Tag Archives: insurance & pension

Team Turk

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Also self-employed persons can get EM pension. Who is partially incapacitated for work will receive now the half-euro pension that corresponds to the previous BU pension in principle, so as to deserve is intended. Who is not employable in the labour market (however now without job protection) will continue to be the full EM pension (in the old law the incapacity for work pension) get. EM pensions are temporary until times always issued, for 3 years. If after 9 years shows that the earning capacity may be unrecoverable, perpetual EM pensions are paid. It applies the principle of rehabilitation before pension “it must be checked always first of all, whether there are not reasonable rehabilitation measures that restore the earning capacity can. General requirement for obtaining EM pension: it must be been accumulated in the last 5 years prior to the introduction of the incapacity of 3 years compulsory contributions and prior of disability be met a waiting period of 5 years.

Accidents at work and occupational diseases this waiting time does not apply Here accident pensions of the professional associations are then usually already made, then correspondingly allocated on EM pensions. Reading through all these points, can, give the impression that one is quite State sufficiently secured. This is a fallacy. Considering the average EM pension at the end of 2003, these were: 777 EURO for men and 640 EURO women. The need-oriented basic protection is already less than 640.-EURO.

It is therefore to be expected, that further declining pension level of statutory pensions in the future more and more people receive the EM pension also benefits from the demand-oriented basic protection must apply. Disability and disability in the private insurance the Team Turk insurance recommends therefore primarily all persons who are born after the 01.01.1961, to fill this gap through a private disability insurance. The life insurers are providers of private disability insurance.

Debt Trap: Each Course To The Mailbox Can Be Hell

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If the debt trap has caught to first of course is to the letterbox to hell! Money payments, debt collection services, and much more. What is the judicial order of the District Court of it? Should it now as far as came be, that you can no longer pay the creditors as a first option will choose the judicial Dunning. What does this mean for you. If the creditors requested this order on the basis of debt you have created is thus against you a legally enforceable debt to get. So the creditor is then the right even 30 years after the issue of the debt title against you to enforce. The order will be distributed by the postman, in this order, that you have to pay to the creditor is then briefly. You have 2 weeks time against this order to appeal if what is on the notification is not the truth. You will notice that your debts in a short time are much higher than the original amount.

It cost komen to which you must bear alone. And every day is occupied with 5 percent interest, which do not pay their debts. What is the court writ by the Court it? The 2 should be elapsed week period and no appeal against the order is lodged then comes the writ in this notification are again invited to the creditor to pay. If you somehow have the ability to pay a rate sat down with the creditors and try to agree a payment on rates. There are hardly any creditors who refuse that. Should also pass this period of the enforcement notice, let it is first again calm you but believe me the peace remains long and then the man with the suitcase on your doorstep he calls himself also bailiff. If the bailiff stands in front of the door is everything too late then? If the bailiff is on your doorstep there are only two ways for you or you pay the amount asked the bailiff you it is only the affidavit Insurance you can just sign in most cases when the bailiff.

The Bailiff

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There are bailiffs who are still man un try before the way in the affidavit goes your way solutions with you together to find this is not true but on each bailiff. The bailiff has the right, if you have valuables to offices in which he sticks a ‘Kuckkuck’ on it. This item is no longer yours this seal brand now shows that. In many cases is to bring nothing but when the creditor and you left just the way into insolvency. Was the affidavit that it now with my credit rating? Their creditworthiness is ended with the signing of the affidavit. You will be registered in a debtors register Court of attachment and your failure is logged to the Schufa.

From this day forward, you may make no more debt! You may buy anything more on credit, and your bank will give you the debit card Visa card and also all loans instantly Cancel. And now it starts off really, because all will get with others where you have also credits that you can no longer pay and will try your debt collection agencies a drive. The collection agency is annoying and can be worse as the bailiff. Debt collection services have a different way is to collect money from the creditor often you will be bombarded with countless letters or even day daily phone calls Chasen. Debt collection services work on their own account and only then really get money when they drive the debt to you. There are also debt collection services that buy the debts the creditors for a small amount to raise the full amount then you. At some point, believe me you are simply tired and become mature. The countless letters with threats from account garnishment wage tax garnishment and what know I not everything scares them at some point so you pay maybe 29 euros a month merits you have peace. Angelo D Alterio