{"id":2971,"date":"2022-12-13T13:44:43","date_gmt":"2022-12-13T12:44:43","guid":{"rendered":"https:\/\/www.anwalt-1100.at\/?p=2971"},"modified":"2024-06-03T13:15:30","modified_gmt":"2024-06-03T11:15:30","slug":"privatkonkurs-zahlungsplan","status":"publish","type":"post","link":"https:\/\/begeads.eu\/glfuat\/privatkonkurs-zahlungsplan\/","title":{"rendered":"Zahlungsplan &#8211; Mit fixen Raten aus der Schuldenfalle"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1664px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography2-font-family);font-weight:var(--awb-typography2-font-weight);font-style:var(--awb-typography2-font-style);margin:0;font-size:1em;letter-spacing:var(--awb-typography2-letter-spacing);text-transform:var(--awb-typography2-text-transform);--fontSize:30;line-height:var(--awb-typography2-line-height);\">Beim Zahlungsplan werden fixe Betr\u00e4ge bzw. Raten vereinbart, die vom Schuldner regelm\u00e4\u00dfig an die Gl\u00e4ubiger zu bezahlen sind.<\/h2><\/div><div class=\"fusion-text fusion-text-1\"><p>Der Zahlungsplan ist eine Variante des gesetzlichen <span style=\"font-family: S\u00f6hne Dreiviertelfett;\" data-fusion-font=\"true\">Schuldenregulierungsverfahrens<\/span>, die es Privatpersonen erm\u00f6glicht, sich von ihren Schulden zu befreien. <u><span style=\"font-family: S\u00f6hne Leicht;\" data-fusion-font=\"true\">Beim Zahlungsplan werden fixe Betr\u00e4ge bzw. Raten vereinbart, die vom Schuldner regelm\u00e4\u00dfig an die Gl\u00e4ubiger zu bezahlen sind.<\/span> <\/u>Sie bezahlen jeden Monat eine fixe Rate. Am Ende des Zahlungsplans sind Sie alle Schulden los, obwohl Sie nur einen Teil Ihrer Schulden zur\u00fcckgezahlt haben.<\/p>\n<\/div><div class=\"responsive-video\">\n<iframe width=\"780\" height=\"441\" src=\"https:\/\/www.youtube.com\/embed\/AxUYS-CgoDQ?si=5oxAX81yK6fkBtVp\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-margin-top:25px;\"><h2 style=\"--fontSize: 40; line-height: 1.2;\" data-fontsize=\"40\" data-lineheight=\"48px\" class=\"fusion-responsive-typography-calculated\"><span style=\"font-size: 25px;\" data-fusion-font=\"true\">Ablauf des Zahlungsplanverfahrens <\/span><br \/><\/h2>\n<p>Der Prozess beginnt mit der Einreichung eines Zahlungsplanantrages beim zust\u00e4ndigen Gericht. Der Schuldner muss dabei den Gl\u00e4ubigern einen angemessenen und erf\u00fcllbaren Zahlungsplan anbieten. Das bedeutet, man bietet \u00fcber mehrere Jahre eine fixe monatliche Ratenzahlung an. Diese muss einerseits den wirtschaftlichen M\u00f6glichkeiten des Schuldners entsprechen und andererseits auch realistisch genug sein, dass sie auch eingehalten werden kann.<\/p>\n<p>Bei Gericht stimmen dann die Gl\u00e4ubiger \u00fcber den vorgeschlagenen Zahlungsplan ab. Stimmt die sogenannte doppelte Mehrheit &#8211; d. h. eine Mehrheit an Kapital und K\u00f6pfen &#8211; dem Zahlungsplan zu, wird er angenommen und der Schuldner kann sich durch monatliche Ratenzahlungen von seinen Schulden befreien, ohne seine Gesamtschuld zur\u00fcckzuzahlen.<\/p>\n<h2 style=\"font-size: 25px; --fontSize: 25; line-height: 1.2;\" data-fusion-font=\"true\" data-fontsize=\"25\" data-lineheight=\"30px\" class=\"fusion-responsive-typography-calculated\">Was passiert, wenn sich das Einkommen des Schuldners sp\u00e4ter \u00e4ndert? <\/h2>\n<p>Eine sp\u00e4tere \u00c4nderung der Verm\u00f6genslage des Schuldners \u00e4ndert nichts an der H\u00f6he der vereinbarten Raten. Auch dann, wenn sich das Einkommen des Schuldners erh\u00f6ht oder dieser von dritter Seite Zuwendungen (Schenkungen, Erbschaften) erh\u00e4lt, bleibt es bei der urspr\u00fcnglichen Ratenh\u00f6he.<\/p>\n<p>Achtung! Der Abschluss eines Zahlungsplans kann nicht beantragt werden, wenn weniger als zehn Jahre davor ein Absch\u00f6pfungsverfahren eingeleitet wurde.<\/p>\n<h2 style=\"font-size: 25px; --fontSize: 25; line-height: 1.2;\" data-fusion-font=\"true\" data-fontsize=\"25\" data-lineheight=\"30px\" class=\"fusion-responsive-typography-calculated\">Kontaktieren Sie uns f\u00fcr eine unverbindliche Beratung<\/h2>\n<p>Sind Sie bereit f\u00fcr einen Neuanfang? Als Ihre Insolvenzanw\u00e4lte in Wien stehen wir Ihnen mit Kompetenz und Engagement zur Seite. Kontaktieren Sie uns, und wir besprechen, wie wir Ihnen den Weg zu einer schuldenfreien Zukunft ebnen k\u00f6nnen.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1664px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:50px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography2-font-family);font-weight:var(--awb-typography2-font-weight);font-style:var(--awb-typography2-font-style);margin:0;font-size:1em;letter-spacing:var(--awb-typography2-letter-spacing);text-transform:var(--awb-typography2-text-transform);--fontSize:30;line-height:var(--awb-typography2-line-height);\">FAQ &#8211; Oft gestellte Fragen<\/h2><\/div><style type=\"text\/css\">.fusion-faqs-wrapper #accordian-1 .fusion-panel { border-color:var(--awb-color6); }.fusion-faqs-wrapper #accordian-1 .fusion-panel:hover{ border-color: var(--awb-color6); }.fusion-accordian #accordian-1 .panel-title a .fa-fusion-box:before{ font-size: 15px;width: 15px;}.fusion-accordian #accordian-1 .panel-title a .fa-fusion-box{ color: var(--awb-color6);}.fusion-accordian  #accordian-1 .panel-title a{font-size:var(--awb-typography4-font-size);text-transform:var(--awb-typography4-text-transform);line-height:var(--awb-typography4-line-height);letter-spacing:var(--awb-typography4-letter-spacing);font-family:var(--awb-typography4-font-family);font-weight:var(--awb-typography4-font-weight);font-style:var(--awb-typography4-font-style);}.fusion-accordian  #accordian-1 .panel-title a:not(:hover){color:var(--awb-color6);}.fusion-accordian  #accordian-1 .toggle-content{font-size:var(--awb-custom_typography_2-font-size);text-transform:var(--awb-custom_typography_2-text-transform);line-height:var(--awb-custom_typography_2-line-height);letter-spacing:var(--awb-custom_typography_2-letter-spacing);color:var(--awb-color6);font-family:var(--awb-custom_typography_2-font-family);font-weight:var(--awb-custom_typography_2-font-weight);font-style:var(--awb-custom_typography_2-font-style);}.fusion-accordian #accordian-1 .panel-title a:hover,.fusion-accordian #accordian-1 .panel-title a.hover { color: var(--awb-color6);}.fusion-faq-shortcode .fusion-accordian #accordian-1 .fusion-toggle-boxed-mode:hover .panel-title a { color: var(--awb-color6);}.fusion-accordian #accordian-1.fusion-toggle-icon-unboxed .panel-title a:hover .fa-fusion-box,.fusion-accordian #accordian-1.fusion-toggle-icon-unboxed .panel-title a.hover .fa-fusion-box { color: var(--awb-color6); }.fusion-faqs-wrapper .fusion-accordian #accordian-1 .panel-title a.active{ color: var(--awb-color6) !important;}.fusion-faqs-wrapper .fusion-accordian  #accordian-1.fusion-toggle-icon-unboxed .fusion-panel .panel-title a.active .fa-fusion-box{ color: var(--awb-color6) !important;}<\/style><div class=\"fusion-faq-shortcode\" style=\"\"><div class=\"fusion-faqs-wrapper\"><div class=\"accordian fusion-accordian\"><div class=\"panel-group  fusion-toggle-icon-unboxed\" id=\"accordian-1\"><div class=\"fusion-panel panel-default fusion-faq-post fusion-faq-post-7264 privatkonkurs \"><div class=\"panel-heading\"><h3 id=\"faq_1-7264\" class=\"panel-title toggle\"><a data-toggle=\"collapse\" class=\"collapsed\" data-parent=\"#accordian-1\" data-target=\"#collapse-1-7264\" href=\"#collapse-1-7264\" aria-expanded=\"false\"><div class=\"fusion-toggle-icon-wrapper\"><div class=\"fusion-toggle-icon-wrapper-main\"><div class=\"fusion-toggle-icon-wrapper-sub\"><i class=\"fa-fusion-box active-icon fa-minus fal\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-plus fal\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div class=\"fusion-toggle-heading\">Deckt eine Rechtschutzversicherung die Anwaltskosten im Schuldenregulierungsverfahren (Privatkonkurs)?<\/div><\/a><\/h3><\/div><div id=\"collapse-1-7264\" aria-labelledby=\"faq_1-7264\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content post-content\"><p>Nein, Rechtsschutzversicherungen decken die Rechtsanwaltskosten im Schuldenregulierungsverfahren nicht.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default fusion-faq-post fusion-faq-post-7266 privatkonkurs \"><div class=\"panel-heading\"><h3 id=\"faq_1-7266\" class=\"panel-title toggle\"><a data-toggle=\"collapse\" class=\"collapsed\" data-parent=\"#accordian-1\" data-target=\"#collapse-1-7266\" href=\"#collapse-1-7266\" aria-expanded=\"false\"><div class=\"fusion-toggle-icon-wrapper\"><div class=\"fusion-toggle-icon-wrapper-main\"><div class=\"fusion-toggle-icon-wrapper-sub\"><i class=\"fa-fusion-box active-icon fa-minus fal\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-plus fal\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div class=\"fusion-toggle-heading\">Gibt es eine Obergrenze oder einen Mindestbetrag f\u00fcr das Verfahren?<\/div><\/a><\/h3><\/div><div id=\"collapse-1-7266\" aria-labelledby=\"faq_1-7266\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content post-content\"><p>Nein, f\u00fcr ein Schuldenregulierungsverfahren gibt es weder eine Ober- noch eine Untergrenze. Es macht immer dann Sinn, wenn der Schuldner nicht mehr in der Lage ist, seine Verbindlichkeiten zu bezahlen.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default fusion-faq-post fusion-faq-post-7268 privatkonkurs \"><div class=\"panel-heading\"><h3 id=\"faq_1-7268\" class=\"panel-title toggle\"><a data-toggle=\"collapse\" class=\"collapsed\" data-parent=\"#accordian-1\" data-target=\"#collapse-1-7268\" href=\"#collapse-1-7268\" aria-expanded=\"false\"><div class=\"fusion-toggle-icon-wrapper\"><div class=\"fusion-toggle-icon-wrapper-main\"><div class=\"fusion-toggle-icon-wrapper-sub\"><i class=\"fa-fusion-box active-icon fa-minus fal\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-plus fal\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div class=\"fusion-toggle-heading\">Ich war schon einmal im Privatkonkurs. Kann ich wieder ein Verfahren zur Entschuldung anstreben?<\/div><\/a><\/h3><\/div><div id=\"collapse-1-7268\" aria-labelledby=\"faq_1-7268\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content post-content\"><p>Grunds\u00e4tzlich ist das m\u00f6glich. Ist jedoch in der Vergangenheit ein Absch\u00f6pfungsverfahren gescheitert, so ist der Schuldner f\u00fcr 10 Jahre f\u00fcr ein neuerliches Verfahren gesperrt. Bei positiv abgeschlossenem Absch\u00f6pfungsverfahren ist ein neuerliches Absch\u00f6pfungsverfahren erst nach 20 Jahren (ab Erteilung der Restschuldbefreiung) m\u00f6glich.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default fusion-faq-post fusion-faq-post-7270 privatkonkurs \"><div class=\"panel-heading\"><h3 id=\"faq_1-7270\" class=\"panel-title toggle\"><a data-toggle=\"collapse\" class=\"collapsed\" data-parent=\"#accordian-1\" data-target=\"#collapse-1-7270\" href=\"#collapse-1-7270\" aria-expanded=\"false\"><div class=\"fusion-toggle-icon-wrapper\"><div class=\"fusion-toggle-icon-wrapper-main\"><div class=\"fusion-toggle-icon-wrapper-sub\"><i class=\"fa-fusion-box active-icon fa-minus fal\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-plus fal\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div class=\"fusion-toggle-heading\">Kann ein Einzelunternehmer einen Privatkonkurs anmelden?<\/div><\/a><\/h3><\/div><div id=\"collapse-1-7270\" aria-labelledby=\"faq_1-7270\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content post-content\"><p>Nein. Unternehmer m\u00fcssen ein Insolvenzverfahren vor dem Handelsgericht durchf\u00fchren. Wenn ein Einzelunternehmer einen Privatkonkurs anstrebt, muss zuvor der Betrieb des Unternehmens eingestellt werden und die Gewerbeberechtigung zur\u00fcckgelegt werden. Auch die entstandenen Schulden aus dem Unternehmen fallen dann in den Privatkonkurs. Im Anschluss ist ein Schuldenregulierungsverfahren, wie oben beschrieben, m\u00f6glich.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default fusion-faq-post fusion-faq-post-7272 privatkonkurs \"><div class=\"panel-heading\"><h3 id=\"faq_1-7272\" class=\"panel-title toggle\"><a data-toggle=\"collapse\" class=\"collapsed\" data-parent=\"#accordian-1\" data-target=\"#collapse-1-7272\" href=\"#collapse-1-7272\" aria-expanded=\"false\"><div class=\"fusion-toggle-icon-wrapper\"><div class=\"fusion-toggle-icon-wrapper-main\"><div class=\"fusion-toggle-icon-wrapper-sub\"><i class=\"fa-fusion-box active-icon fa-minus fal\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-plus fal\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div class=\"fusion-toggle-heading\">Gibt es Forderungen, die nicht im Privatkonkurs ber\u00fccksichtigt werden k\u00f6nnen?<\/div><\/a><\/h3><\/div><div id=\"collapse-1-7272\" aria-labelledby=\"faq_1-7272\" class=\"panel-collapse collapse\"><div class=\"panel-body toggle-content post-content\"><p>Ja, diese Forderungen gibt es. Vor allem Schulden aus Straftaten und Gesetzes\u00fcbertretungen (Strafzettel, Geldbu\u00dfen etc.) werden nicht anerkannt. F\u00fcr Forderungen im Zusammenhang mit Alimenten gelten ebenso gesonderte Regelungen.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:0px;--awb-margin-top:80px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1664px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-font-size:var(--awb-typography4-font-size);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography4-font-family);font-weight:var(--awb-typography4-font-weight);font-style:var(--awb-typography4-font-style);margin:0;font-size:1em;letter-spacing:var(--awb-typography4-letter-spacing);text-transform:var(--awb-typography4-text-transform);--fontSize:25;line-height:var(--awb-typography4-line-height);\">Kontaktieren Sie uns. 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style=\"--awb-padding-right-medium:0px;--awb-padding-right-small:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:50px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-font-size:38px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography2-font-family);font-weight:var(--awb-typography2-font-weight);font-style:var(--awb-typography2-font-style);margin:0;font-size:1em;letter-spacing:var(--awb-typography2-letter-spacing);text-transform:var(--awb-typography2-text-transform);--fontSize:38;line-height:1.1;\">Unsere Ansprechpartner zu diesem Thema<\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_3 1_3 fusion-flex-column person flex__column fusion-animated\" style=\"--awb-bg-size:cover;--awb-width-large:33.3333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:50px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.3333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-bottom:15px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\" style=\"border-radius:17px;\"><img decoding=\"async\" width=\"500\" height=\"650\" title=\"Mag. Jakob Leinsmer\" src=\"https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/2020\/05\/Mag.-Jakob-Leinsmer-1.jpg\" data-orig-src=\"https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/2020\/05\/Mag.-Jakob-Leinsmer-1.jpg\" alt class=\"lazyload img-responsive wp-image-769\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27500%27%20height%3D%27650%27%20viewBox%3D%270%200%20500%20650%27%3E%3Crect%20width%3D%27500%27%20height%3D%27650%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/2020\/05\/Mag.-Jakob-Leinsmer-1-200x260.jpg 200w, https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/2020\/05\/Mag.-Jakob-Leinsmer-1-400x520.jpg 400w, https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/2020\/05\/Mag.-Jakob-Leinsmer-1.jpg 500w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 500px\" \/><\/span><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:3px;width:100%;\"><\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-bottom:5px;--awb-font-size:var(--awb-typography4-font-size);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography4-font-family);font-weight:var(--awb-typography4-font-weight);font-style:var(--awb-typography4-font-style);margin:0;font-size:1em;letter-spacing:var(--awb-typography4-letter-spacing);text-transform:var(--awb-typography4-text-transform);--fontSize:25;line-height:var(--awb-typography4-line-height);\">Mag. Jakob Leinsmer<\/h2><\/div><div class=\"fusion-text fusion-text-3 fusion-text-no-margin\" style=\"--awb-margin-bottom:0px;\"><p>Rechtsanwalt<\/p>\n<\/div><div class=\"fusion-text fusion-text-4\"><p><a href=\"mailto:jl@begeads.eu\">jl@begeads.eu<\/a><\/p>\n<\/div><div class=\"fusion-text fusion-text-5\" style=\"--awb-text-color:var(--awb-color6);\"><p><span style=\"text-decoration: underline;\"><a href=\"https:\/\/begeads.eu\/glfuat\/author\/mag-jakob-leinsmer\/\">Alle Beitr\u00e4ge<\/a><\/span><\/p>\n<\/div><\/div><\/div>\n<div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_3 1_3 fusion-flex-column person flex__column fusion-animated\" style=\"--awb-bg-size:cover;--awb-width-large:33.3333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:50px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.3333333333%;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-bottom:15px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\" style=\"border-radius:17px;\"><img decoding=\"async\" width=\"500\" height=\"650\" title=\"Mag. Ju\u0308rgen-Friedrich-Diener\" src=\"https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/Mag.-Ju\u0308rgen-Friedrich-Diener.jpg\" data-orig-src=\"https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/Mag.-Ju\u0308rgen-Friedrich-Diener.jpg\" alt class=\"lazyload img-responsive wp-image-6710\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27500%27%20height%3D%27650%27%20viewBox%3D%270%200%20500%20650%27%3E%3Crect%20width%3D%27500%27%20height%3D%27650%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/Mag.-Ju\u0308rgen-Friedrich-Diener-200x260.jpg 200w, https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/Mag.-Ju\u0308rgen-Friedrich-Diener-400x520.jpg 400w, https:\/\/begeads.eu\/glfuat\/wp-content\/uploads\/Mag.-Ju\u0308rgen-Friedrich-Diener.jpg 500w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 500px\" \/><\/span><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:3px;width:100%;\"><\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-bottom:5px;--awb-font-size:var(--awb-typography4-font-size);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography4-font-family);font-weight:var(--awb-typography4-font-weight);font-style:var(--awb-typography4-font-style);margin:0;font-size:1em;letter-spacing:var(--awb-typography4-letter-spacing);text-transform:var(--awb-typography4-text-transform);--fontSize:25;line-height:var(--awb-typography4-line-height);\">Mag. J\u00fcrgen-Friedrich Diener<\/h2><\/div><div class=\"fusion-text fusion-text-6 fusion-text-no-margin\" style=\"--awb-margin-bottom:0px;\"><p>Konzipient, Junior Associate<\/p>\n<\/div><div class=\"fusion-text fusion-text-7\"><p><a href=\"mailto:jfd@begeads.eu\">jfd@begeads.eu<\/a><\/p>\n<\/div><div class=\"fusion-text fusion-text-8\" style=\"--awb-text-color:var(--awb-color6);\"><p><span style=\"text-decoration: underline;\"><a href=\"https:\/\/begeads.eu\/glfuat\/author\/mag-jakob-leinsmer\/\">Alle Beitr\u00e4ge<\/a><\/span><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Du hast Schulden und vor lauter Rechnungen den \u00dcberblick verloren? Der Gerichtsvollzieher steht vor der T\u00fcr? Oder wird dein Gehalt gepf\u00e4ndet? Schulden k\u00f6nnen viele Ursachen haben. Oft reicht ein \u00fcberteuerter Kreditvertrag oder ein privater Schicksalsschlag. Einmal in Geldnot, ist es oft schwierig, wieder rauszukommen.<\/p>\n","protected":false},"author":2,"featured_media":2972,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[198],"tags":[327,197,199,200,201,202,203,328,329,330],"class_list":["post-2971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-privatkonkurs","tag-abschoepfung","tag-konkurs","tag-privatkonkurs","tag-rechnungen","tag-schulden","tag-schuldenfrei","tag-schuldenregulierung","tag-schuldenregulierungsverfahren","tag-tilgungsplan","tag-zahlungsplan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v24.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Zahlungsplan - Mit fixen Raten aus der Schuldenfalle<\/title>\n<meta name=\"description\" content=\"Der Zahlungsplan ist eine Variante des Schuldenregulierungsverfahrens. 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