Prinzip ja. Es muss allerdings eine finanzielle Situation vorliegen, die ein solches Verfahren rechtfertigt d.h. laufende Einnahmen und vorhandene Vermögenswerte sind nicht mehr ausreichend vorhanden, um die Zahlungsverpflichtungen zu erfüllen (Überschuldung). Auch müssen die Schulden höher als die Verfahrenskosten sein. Eine nicht bezahlte Fitness-Mitgliedschaft allein erfüllt diesen Sachstand meistens nicht.
Welche Unterlagen werden bei einer Beratung benötigt?
- aktueller Einkommensbescheid(e)wie Lohn-/ Gehaltsnachweis Bewilligungsbescheid; Rentenbescheid; Beihilfe usw. Hat man mehrere Einkommen werden alle Einkommensnachweise/ Bescheide benötigt (z.B. bei ergänzenden Leistungen ALGII)
- evtl. Kindergeldbescheid
- alle Mahn- und Vollstreckungsbescheide (gelbe Briefe)
- Nachweise zu unbezahlten Rechnungen
- Mahnungen, Inkassoschreiben, Schreiben von Rechtsanwälten usw.
HINWEIS: Diese Unterlagen müssen nicht vorsortiert sein, wir verstehen, wenn du mit der Situation überfordert bist und öffnen/sortieren deine Briefe für dich.
Gibt es unterschiedliche Insolvenzverfahren?
Ja. Zum einen das Verbraucherinsolvenzverfahren zum anderen das Regelinsolvenzverfahren. Beide Verfahren sind insoweit identisch, als dass beide eine Entschuldung, den Schuldenerlass zum Inhalt haben.
- Das Verbraucherinsolvenzverfahren (VI) gilt für alle unselbständig Tätigen (Arbeiter, Angestellte, Rentner, Arbeitslose usw.) aber auch für ehemals Selbstständige, die weniger als 19 Gläubiger haben. Bei diesem Verfahren ist es rechtlich vorgeschrieben, dass vor Antragstellung eine anerkannte und zugelassene Insolvenzberatungsstelle einen außergerichtlichen Einigungsversuch mit den Gläubigern unternimmt und bei dessen Scheitern eine s. g. Negativbescheinigung für den konkreten Fall ausstellt. Wir sind eine solche Stelle und können diese Bescheinigung ausstellen.
- Das Regelinsolvenzverfahren (RI) ist ein Verfahren für Selbstständige und Freiberufler, die aktuell ihre Selbstständigkeit aufrechterhalten oder für ehemalige Selbstständige die Forderungen aus Arbeitsrechtsverhältnissen ehemaliger Arbeitnehmer*innen oder mehr als 18 Gläubiger haben. Bei diesem Verfahren ist es nicht zwingend vorgeschrieben eine Insolvenzberatungsstelle hinzuzuziehen, unsere Erfahrungswerte zeigen allerdings, dass mit Einbindung einer (unserer) Beratungsstelle die Erfolgsaussichten höher sind und vor allem Fehler vermieden werden, die zum Scheitern des Verfahrens führen können.
Was heißt: Außergerichtlicher Einigungsversuch?
Gesetzlich ist geregelt, dass einem Antrag auf Verbraucherinsolvenz immer der Versuch einer außer (vor-) gerichtlichen Einigung mit allen Gläubigern durch eine anerkannte Insolvenzberatungsstelle vorauszugehen hat. Das bedeutet, dass der versuchen muss, mit allen Gläubigern eine Einigung / Vereinbarung zu erzielen. Basis des dabei zu erarbeitenden Schuldenbereinigungsplans ist das pfändbare Einkommen und die Vermögenswerte des Schuldners, möglicherweise auch ergänzt um freiwillige Zahlbeträge.
Wie ist der weitere Ablauf bei Gericht?
Ist der Antrag auf Verbraucherinsolvenz, ergänzt um die Anträge auf Restschuldbefreiung und Stundung der Verfahrenskosten, bei Gericht eingereicht, so wird als erster Schritt geprüft, ob alle Angaben und Anlagen soweit vollständig vorhanden sind. Der Insolvenzrichter wird in der Folge über die Eröffnung des Verfahrens entscheiden (im "Normalfall" wird ein s. g. Eröffnungsbeschluss erfolgen).
Im Zuge dessen wird durch das Gericht ein Verwalter / Treuhänder eingesetzt, der in der Folge verantwortlicher Ansprechpartner ist, der auch mit der Verwertung möglicherweise vorhandener Vermögenswerte beauftragt wird, dem der Schuldner auskunfts- und rechenschaftspflichtig ist, der während der nun folgenden Wohlverhaltensphase dem Gericht berichtet, der letztendlich auch das Schlussgutachten erstellt und damit das Gericht in die Lage versetzt die Restschuldbefreiung (Schuldenerlass) zu beschließen.
Entstehen für mich im gerichtlichen Verfahren auch Kosten?
Ja. Im Insolvenzverfahren entstehen Kosten seitens des Gerichtes (Gerichts-, Verfahrenskosten) und Kosten für den Verwalter / Treuhänder. Es sollte vorsichtshalber ein Antrag auf Kostenstundung gestellt werden, falls die Insolvenzmasse nicht ausreichend ist um diese Kosten zu begleichen.
Wie lange dauert ein Verbraucherinsolvenzverfahren?
Ein Verbraucherinsolvenzverfahren dauert seit Januar 2021 nur noch 3 statt wie bisher 6 Jahre.
Was kann ich machen, wenn ich keine Unterlagen zu meinen Schulden mehr habe?
Wir können Ihnen Vordrucke zur Verfügung stellen, mit denen Sie bei der Schufa, bei anderen Auskunfteien, beim Schuldnerverzeichnis und bei Gerichtsvollziehern um Auskunft ersuchen. Die Ermittlung bei den Gerichtsvollziehern muss aber durch Sie erfolgen. Wir beraten Sie, wie Sie das am besten organisieren. Sprechen Sie uns in dem Beratungsgespräch einfach darauf an.
Könnt Ihr mir bei einer Bescheinigung nach § 850c Abs. 4 ZPO (P-Konto Bescheinigung) helfen?
Selbstverständlich! Fülle dafür einfach das vorgefertigte Formular auf unserer Homepage unter dem Punkt "P-Konto" aus und du erhältst deine Bescheinigung innerhalb von 3-4 Werktagen.
SIC SCHULDNER-INSOLVENZ-CENTRUM E.V.
Präsident: W. Seelig
Hauptstr. 115
D-70771 L.-Echterdingen (Nähe Stuttgarter-Flughafen/Airport)
Tel.: +49 (0)711-933 42 115
Fax: 49 (0)711- 46914839
WhatsApp: 015732478936
SIC SCHULDNER-INSOLVENZ-CENTRUM E.V.
Präsident: W. Seelig
Hauptstr. 115
D-70771 L.-Echterdingen (Nähe Stuttgarter-Flughafen/Airport)
Tel.: +49 (0)711-933 42 115
Fax: 49 (0)711- 46914839
WhatsApp: 015732478936
Kompetente Schulden- und Insolvenzberatung im Großraum Stuttgart
Willkommen auf der Website des SIC Schuldner-Insolvenz-Centrum e. V. in Stuttgart. Wir sind Ihre Ansprechpartner für alle Fragen rund um Schulden und Insolvenz. Egal, ob Sie privat oder geschäftlich vor einem Insolvenzverfahren stehen – wir helfen Ihnen professionell weiter. Entdecken Sie unsere Beratungsangebote und erste Informationen zu Ihren Optionen. Wir stehen Ihnen zur Seite!"
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Unsere Partner und Auszeichnungen
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Bekannt aus Focus Online
Unsere Expertise in der Schuldnerberatung und Insolvenzverwaltung wurde von Focus Online anerkannt.
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BS Inso
Partner von BS Inso – Gemeinsam mit BS Inso setzen wir uns für effektive Lösungen in der Insolvenzberatung ein.
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GoldWert Bewertung
GoldWert Bewertung – Unsere Dienstleistungen zur Schuldenregulierung und Insolvenz sind durch GoldWert ausgezeichnet und empfohlen.
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Guten Morgen Deutschland
Partner von Guten Morgen Deutschland – Wir sind stolz darauf, in der bekannten Sendung für unsere Kompetenz in der Insolvenzberatung erwähnt zu werden."
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Deutsch Anwaltverein für Sanierungen
Mitglied des Deutschen Anwaltvereins für Sanierungen – Wir arbeiten eng mit dem Verein zusammen, um Ihnen die besten Lösungen in der Insolvenzberatung zu bieten
