available for a month - the P-account There is now the first reviews of clients before - the conversion of their previously "regular" checking accounts to checking accounts with automatic protective order has worked smoothly. Is therefore no need for them in the future, the necessary attachment with each new request for a protective order from the competent district court. Specifically: From 1. July, every holder of a current account claim for conversion of his account in a so-called "protective order account. This is still a "normal" current account, but it has an automatic protective order. This need no longer, as before, to be filed with the court but may already be over any garnishment actions listed directly with the bank. It is also not the type of income and the payment date. Protected in principle an allowance in the amount of € 985.15, which for certain obligations such as alimony, to € 370.76 for the first and to € 206.56 for the second can increase up to five people. Who has not used up its proprietary credit until the end of the month, it can be transferred to the following month in which it is then, in addition to the basic allowance is available. But: Only individual accounts can be converted to P accounts. For holders of joint accounts, it is therefore advisable to have them first in individual accounts and then converted to P accounts. For there is only a claim for conversion of existing accounts, but not on new contract of a P-Account. Moreover, one can not have multiple accounts at once P. Important: The P-account protection applies not only for future seizures. Already distrained accounts can in P-accounts be converted.
is not regulated by law, whether and how much additional bank charges incurred. Therefore, it is advisable to check before the transformation, so do not snap shut behind the cost of the event.
