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Auswirkungen des Gesetzes zur Reform des Kontopfändungsschutzes (KtoPfRefG) auf die schuldnerberaterische Praxis

Auswirkungen des Gesetzes zur Reform des Kontopfändungsschutzes (KtoPfRefG) auf die schuldnerberaterische Praxis

          
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About the Book

Studienarbeit aus dem Jahr 2010 im Fachbereich Soziale Arbeit / Sozialarbeit, Note: 1,7, Hochschule Fulda, Veranstaltung: Verwaltungsrecht und besondere Rechtsgebiete, Sprache: Deutsch, Abstract: Die Zahl der überschuldeten privaten Haushalte in Deutschland schwankt zwischen zwei und weit über drei Millionen. Zwischen 1999 und 2007 nutzten etwa 400.000 Privatpersonen die Möglichkeit des Verbraucherinsolvenzverfahrens, das seit 1999 in der neuen Insolvenzverordnung geregelt ist. Hinzu kommen etwa 300.000 Personen, die aus einer gescheiterten Selbstständigkeit heraus zahlungsunfähig werden. Neben der Einschränkung der sozialen Teilhabe ergibt sich für Menschen in Ver- und Überschuldungssituationen häufig das Problem, am wirtschaftlichen Leben nur noch eingeschränkt teilnehmen zu können. Speziell nach Kontopfändungen kündigen Banken den Betroffenen häufig das Girokonto. Bei negativen Einträgen in den Datenbanken von Kreditauskunfteien verweigern dann in der Regel auch andere Banken dem/der Betroffenen die Neueröffnung eines Kontos. Wer sich regelmäßig dazu äußern muss, warum er nicht über ein Girokonto verfügt und regelmäßig besondere Vereinbarungen zur Realisierung notwendiger Zahlungen beispielsweise als Barleistung treffen muss, wird nahezu zwangsläufig solche Situationen vermeiden. Wer sich zudem gegenüber potenziellen Arbeitgebern, bei der Wohnungssuche oder beim Versuch, sonstige Verträge zu schließen, als Schuldner offenbaren muss, erfährt Stigmatisierung, Ablehnung und Schuldzuweisungen. In der Frage einer Ermöglichung der Kontoführung auch bei Überschuldung bestand also Handlungsbedarf. Der Gesetzgeber hat hierauf mit dem Gesetz zur Reform des Kontopfändungsschutzes reagiert. Das Inkrafttreten dieses Gesetzes zum 1. Juli 2010 stieß in der medialen Öffentlichkeit auf großes Interesse. So wurde frühzeitig von den sich neu ergebenden Teilhabemöglichkeiten für Menschen in Überschuldungssituationen berichtet, die Führung eines Girokontos für jedermann - auch mit Ne


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Product Details
  • ISBN-13: 9783656058540
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 3 mm
  • Width: 148 mm
  • ISBN-10: 3656058547
  • Publisher Date: 30 Nov 2011
  • Height: 210 mm
  • No of Pages: 56
  • Series Title: German
  • Weight: 86 gr


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Auswirkungen des Gesetzes zur Reform des Kontopfändungsschutzes (KtoPfRefG) auf die schuldnerberaterische Praxis
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Auswirkungen des Gesetzes zur Reform des Kontopfändungsschutzes (KtoPfRefG) auf die schuldnerberaterische Praxis
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