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.
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