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modern robber barons by self-appointed advisory bank

A factual report of an asset customers

modern robber barons by self-appointed advisory bank.

harassment and dispossession in stages:

1.Kündigung of overdraft facility without notice and justification.
2.Böswilliges insistence on credit debit prior to receipt of rental payments and wages.
3.Make full cancellation of loans due to irregular payment, as credit costs were booked for three-day sub-funds in the account back.
4.Psychoterror by recovery from 600000 € Two days before Christmas.
5.Verweigerung any willingness to negotiate.
6.Forderung of payments in the amount of 10 000 €.
7.Herbeiführung the affidavit the husband.
8.Zeitgleich into administration and preparation of the forced sale of property of the husband.
9.Kündigung of the loans the wife because the husband financial situation has deteriorated, according to the information available. All loans were to the time of termination, the terminated loans are regularly served Subordinated registered in the land, for the bank so that a recovery is excluded from judicial sale.

useless Pedition the family to the board now classes of self-
asset managers


petition to terminate customer base No.
Using risk management Leipzig /


Dear .......,

our last complaint you have rejected as unfounded. This has encouraged
your employees and to further bullying measures encouraged.
by unreasonable demands from your bank, I was forced to make the statutory declaration.
were also enhances the interest on the loan to my wife. However, all loans were
paid up to cancellation, both the euro and the subordinated loan hypo your bank properly.

were now denounced the subordinated loans financed with the creation of a "significant deterioration of financial conditions".
The alleged deterioration was caused entirely by your house.
I still go to work 12 hours a day. Thus

lose our family even at the last Their bank-financed property.
know that a takeover of the loan by another bank is largely excluded.
is therefore the affidavit of ... .... expected. Because your bank is registered in the country inhabited by our two-family house with a small relative to total mortgage loans, we expect further action.

then we have nothing to lose.
is significant for the high morale of your employees at designated loan cancellation, the fact that the ...... Bank land on the second rank, and thus contribute only the costs of sequestration and auction will be. It is not about the protection of your outstanding loans.


you have denied when editing our last appeal against the fact that your employees act intentionally and maliciously against us.
We look forward to your new assessment.

Our family has paid to your bank interest rates ten years and is now with flimsy reasons, driven into bankruptcy.
I will spare further details about our feelings.

A brief overview of activities of your bank without heading

1.Kündigung of overdraft facility without notice and justification.
2.Auflösung of investment accounts in the same amount at Dresdner Bank.
3.Beharren on credit debit prior to receipt of rental payments and wages.
4.Ankündigung termination overdraft tolerated for many years one month's rent and interest and capital repayments.
5.Vollständige cancellation of loans due to irregular payment, as credit costs were booked for three days of a monthly deficit of the account back.
6.Psychoterror by recovery of a guarantee of 100000DM the day a wife before Christmas.
7.Verweigerung any willingness to negotiate. Insist on immediate repayment of 600000 €
8.Beauftragung the bailiff to the bag attachment.
9.Beauftragung the bailiff debt payments in the amount of 10,000 €.
10.Herbeiführung the affidavit the husband.
11.Erhöhung of the interest on loans from the wife.
12.Zeitgleich into administration and preparation of the forced sale of property of the husband.
13.Kündigung of the loans the wife, because of substantial deterioration of financial circumstances. All loans were from the date of termination regularly uses the terminated loans are subordinated in the land register, so that ruled out a recovery for the bank in foreclosure. The revenue and expenditure of our homes cause a shortfall of 500 € is the net salary of 2450 compared with €.
14.Kontenpfändungen although an affidavit was made.

I think the Frankfurter Allgemeine reported rather gruff attitude towards borrowers. This was flattered.


has Sincerely








The legislature in 2009 responded to the recovery of non performing loans and the sale of loans, should be adjusted without looking übergeordnette KWG. So everything stays the same.

There are alternatives to traditional Finanzierung.Info on www.kfi-finanz.de or is prepared in the context of financial planning before the meltdown.
banks to fund the alleged losses from Kreditausbuchungen frech über steuerliche Abschreibungen und beim Verramschen der Immobilien über die Zwangsversteigerung. Der Kreditnehmer bleibt dabei stets auf der Strecke.

Die Politik kann diesen Mißständen nur begegnen, indem die Kreditgeber solange Besitzer der Immobilien bleiben, bis das Darlehen getilgt ist.

1. Vorteil: Banken finanzieren nur noch werthaltige Immobilien.
2. Vorteil: Willkürliche Kreditkündigungen unterbleiben, da der Kreditnehmer schuldenfrei aus dem Arangement aussteigt und die Bank somit den Ball zurück bekommt.
3. Vorteil: Zwangsversteigerungen müssen nicht mehr angestrebt werden und somit werden die Gerichte entlastet
4. Vorteil: Sozialer Frieden

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pension security of a family of entrepreneurs

An article which you should consider carefully before should be built at the company a pension. Further details on www.kfi-finanz.de

administrator can re-insurance of pension promises the managing partner of John Fiala
move, Attorney (Munich), MBA (Univ.Wales)
MM (Univ.), certified financial and Investment Advisors (AFA), the EC expert
(CIFE), banking (www.fiala.de)

Alleged bankruptcy protection: on sales training is often claimed that the company pension insolvency is protected. On the money - especially the
reinsurance - Get a
not approach insolvency, such as when the employer goes bankrupt.
However, this is simply wrong, as the example of an insolvent pension GmbH
shows promise for the owner-manager. may be true, as the Federal Court (case no 138/04 ZR IX) has recently decided
that the liquidator, the reinsurance that feed
despite pledging to vesting and the managing partner, and exploit:
Supreme Court ruling (!).
The administrator of defendant insurer had appealed unsuccessfully to the
pledge and had to be on the broad guidelines of the lien
be instructed (§ § 1228 II 1, 1281, 1284 Civil Code): After that, a lien on a claim only take effect if the claim of the creditor (here the managing partner) is due. Only in the event of power thus enters the so-called mortgage maturity, and only then is the right of recovery of the secured creditors. Until then, the liquidator may terminate the reinsurance policy, which also means the withdrawal of any subscription rights, see § 13 I 2 ALB 86th
The administrator can get through this way of recovery in a personal liability, especially if there are more lucrative
recovery options, see § 168 InsO. Insbesondere das Argument
vermeidbarer Stornoabzüge, sowie steuerlicher Nachteile konnte der Versicherer in dem genannten BGH-Verfahren nicht anbringen.
Haftung für unrichtige Schulung bzw. Vertriebsberatung: Finanzdienstleister
dürfen rechtlich und steuerlich beraten. Dies ist nach dem Rechtsberatungsgesetz ein legales so genanntes Hilfsgeschäft – aber: Für die Richtigkeit von Schulungen haften Versicherer genauso, wie Vermittler für korrekte Rechtsauskünfte. Die Vergütung des Finanzdienstleisters für reine Honorarberatung ist hingegen regelmäßig wegen Verstoß gegen das Rechtsberatungsgesetz unwirksam – das neue Rechtsdienstleistungsgesetz soll hier künftig eine Liberalisierung . Bring
revocable subscription rights: In practice, the pension promise at best a revocable drawing right after vesting, granted - is in doubt to exclude the reinsurance policy in practice, not irrevocably the managing partner. This is the opinion of the Swiss Life Pensions Management (SLPM) the nature of reinsurance. Scientific studies show that security could also be more distinct.
"The customer must be informed properly If the LLC into bankruptcy, and the managing partner personally liable -. For example, by a guarantee - so können die Gläubiger oftmals auf die Rückdeckungsversicherung zugreifen" erklärt der Wirtschaftsberater Jürgen Abstreiter.
Bedeutung des Bezugsrechts: Wenn die Absicherung des Gesellschafter-Geschäftsführer ernsthaft auch vor dem Leistungsfall, also vor Pfandreife, gewollt ist, muss ein unwiderrufliches Bezugsrecht (als "echter Vertrag
zu Gunsten Dritter") eingeräumt werden. Erst dann kann auch ein
Insolvenzverwalter auf die Rückdeckungsversicherung nicht mehr zugreifen. Auch dies ist kein Königsweg, wenn der Gesellschafter-Geschäftsführer persönlich neben seiner GmbH haftet.
Vorgehen des Insolvenzverwalters: Der Pfandgläubiger (Gesellschafter-Geschäftsführer) a pension plan may require the liquidator to ensure just, § § 1282 I, 1228 II BGB.
is practical for example, the deposit of money with the court in question. In this case, as a rule, no interest on the deposit
order. Only on the creditors' meeting or by the bankruptcy court may
the insolvency practitioners will be given to invest in where and on what terms the money is, § 149 Insolvency Act. The deposit takes
due to conditions then until the performance occurs. If the condition in later, such as can occur no longer the case, power from the pension plan, the trustee distributes the money later among the creditors. This can not be more of "bankruptcy-proof pension scheme design" is mentioned.
give In practice, many insolvency, the reinsurance
free by a simple statement - that the contract falls
to the managing partners, the private creditors of
managing partner could therefore pledges. The
opt for monthly payment of pension shall in no insolvency practice because
this service probably simply not worth it. Without opt \u200b\u200bfor monthly payment might not even
the managing partner of the free monthly pledge amount (§ 850 et seq CCP) from the pension. The taxation of the so-called fifth scheme comes into play regularly, § 34 Income Tax Act.
No bankruptcy protection on director liability: If a limited company goes bankrupt, it is not uncommon to the fact that the manager will be taken in addition to the "Manager" liability. Most enemies here are next to the liquidator, even the tax office and health insurance.
If the shareholders such as an irrevocable right to respect
a direct insurance, which has established the employer (the LLC) for him, any creditor of the manager this claim pledge immediately. Protection from enforcement of all bidding situations with contact with foreign countries. In the case of a seizure, however, the payment is made until maturity, so the entry of the supply case. In
pension commitment: Does the pension promise better protection in the
bankruptcy? If the partner is a vested pension plan, so on some training broker likes to tell that the nsolvenzverwalter the pension paid out and as long as it takes to close up his acts could not. Then, the managing partner would receive a pension only in part be attachable.
is concealed in such a "part-training," that the liquidator of the pledgee (managing partner) can be a time limit by the bankruptcy court for recovery of reinsurance share, § 173 Insolvency Act. This, the court stressed in this latest decision of the pension commitment from 07.04.2005. After the M / N-th control here the policy reserve is affected by the bankruptcy declaration. Later than that then the dream ends of the bankruptcy-protected or only partially attachable pension of the managing partners, because it all comes
capital to the insured person is paid - and is immediately subject to attachment.
There is not only in the event of a shortfall, but also the opposite: Then the present value of pension - calculated according to currently unrealistic Dr.Heubeck 6% - lower than the insurable value inclusive of the surplus. In this case, the insurer pays the excess amount to the liquidator from - which again does not mean bankruptcy protection, and mathematically not entirely externally funded reinsurance more.
a protection from this "tax accounting basis" for the
managing partners are nowhere in the vast majority of pension plans. To the question of how the replacement value calculated is still some dispute must be conducted.
can in case of liquidation or cessation of the
Insolvenzverwalter nach § 3 BetrAVG auch von der gesamten
Pensionszahlungspflicht aus der Insolvenzzeit befreien, indem er dem
Gesellschafter-Geschäftsführer eine einmalige Abfindung anbietet; jedoch gilt
diese Regelung des BetrAVG nur für die nach der Insolvenzeröffnung erdienten Anwartschaften.
Ratlosigkeit bei Versicherern: Im Zweifel wird in derartigen Fällen - mit praktisch häufiger zusätzlicher persönlicher Haftung des Gesellschafter-Geschäftsführer - zum Ende der Insolvenzabwicklung auf GmbH-Ebene, vom
Gesellschafter-Geschäftsführer nur noch Sozialhilfe beantragt werden.
Lösungsansätze einer Sanierung des Gesellschafter-Geschäftsführer werden
mostly overlooked.
More than a dozen raised insurance employees or
Agents caregivers were perplexed at the question of how the pension plan (with insolvency protection at the level of the GmbH) for the often personally liable managing partner, the pension payment may be secured guaranteed. For the former managing partner then the administrator may well not force the pension pay out in installments and taxation under the Income Tax Act § 19 - subjected to - as part of a payroll? The possibility of § 173 Insolvency Act is aimed at time-saving process - this also applies to the simple release of the insurance.
Competence as an exception: only three insurers were mentioned spontaneously in a position to demonstrate the ways in which offers of § 4 BetrAVG. The Württemberg AG life insurance referred to the legal
possibilities of a transfer of pension commitments. Barmenia
life insurance ltd was immediately ready to discuss this case with the individual actuary and calculate. The SLPM pointed out that to achieve the not offered by any insurer liquidation insurance just before the bankruptcy, an ordinary resolution of the shareholders and the company's liquidation.
Transfer to a U-fund already encountered in insolvency therefore not subject to love, because even bei der rückgedeckten Variante das Unternehmen (die GmbH in der Insolvenz) rechtlich weiter bestehen bleiben muss.
Sinnvoll und zumindest im Verhandlungswege erreichbar, dürfte die Übertragung auf einen Pensionsfonds sein, weiß der Versicherungsmakler Siebenhaar:
Dadurch kann auch ein Steuerschaden beim Gesellschafter-Geschäftsführer
vermieden werden, der bei der Auflösung meist entsteht.
Beratungsrisiko: Die Gestaltung des Bezugsrechtes ist nur ein Fallstrick. Es
kommen zahlreiche Punkte zum Tragen, die nicht nur die gesamte
Pensionszusage gefährden können (verdeckte Gewinnausschüttung) sondern bei mangelnder Kontrolle (Soll/Ist-Vergleich) die GmbH in enorme Schieflage
maneuver. According to Hermann Insurance Siebenhaar was incomplete over 70% of the over-examined by him pension benefits or, in the case of an audit
jeopardy.
In a recent checkup, the text elements of a pension plan for a controlling shareholder-director of a GmbH, will not be up to 95% of all tested pension plans can withstand the current current work and / or tax requirements and conditions. In the past 10 years, there were a number of administrative directives and court decisions on pension commitments by managing partner `s. The formalities of most of the existing pension plans remained unchanged and the new law or laws were not amended. Many pension plans are therefore not quite sure formulated or bankruptcy protection no longer exists. Often this leads, regardless of a pledge of re-insurance, often for immediate and total loss of the entire insurance value (assets) in the event of insolvency.
is here as an example of the so-called revocation clause in the pension plans to name, who for tax purposes under the Income Tax Policy in commitments for classical worker's rights, where the dominant shareholder-manager of that clause, however, leads in the bankruptcy case automatically and irrevocable forfeiture of all reinsurance. Any pledge to go into space. Episode: The Complete
pension provided by the managing partner is lost
, also has a high tax liability threatens the dissolution of the
provisions.
necessary evaluation: This only helps advance a concrete opinion of one
recognized and independent actuary / consultant and expert
occupational pensions. What is overlooked is also the liability of the
tax advisor. Is the advice when taking out reinsurance
just yet wearable, see the savings phase, however, is very little consultation. Important changes in the legislative process are
kaum beachtet und die Kongruität einer
Rückdeckungsversicherung sträflich vernachlässigt, bzw. kaum kontrolliert. Hier lagern hochexplosive Minen (bei manchen Steuerberatern) im Keller.
Typischer Haftungsansatz: Der Versicherer schreibt "… für Ihre Pensionzusage ist ein Gesellschafterbeschluß notwendig – sprechen Sie darüber mit Ihrem
Steuerberater …"; jedoch ist der steuerliche Berater gelegentlich weder als
Rechtsberater ausgebildet, noch versichert. Hinzu kommt, dass oft ein einziger Gesellschafterbeschluß gar nicht ausreicht, damit die Pensionszusage wirksam wird.
Insolvenzlösung: Die Lösung liegt derzeit nicht immer im Inland, wie der jüngste Bill from the federal Department of Justice proves (see press release dated 23/06/2005). In Germany, is currently at most a amazing potential liability for incomplete sales training and wrong advice from occupational pension intermediaries.
The rehabilitation of pension plans is proving to be a growth market - without
expertise in labor, tax and bankruptcy law is little
to do this professionally. Far too few insurers operate the systematic restoration out of their own stocks. The market is insolvent or in crisis GmbH's is undeveloped - hardly a broker knows the way around the bankruptcy avoidance. Here, the agent could, at least before the crisis, the managing partner To help almost tax-free to get his pension promise made in the GmbH out: The commission is on the road, just something has to crouch to halt.

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Does State Farm Coverto Garages

Whose bread I eat, whose song I sing

"Whose bread I eat, whose song I sing."
Who pays in a lawsuit the lawyer for the other side?
Who pays for his tax return the tax office?
Who pays for medical care, the pharmaceutical company?
Do you know people who can pay insurance and financial matters of the party?
Haben Sie auch schon gehört, dass die mit Versicherungen verheirateten Banken Ihre Kunden mit Koppelgeschäften erpressen?
Was sagen Ihnen die Wortverbindungen:
Versicherungs vertreter
Bank berater
Den Unterschied erfährt man in der Auseinandersetzung.

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Versicherungsbuchhaltung
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information on personal investment position

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money laundering law and its extremes

drives the meantime, the recently enacted Money Laundering Put flowers. Each financial service provider (in German, also the easiest insurance agent) is required for the initiation of a business relationship to identify the customer.
Will he, the customer, so take out dog insurance, he must have his identity card, not the dog, can scan and every two years for data matching . Appear Will he bring his dog has has not yet been clarified.
refuses the agent allegedly threatened a fine of up to 50 000 €. The
Narredei goes on. Past relationships are to be legalized by subpoena and Neuidentifizierung. A recording by
Pdf is permitted. Hopefully keeps the hard goods two years.

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tax investigators and their involuntary helpers -

notification requirements of § 45d (3) ITA
Details of contracts (in this case investments in the coat of insurance policies) have to be the agent or the company to the Federal Central Office shall apply to taxes.

This legal fact is beim Verkauf der Kapitalanlage dem Kunden wahrscheinlich nicht deutlich genug offenbart, denn dies würde den Abschluss stark gefährden. In der Praxis kann es daher gut vorkommen, dass man eine diskrete Kapitalanlage in der Schweiz über einen Vermittler in Deutschland abschließt, der einen anschließend an die deutschen Behörden „verrät“. Dies muss er machen, da er sonst staatliche Sanktionen riskiert.
Welche Daten werden übermittelt?
Nach Paragraf 45d Absatz 3 des Einkommensteuergesetzes werden diese Daten übermittelt:
1.Vor- und Zunamen sowie das Geburtsdatum, Anschrift und Steueridentifikationsnummer des Versicherungsnehmers,
2.Vertragsnummer oder sonstige Kennzeichnung des Vertrages,
3.Versicherungssumme and expiration dates,
4.Angabe whether it is a conventional, a unit-linked insurance contract or an asset manager.
date 01.01.2009 and 30.03.2011
As the technical requirements for the electronic submission on the part of agents or insurance companies (which might accept this automated service) and state need to be established, the data for the first time on 30 March 2011 submitted. However, any concerns
, from 1 January 2009 foreign policy has been completed, as long as the data must be kept "in stock". Legal basis Section 52a paragraph 16 set 9 Income Tax Act.



As a foreign company without a branch in Germany may not be required to deduct withholding tax must be domestic insurance broker to the German Federal Central Tax Office by 30 March of the following year make a report if they have taught from 2009 to the end of a life insurance contract with such company (§ 45d para 3 ITA). The initial notification must be made up to 03/30/2011 (§ 52a para 16 set 9 Income Tax Act) and includes name, birth date, address and tax identification number of the insured, and also the contract number, insurance amount and duration and other information to the contract.

affected by this requirement includes insurance within the meaning of § 20 para 1 No. 6 of the Income Tax Act. So these are life insurance policies, annuity contracts, but not without a lump-sum option, the future lifetime annuity payments with the return portion will be taxed.

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The world is better when you are well prepared for the worst.

politicians and self-styled defenders that will shake your hand today, in the other hand, the blade for your funeral. Because you are more enterprising than an unpopular minority.

Take in the interests of your loved ones time for a review of the current situation.

Stand in that company as a potential tax cheats under suspicion?
Become threadbare by the tax inspectors, thanks incomprehensible tax laws, with allegations of a deal to move ............?
Can you be driving in the wrong accounts (a very important matter) prosecuted by public prosecutors for alleged fraud?

Looking at you as a potential objector from social security? Why are you
need for the payment of social security criminal and civil law right now?

If you are in personal union trustees and exploiters of workers?
by the unions and labor legislation criminalized, are Sie zeitgleich Sachwalter der Krankenversicherung, Sozialversicherung, Rentenversicherung und der Betrieblichen Altersvorsorge
So haben Sie nach aktueller Rechtssprechung eine Schadenersatzpflicht weil der Rückkaufswert der Betrieblichen Altersvorsorge mit den Verwaltungs- und Abschlusskosten der Versicherer belastet wurde.

Ihr Lohn für Ihre Bereitschaft Arbeitsplätze zu schaffen?
Das Finanzamt entscheidet bei der Kapitalgesellschaft was für Sie als angemessene Entlohnung zu betrachten ist.
Gibt es Probleme droht die Insolvenz, weil es unverständliche Bilanzierungsgrundsätze vorschreiben?

Wie bereitet man sich auf die Talfahrt vor?
Kassensturz mit System und danach kluge Zukunftsvorsorge
Insolvenz passiert immer nur Anderen und wenn doch, wird es nicht so schlimm werden.
Das Motto: „ Das können Die doch nicht so einfach machen“.



Nur wer das Gesicht und den Ablauf einer Insolvenz in Deutschland mit seiner penetranten sowie menschenverachtenden Art kennt, hat eine Chance die Folgen zu mildern.

Die Gründe für einer Insolvenz eines Mittelständischen Betriebes sind so vielschichtig und ungerecht wie unser Unternehmerleben.

Einleitung von betrieblichen Insolvenzverfahren durch bürokratische Finanzbeamte,
oder Angestellte von Sozialversicherungsträgern,
neue Steuergesetzgebungen,
neue Ansichten zur Fördermittelverwendung,
unjustified credit denunciations
no credit extensions,
unrealizable additional security for loans,
new ruinous taxes,
strikes,
wage and pension payments in crisis situations,
unrealizable pension plans,
termination of commercial insurance by the insurer, business partners, bankruptcies, etc.
self dubious investigations because alleged tax offenses, making a long-standing investigation into prison without any compensation claim in the proceeding to be.
A wise officer will find a suitable explanation.
The judicial attitude of the business and seizure of assets, result in a logical consequence also to insolvency.
Did you know that banks can still make due to the unclear legislation loan without any technical justification for immediate redemption, so as to increase by rejection of borrowing risks, the equity ratio and to meet the criteria of Basel II. Please understand, because only then can new cheap money will be purchased from the Central Bank.
Ca. 170 000 citizens in 2007 alone out of their banks by Forderungsabverkäufe and denunciations on the scaffold.

The whole systemic evil and the dangers one can only then grasp if we examine the social evaluation of bankruptcy makes.
who embrace the approach loses the illusion of a past performance appreciative positive treatment.

The social and political assessment is according to experts and from my observation of these principles, predominant experience or generalizations and prejudices from.

first Social Evaluation
There is no involuntary bankruptcy. A
already far too rich exploiters destroyed because of their own inability to work. This requires in any case, a prosecutorial investigation owie a punishment "In the name of the people". Sound of the legal profession: "Finally, the people's anger be appeased."

second Social Evaluation
The yield was determined and clever has made his fortune in time to the side. The entrepreneur is assumed basically unfair and relevant pages of the courts and the liquidator long-term and all spheres and to initiate investigations.

third Social Evaluation
Since the contractor basically ruined by negligent or not to anticipate the company to pay all costs of investigation and legal defense out of the assets of the entrepreneur and the fines are due to destitution to take a so-called family assistance by the supposedly rich relatives. Is not the company and its environment in a position, he is even the smallest financial penalties serve in prison and pay from income or below the seizure threshold.

4th Social Evaluation
It is going to assume that the shameless entrepreneur has founded a new company in advance or it will start soon. He uses capital, patents, human expertise and customer bases that was illegally withdrawn from the bankruptcy estate as capital items. For this reason, in principle, extensive investigations and criminal actions required to cover past activities and to prevent future activities. The insolvent company is to isolate socially and to hold through criminal or civil legal barriers of other commercial activities from.

5.Grundsatz
A burden of proof is unnecessary, since the former contractor would have to be destitute in a logical sequence through the seizure and thus can not establish adequate legal defense lawyer. If he still has a lawyer to confirm the judge's suggestions that the operator has withdrawn from insolvency.
As in Germany because of conflicting laws and regulations, without exception, none more im Steuer- und Unternehmensrecht unstrittige Feststellungen treffen kann, ist jede Verteidigung von anbeginn ein Kampf gegen Windmühlenflügel.
Was bleibt ist staatlich sanktionierte Erpressung oder auch einvernehmlicher Deal genannt. Bei der Erarbeitung des Deals wird Ihnen klar gemacht, dass der Richter kein Interesse hat die monatelangen Ermittlungen der Staatsanwaltschaft zu prüfen bzw. fort zu setzen. Er nimmt die Anklage 1:1 als Urteilsbegründung und der mittellose Unternehmer hat die Möglichkeit gegen dieses Urteil an zu treten.

6.Grundsatz
Die angebliche gesetzlich angestrebte Hauptzielstellung der Befriedigung der Gläubiger kann in den seltensten Fällen realisiert werden, weil der Besitz des Unternehmers will be sold off and the proceeds to settle the ridiculous process costs and payment of long-standing efforts of the liquidator is required.

7.Grundsatz
are efforts to going concern is only for policy-relevant corporations and with prior disposal of owners and shareholders manager.



How can it come to such developments?

I am convinced that the citizens and thus, many leaders of the Federal Republic of Germany, regardless of their political positioning and not even to understand properly, in terms of their attitude towards the business end of the Country from a deep-communist ideology and social envy penetrated sind.In knowledge of their own inadequacies, the population considered the enterprising performers as a non unavoidable evil. The order of the demise of the so-called social market economy could be sealed, as has already lived in the socialist countries before, is taken into account.
It is estimated that there will always be restless and mischievous spirits who are reckless enough new businesses off the ground.
This mental attitudes are shared by almost all media. The contractors are there at every stage of their success or failure of Head bogeymen of the entire nation.

Then there is a different species. Our graduates.
The intellectual elite of our society are thoroughly convinced that it is not quite right in the head must be, if you look at the negative social assessment, the escalating tax legislation, the socialist labor law, social legislation, and touch the heart looser bureaucracy, the huge charges and the current employer-hostile legislation decides to become self-employed. This conviction is evident in many scientific papers on psychological management. The classic middle-class entrepreneurs has been as intelligent as average characterized by high communication skills.

brought an liquidator had a PhD once expressed that he does not yet smart entrepreneurs are met. And so was his behavior towards the victims. The word business risk he knew to be an extension of the district court only on the say and hear.
In our university's elite is more than the acceptance of a well-paid employees working as a manager in a corporation.
on those persons best paid executives of the company is also incorrectly classified as a contractor. Karl Marx has spoken in this context by the lumpen proletariat. Former Employees die keine Bindung zur eigenen Klasse wünschen und keine Bindung zum Besitz haben. Und genauso benehmen sich diese Möchtegernunternehmer. Sie verleugnen ihre Herkunft und beuten ihre eigenen Mitarbeiter bis aufs Blut aus. Sie bereichern sich schamlos zum Nachteil der Unternehmenseigner und der Werktätigen.Und sie übernehmen bei negativer Unternehmensentwicklung keine persönliche oder materielle Verantwortung, ja sie verlassen das sinkende Boot sogar noch mit überdimensionalen Abfindungen. Genau dieser Personenkreis ist unter anderem maßgeblich für das negative Bild des Unternehmers, seine Ächtung und somit strafrechtliche bzw. zivilrechtliche Maßregelung verantwortlich.



Was geschieht nach einem Insolvenzantrag?

first Gang
The manager goes with the competent local court a written request for personal bankruptcy or a third party to apply for a bankruptcy.
is where he handled professionally friendly.

2.speed
The court sends the manager an extensive list of questions answered completely temporary and must be submitted.

3rd gear
The company assigned by the District Court of a receiver.

4.gear
contact the administrator a written summons and an overview of the business papers to be transferred. Respect. The entrepreneur has no duplicates, he is totally incapacitated. This is the wealth of documentation usually the case.

5.gear
The operator takes time in the office and may only one time, as first education action, wait a reasonable time in a separate consultation room.
The conversation begins without introduction or a prior act of hospitality
A snippy staff accountant or if the contractor Fortunately, the administrator even asked them about the history, current status and priority of the remaining operable cash .. Finally His first fee to be paid.
Then you are in case of defective cooperation Sanctions threatened. This should not be intimidated because the contractor will be penalized in any case.
The administrator will make clear in a more or less politely, that you have to obey Him, that you can not rely on past achievements and you have yet to be requested as soon as all documents available at your own expense to bring.
If you then still rebel, he will make clear that you are an idiot.


6th gear you are released and allowed to open their wages reported to the bankruptcy table.

7.Gang
The administrator reviews the asset dispositions in recent years and calls them back.

8.Gang
you learn at any stage, what happens to your assets.
Also on the whereabouts of the revenue you are left in the dark. The administrator has fired you and taken over the operation to process.


What is the purpose of the insolvency proceedings.

Each day paid day in a wealthy operation for bankruptcy a good day. As long as the revenue goes into the pockets of the liquidator, the process is not completed. Only if the company is bleeding, the procedure is terminated.
The insolvent medium-sized entrepreneurs is any private income and betriebliches Vermögen genommen. Dazu werden zeitgleich Anhaltspunkte zur Durchsetzung einer Unternehmerhaftung gesucht oder erfunden.
Am beliebtesten, weil nicht zu widerlegen, ist das Thema Insolvenzverschleppung. Es gibt keine konkreten Definitionen, sondern lediglich ins abenteuerlichste reichende Mutmaßungen.Wann man ein Risiko erkannt haben muss und ab wann man wie darauf hätte reagieren müssen. Jede ehemalige Bemühung den Geschäftsbetrieb dennoch aufrecht zu erhalten wird dem Unternehmer nun als Schuldanerkenntnis bzw. Risikoindiz negativ angerechnet.
Bewertungen des betrieblichen Sachvermögens werden nach subjektiven Maßstäben des Insolvenzverwalters vorgenommen und nicht nach den geläufigen Maßstäben Review of the Act or by accounting law.

I hope you will curse me for these open lines are not all too much and have the force of their personal risk management to be addressed.

What to do?

Any ancient and future decision of the assets is in terms of their capacity in the event of insolvency light. One should not be naive to advise the seller of the products. Finally, it is the clerk of the product provider regardless of whether the company can go bankrupt. The seller wants to sell and nothing else. Thematic risks are counterproductive. Also expects only a fool, that he by a car dealer, Insurance agent or bank manager will consult independently to the overall market and related risks.

Here is an excerpt from the lawyer specializing in insurance law, Dr. Fiala elaborated insurance risks.

that insurance benefits - such as the Rürup pension - as safe from seizure and on insolvency applies, may be a serious mistake for those affected. Already by Judgement of 10/08/1997, the Regional Court (LG) of Brunswick, that "self-employed, not working people and business persons" enjoy insurance benefits to cover living expenses in retirement law no protective order. Only employees and officials are better, because there gesetzlich vorgeschrieben ist.
Bundesgerichtshof (BGH): Pfändungsschutz nur für Beamte und Angestellte
Der BGH bestätigte durch sein Urteil vom 15.11.2007 (Az. IX ZB 99/05), dass private Versicherungsrenten (z.B. Versorgungsrenten, Unfallrenten und Berufsunfähigkeitsrenten) der Freiberufler, Gewerbetreibenden und Selbstständigen grundsätzlich keinerlei Pfändungsschutz genießen, denn dies ist kein Arbeitseinkommen im Sinne der Pfändungsschutzvorschriften, §§ 850 ff. ZPO.
Pfändungsschutz nur "wegen besonderer Härte" zur Vermeidung der Sozialhilfe:
Bereits 1997 hat das LG Braunschweig entschieden, dass in derartigen Fällen nur ausnahmsweise ein Teil pfändungsfrei remains, and that only the amount of welfare payments, § 765a ZPO: This should also be relieved only the state - remains the more precautionary for retirement savers will probably not occur today, when foreclosure or bankruptcy.
"Secure private retirement" since 31.03.2007 - about Hartz-IV-level?
The legislator introduced 2007, a pledge-free "low rent" by ZPO § 851c, if it is in particular a pure pension with no lump-sum option. Neither may be possible orders, nor can a lump sum to be agreed - except for death. A subscription right may only be provided for members werden. Bei der Auszahlung der Versicherungssumme ist das Geld (zusammengerechnet mit anderen betrieblichen und privaten sowie gesetzlichen Renten) nur im Rahmen des pfändungsfreien Existenzminimums bei Insolvenz und Pfändung geschützt – eben wie Arbeitseinkommen. Auch künftige Ansprüche können Gläubiger pfänden, so dass der Versicherungskunde auch eine "null Auszahlung" bekommen kann.
Kein Schutz von Einmal-Kapitalauszahlung bei Riester und Rürup
Der neue § 851d ZPO schützt nur laufende Auszahlungen, und dies nur im Rahmen der üblichen pfändungsfreien Beträge (beim Ledigen knapp 1000 Euro monatlich, nämlich wie Arbeitseinkommen), nicht jedoch einmalige Kapitalauszahlungen (Possible future, in case of divorce) (for Riester to 30%) or the compensation of low-value pensions.
no surrender value is not an attachment?
insurers - and perhaps even legislators - to go on pensions according to § 851c Code of Civil Procedure and in the tax-funded pension in the form of the Rürup pension from the fact that the contract or by law no surrender value to pay is - instead of termination, the contract provided only contributory . And in doing so also to retirement at first nothing will be attached. This assumption might turn out to be a fallacy. Because the statutory termination right under the Civil Code can not be excluded - such as in "distress" must get it to stay, even after retirement. Without a doubt exists in the case of insolvency or bankruptcy of such emergency situation - and therefore, the existing due to higher-ranking law right of termination may be effected through the insolvency administrator or creditors. Legal hangers are the "termination for cause" or the "frustration of contract situation," § § 314, 313 II BGB. The insurer must then pay off but a surrender value, or value - in contrary to contractual arrangements, it is no longer then. In addition, the SG & A looks up a part of early redemption only in direct reference to the level before, according to SGB.
will also in future in Divorces are a division of any supply of both spouses, which can then be reconciled if a single payment - and in any case the attachment is available.
alternatives for businesses, professionals and non professionals
The Federal Court refers to the option in the statutory pension insurance paid up. The pension shall be treated as very few pension funds. Then there is the capital - only to retirement - even in bankruptcy receive is not subject to attachment and not redeemable. But the ongoing pension payments from creditors - after the deduction of monthly seizure-free amounts - be seized for the future. Only 1-2 years permanent residence in foreign insolvency procedures can be a perspective.
pensions through property abroad is a real option: it threatens traps, because the alleged "life insurance with bankruptcy privilege", sold by a German intermediary, or a domestic bank, will always fall under German law - and that German law does not "bankruptcy privilege" . Different agreement on applicable law are usually ineffective, even if it is shown for years and still always different from the agent or consultant.
reversal even with company pensions (pension scheme): Safe Sozialhife?
Many freelancers, self-employed or Traders are here already fallen in good faith. This also applies to the pension scheme, for example, the usual "model pledge" does not protect against that the insurer pay the surrender value of the insolvency assets to repay debt must (LG Erfurt, Az 3 O 6601/03, Judgement of 12.04.2003; OLG Thüringen , Az 1 U 25/04, Decision of 05.04.2004). The Supreme Court (case no IX ZR 138/04, Judgement of 4.7.2005) allows full-time recovery of reinsurance policies (to account for accident, disability and widow's supply), by the receiver: any "counter-claims" are sufficient for the set-off, what in fact a total loss equivalent.

you see the matter is very complex, and the actors pursue goals that are not necessarily in accordance with your security needs.
Although it is unpleasant to you deeply:
Play the worst time through. Analyze the situation.

What can now be done to reduce risks to the property? What triggers bankruptcy
you know.
What is attachable?
What happens in an inheritance?
What happens in a divorce?
How does the partner under great stress?
know what the usable life partner incriminating? Where are
which relevant documents? What
Chancen bestehen für einen Neuanfang?
Welche Mittel stehen Ihnen wie schnell zur Verfügung?
Wer begleitet Sie während kritischer Situationen?
Können Sie bei einem Insolvenzrisiko auf die Berater Ihrer Hausbank bauen?
Welchen Personen können Sie in Ihr Krisenmanagement einbeziehen?
Wer bürgt für was?
Welche Verstrickungen können innerhalb der Familie angelastet werden?
Wurden Eigenkapital ersetzende Darlehen ( Privateinlagen) in die Firma eingebracht?
In welchem Umfang wurden Entnahmen vorgenommen?
Welche Vermögensverschiebungen haben wann statt gefunden?
Welchem Vermögensinhaber ist die Basis für Ihre Wertschöpfung zu zu rechnen?
Already an experienced lawyer specializing in bankruptcy and corporate crime?
can you expect from your tax office a dedicated support?
Who cares if they are unable to your investments? Do you have an instant
view of its investments and insurance?
Who represents you professionally just in case?
Who can finance your legal costs and costs comparisons?
What can you afford to do and manager of legal protection insurance?
What risks will arise from the implementation because of the FOT?
Stick for commercial insurance risks caused because you do not have a broker?
If claims to be expected from any co-owner?


Gain clarity by using professionals. Make decisions.
We know what we are talking about and are on your side.

Our risk management gives you as part of holistic financial planning, along with your honest advice, clarity, and points to solutions.

Masked Man Milena Velba

risk management estate planning made easy

Step 1:

We provide you with the anticipated scope of services from:

 creating a checklist for estate planning;

 financial-economic monitoring of the preparation of a personal heritage register; incl.Patientenverfügung, care proxy, power of attorney

 financial-economic monitoring of the preparation of a testament template;

 Integrate and host of the living conditions, financial data and objectives;

 analysis of my financial situation and using a private
record in securing and in investments;

 financial-economic control optimization;

 Development of product-neutral recommendations for structuring
I bequeath assets;

 Written documentation of analysis and recommendations (budget);

 Personal presentation of the inheritance financial plan;

 assistance in the fiscal and legal review by the
Accountants, notaries and / or attorney of the trust.

Step 2
Emergency Registry data eingegeben.Dauer by telephone or on site in the computer about 2 hours. If the necessary documents, if not already registered for evaluation Covered:

Q uick R eference
required data
emergency record / heritage register / Testament

1st book of the family, birth certificates, family registers the family
2.Stammbuch parents with birth dates , certificate number,
data on deceased
3.Ehedaten, marriage contracts
4.Daten to church connection
5.Personendaten children, parents, grandparents, siblings
(if deceased, their children) with addresses
6.Notarverträge with real estate, real estate professionals, rental
7.Darlehensverträge
8.Schuldverhältnisse third
9.evtl. own advance directive for health professionals
10th Partnership agreements with local ownership,
11th Partnership documents, partnership, limited partnership company contracts
corporation contracts GmbH, AG
12.Anschriften legal and tax advisors and international
13.Steuernummer
14.Nationale Vested
15.Arbeits, leasing and pension contracts between allowance claimants
16.Pensionszusagen
17.LVA BFA or pension number, pension statements
18.Zusatzrenten
19.Versicherungsunterlagen (if not managed in VIP service)
20.Kapitalanlagen ( if not managed in VIP service)
21.Girokontendaten and authority
22.bestehende wills, inheritance contracts

Step 3:
After an overview is about the amount of work possible, the fee is agreed zuerwartender per hour.
experience:
doctor couple / 1 child: 1 practice, own house, condominium, investment € 70,000, two Loans (12 hours a 100 €)
doctor couple / with two previous marriages and five children: 2 practice reviews, 16 condominiums, for 900T € investments (34 hours a 100 €)
craftsmen married with two children: company valuation, 3 homes, for 120 € investment (25 hours a 100 €)

Step 4
evaluation of estate planning.
accounting, if the client is satisfied with the service provided.

Can You Tan Before Getting Your Eyebrows Waxed

consulting fees in a financial Flat

So a perfect financial planning for clients demanding to be set up.

provide professional, maintain and update

all Insurance and all saving equipment

no sales commission

for month 90 € (zuzgl.aktueller include taxes.)

you to keep track.

Sie sparen viel Zeit und viel Geld.

Und alles das mit Zufriedenheitsgarantie

www. kfi-finanz.de

In Übereinstimmung mit den zur Verfügung gestellten persönlichen Daten und Unterlagen wird der Finanzplaner insbesondere folgende Leistungen erbringen:

• 
  
  Versicherungsbuchhaltung:

• 
  
  Verwaltung des Schriftgutes der Mandanten


• 
  
  Abwicklung des Schriftverkehres


• 
  
  Versicherungsmaklerbetreuung


• 
  
  unabhängige Beratung bei Produktentscheidungen


• 
  
  worldwide 24-hour service
• 
  
  information on gaps in coverage for a given financial goal
• 
  
  low price guarantee on insurance level
• 
  
  rapid loss assessment and regulation
• 
  
  annual information on Ihren Versicherungsstand

• 
  
  Kapitalanlagebuchhaltung

• 
  
  Verwaltung des Schriftgutes der Mandanten


• 
  
  Abwicklung des Schriftverkehrs
• 
  
  specialist analysis to savings protection and control optimization of investments
• 
  
  date information on all of your investment results
• 
  
  Portfolio alarm
• 
  
  indexation of us excited by free transfers
• 
  
  expanding investment information for the daily available capital
• 
  
  observation of the global capital market, risks to hold
• 
  
  annual overview about opportunities
• 
  
  biannual update on the status of personal property