Geld auf Girokonto ab 2012 nicht pfändungssicher

Nach einer Änderung im Kontenrecht sind Geldbeträge auf dem Girokonto ab dem Jahr 2012 nicht mehr sicher vor Pfändungen und daher müssen betroffene Verbraucher jetzt handeln. Zur Zeit der Creditreform zufolge über sechs Millionen Verbraucher überschuldet. Die laufenden Ausgaben für Miete, Strom, Wasser, Lebensmittel und Versicherungen müssen die Betroffenen trotz Rückzahlung ihrer Schulden weiter finanzieren.

Die Schuldner sollten daher teilweise ihr Einkommen vor einer Pfändung schützen und wenn dies nicht erfolgt, dann dürfen die Banken das gesamte Geld an die Gläubiger überweisen. Beim Amtsgericht konnten sie bisher einen Pfändungsschutz für einen Teil ihrer monatlichen Einnahmen beantragen. Das normale Girokonto verfügt nun ab Januar 2012 über keinen Pfändungsschutz mehr und daher empfiehlt sich die Eröffnung eines Pfändungsschutzkontos.

Das Girokonto kann auf das so genannte P-Konto umgestellt werden und schützt vor einer Pfändung des darauf befindlichen Geldes. Der Bankkunde hat ab Januar 2012 keine Rückanforderungsansprüche mehr, wenn die Bank das gesamte Geld an die Gläubiger weiterleitet. Wer überschuldet ist, der sollte unbedingt auf ein P-Konto umsteigen und als nächsten Schritt seine Schulden so schnell wie möglich abbauen um wieder normal leben zu können.

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