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If, contrary to expectations, the out-of-court (pre-court) collection procedure has not led to settlement of your claim by the debtor, and the investigations we have made into the personal and financial circumstances of your debtor have not revealed any indications that the further pursuit of your claim in court proceedings would be manifestly futile, we will automatically initiate court order for payment proceedings before the competent local court (dunning court). Since we, as a Registered Collection Agency (Section 10 of the Legal Services Act), are authorized to represent you in these proceedings as your legal representatives, we refrain – for the purpose of avoiding unnecessary additional costs and for the purpose of avoiding unnecessary time delays – from engaging lawyers to represent you.

Application for the issuance of an order for payment

As since 01.12.2008 required by law, we submit the petition online in machine-readable form only to the appropriate district court. A side effect of this form of application is a considerable acceleration of the procedure compared to the submission of the application on the otherwise usual official form.

After service of the dunning notice, the debtor has two weeks to either pay your claim in full or to. If necessary, agree with us on payment deadlines for the settlement of the claim, or assert any objections to your claim by filing an objection to the default summons. If the debtor does not pay and does not lodge an objection, after the two-week period has expired, we will file a claim on your behalf

The federal government must learn to live within its means. We must immediately balance the overly bloated federal budget and actively work to reduce our trade deficit. As a longtime business owner, I've had to keep a close eye on the bottom line of my businesses to make sure employees and vendors are paid on time. Government should operate under this same basic standard. We cannot spend money we do not have! Regularly raising the debt ceiling is not a long-term solution. Government must provide for the essential responsibilities of national defense, maintenance of federal highways, preservation of Social Security, and welfare programs for our neediest citizens. In addition to these core functions, most government functions are performed more efficiently at the state and local level.

JOBS / ECONOMY

Job creation and job retention are key elements in getting our stagnant economy moving again. Employers don't invest in new businesses or expand existing ones when taxes are high and the federal government saddles them with costly unfunded mandates and burdensome regulations. Congress is not a direct job creator. However, the federal government can and should play a critical role in creating a business climate where employers are willing to invest in business expansion, startups are encouraged, and invasive regulations are kept to a minimum.

EDUCATION

I believe decisions about educating our children are best made at the local and state level, not by the federal Department of Education. Innovative programs like merit pay for our best teachers should be further explored and developed. Voucher programs and charter schools have shown positive results and should be expanded dramatically.

Relocation: the current apartment can still be so great, at some point there may come a time when you need to think about a change. There can be numerous reasons why the new place should offer more living space. We show you which circumstances speak in favor of moving to a larger apartment and what you should bear in mind when doing so.

What is generally important when moving?

Don't underestimate the time, effort and expense involved in moving to a new home. Depending on the size of the furniture you need to move, you should look for professional moving helpers. It does not matter whether you are moving to a metropolis such as Berlin or to a more rural area. Hiring a moving company can also be worthwhile for moves to and from Landau.

You should also be sure to ask your new landlord if you can start moving into the new apartment before the lease officially begins. In this way, a lot of stress can be avoided and the whole moving process can be equalized. In addition, it may be possible to prevent double rent payments for a certain period of time.

Banks are relatively choosy when it comes to granting loans. Only if you appear creditworthy to the bank can you get a loan. Therefore, there are certain securities, through which it is possible to get a loan.

In the case of collateral, there are 3 criteria to which the fiancers attach particular importance. They should be easy to sell, hardly lose value and be easy to value. The most important thing for the bank is that the collateral does not lose its value so quickly. The following are common forms of collateral.

The guarantee as security

In the case of a guarantee, another person is liable for the loan that the borrower has taken out with the bank. The bank can require the guarantor to repay the loan should the actual borrower get into payment difficulties.

Jointly opened current accounts, which are used for example, in order to settle common expenditures together, are called joint accounts. The variety of joint accounts is as great as the useful applications. Here you can find out all the pros and cons of this form of account, as well as the best tips around deciding on the right bank offer.

What is a joint account?

Probably almost all people in Germany are very familiar with the use of current accounts. Joint accounts are current accounts that differ in that they are opened jointly by two people. So two account holders are on record. For example, there are partner accounts designed for couples to cover joint fixed costs. Accounts for shared apartments also fall into this category, which are also used for common expenses related to housing.

In principle, two people must not only be users but also account holders, so that an account is considered a joint account. The account can then be used by both without constant consultation.

WASHINGTON, 26. January (Reuters) – The U.S. economy likely maintained its strong pace of growth in the fourth quarter as consumers boosted spending on goods, but momentum appears to have slowed considerably toward the end of the year as higher interest rates curb demand.

The Commerce Department's early fourth-quarter gross domestic product report could mark the last quarter of solid growth before the delayed effects of the Federal Reserve's fastest monetary tightening cycle since the 1980s kick in. Most economists expect a recession in the second half of the year, albeit mild compared to previous downturns.

Retail sales have weakened sharply over the past two months, and manufacturing appears to have joined housing in the recession. While the labor market remains strong, business sentiment continues to cloud, which could ultimately hurt the hiring rate.

Many roads lead to home ownership – and most of them go through the bank. After all, very few real estate buyers find themselves in the comfortable situation of being able to make such an investment with their own financial resources alone. With a loan, the dream of owning your own four walls becomes reality. For a construction financing there are different possibilities. You can read about the different types of financing, their characteristics and when they are particularly useful on this page.

The annuity loan as the most frequently chosen financing model

Planning security is an important argument for the popularity of the annuity loan. A fixed interest period is agreed upon before the conclusion of the contract. This means that the bank and the customer agree on a fixed interest rate that applies for a certain period of time. The installments – also referred to as annuities – always remain at the same level. However, a change takes place within these rates. They are made up of the interest and the repayment. The interest rate is constantly reduced, as it is only charged on the remaining debt, which decreases with each installment. In return, the repayment portion grows.

The fixed interest rate is often fixed for 5 to 15 years. Longer phases of 25 or 30 years, for example, are also conceivable. In most cases, however, the remaining debt has not yet been paid in full by the end of this period. Follow-up financing then comes into play. The bank proposes a new interest rate agreement to the customer for this purpose. If the borrower agrees to this, it is referred to as a prolongation. Alternatively, he can switch to another credit institution that grants him more attractive conditions. There is a so-called rescheduling of the real estate loan.

Today I write from Dubai, a glittering and luxurious city, which unfortunately is also hardly ever quiet. Excavators and concrete mixers are constantly roaring, power generators and air conditioners are running. And where it would be quiet, I'm sure there's music playing.

The fact that the economy is doing well here is almost palpable. Hopefully this will remain so in the days of Brexit and the corona virus!

On another topic, two articles have caught my eye lately, or rather helped me along. One deals with the Swiss institution of the Schuldbrief, the other is about a new player in the online real estate market.

On Dontox.We always test and compare credit cards from VISA, MasterCard and American Express as well as current prepaid credit card offers. In our list you can easily compare current credit card offers with each other.

Credit card fees vary widely from bank to bank. Choose the wrong provider or an inappropriate card, you may end up paying too much. Annual fees, for example, can be 0 euros or 50 euros or more.

The credit card should also fit one's needs. For those who travel abroad a lot, z.B. primarily a card that allows you to make free payments and withdrawals abroad. For drivers, a card with attractive fuel discounts may fit the bill.

If you pay any attention to the news you will have seen Martin Lewis advocating for mortgage advisors. There is of course, a very good case for arguing that the best way to get the best deal is to get the best advice first. Let’s look at five reasons why.

A good mortgage adviser will look at the bigger picture

Getting a good deal is not necessarily about getting the absolute, lowest possible price, not even with a large-scale financial product such as a mortgage. It’s about getting the deal which is most appropriate for your situation, even if that costs a little more. For example, you may have a strong preference for the security of a longer-term fixed-rate mortgage and be prepared to pay a little extra for it.

A good mortgage adviser works on your behalf

Mortgage advisers can receive their payment in different ways, some charge up-front fees, others work purely on commission, others use a combination of fees and commission, but the basic fact remains that mortgage advisers can only hope to run successful businesses over the long term if they keep their customers happy and that means delivering value. Even though using a mortgage broker creates an additional cost which must be paid one way or another, this cost can be recouped and then some by the fact that they can help you to avoid the expense and inconvenience of taking out a mortgage which is inappropriate for your situation. When considering this topic, it’s worth remembering that mortgages tend to carry high up-front costs due to the need to have a home valuation, plus there is the time required to complete the relevant paperwork, both of which facts serve to highlight the importance of making the right choice to begin with.