Insolvency creditors normally have to register their claims in the table and can immediately write off up to more than 90%. The rate is often just above zero. Nevertheless, there are numerous exceptions to the rule of how to get your money despite the insolvency of the debtor. Maintenance obligations and intentional tort […]
Artikel zum Thema: Gläubigerschutz
Private pension provision and creditor protection: illustrated using the example of life insurance
Private pension schemes and creditor protection
Book by Christian Wollmann § 4 The protection against seizure according to § 815 c ZPO Link: https://books.google.de/books?id=3G57RwL8DxkC&pg=PA71&lpg=PA71&dq=%22Fiala/Schramm%22&source=bl&ots=aEnFGp0UHR&sig=w7sGPvIYpSuOA2JUo72o4rU2Pnw&hl=de&sa=X&ved=0ahUKEwiq4crWz6PSAhUqIpoKHb4_DTMQ6AEIQDAJ#v=onepage&q=%22Fiala%2FSchramm%22&f=false or in https://www.beck-shop.de/wollmann-private-altersvorsorge-glaeubigerschutz/product/5726513
Federal Minister of Finance: saved Rürup capital can be seized
– only precaution on social assistance level may be protected from creditors – The sales market of the securitization of the Rürup capital For many years, insurance associations, insurers and the insurance sales force have been praising the Rüruprente in advertising brochures as a seizure-protected old age provision. Now, according to a new letter […]
The fairy tale of the unseizability of Rürup capital
The fact that not only the assets saved in a Rürup pension can be seized, but also the portion of the Riester credit balance which is not subsidized by the state, was already decided by the Regional Labour Court of Mainz (Az. 3 Sa 414/06) in a ruling of November 3, 2006 in the case […]
Dr. Johannes Fiala: Rüruprente can be seized and terminated
If the lecturer for civil law and insurance law at the Dual University of Baden-Württemberg, lawyer Dr. Johannes Fiala (53, photo – Dr. Fiala) from Munich, invites people to seminars where they learn how to secure their retirement provisions and assets from seizures, he usually expects specialist lawyer colleagues who advise entrepreneurs. “But almost no […]
Rürup is attachable!
Insurer associations, insurers and the insurance selling praise in advertising brochures for many years the Rürup pension as seizing-protected age precaution. Now this proves as bare marketing lie for the Kundenakquise – that is the opinion of Dr. Johannes Fiala and Dipl.- Math. Peter A. Schramm. The Rürup pension (the so-called seizure-protected old-age provision […]
Rürup capital as a pension factor – new view “Only the welfare level is protected from creditors”.
A new letter of the Federal Minister of Finance clarifies that saved Rürup capital cannot be withdrawn from the access of creditors. This results in a fundamentally new discussion situation with the insurance providers. Red. The fact that not only saved assets in a Rürup pension can be seized, but also the non-state-subsidised part of […]
ASSET PROTECTION
PRINCIPLES OF PROTECTION OF ASSETS Asset protection means strategically separating professional and private risks. Bankruptcies, legal disputes, creditors, but also the separation of private and professional partners and divorce are seen as threats to one’s own assets. For the wealthy problematic is the realization that the implementation “from a single source” is rarely to obtain […]
Company pension scheme (bAV) and working time account models (ZWK) – No asset protection in the event of insolvency of the company through trust/CTA models
*by Dr. Johannes Fiala, lawyer (Munich), mediator (Univ.), MBA Financial Services (Univ.Wales), MM (Univ.), certified financial and investment advisor (A.F.A.), EC expert (C.I.F.E.), lecturer for civil and insurance law (Univ. of Cooperative Education), banker (www.fiala.de) and Peter A. Schramm, actuary DAV (Diethardt), graduate mathematician (Univ.), expert for actuarial mathematics, publicly appointed and sworn by the […]
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