Seit dem 1.4.2007 wird angespartes privates Altersvorsorgekapital im Fall der Insolvenz und Zwangsvollstreckung deutlich besser geschützt. Dies begünstigt in erster Linie Selbstständige, hat aber als dritte Schicht der Alterssicherung auch für Bezieher einer gesetzlichen Rente eine große Bedeutung. Verschont bleiben nicht nur private Lebens- und Rentenversicherungen, sondern auch Bank- und Fondssparpläne, wenn das Kapital unwiderruflich für die Altersvorsorge angelegt wird.
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1. Wie ist die Ausgangslage?

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2. Pfändungsschutz für das angesparte Altersvorsorgevermögen

a) Was sind die Bedingungen für den Pfändungsschutz?

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Pfändungsschutz auch für Hinterbliebene

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b) Welche Kapitalanlagen sind vor Pfändung geschützt?

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c) Umwandlung einer Lebensversicherung in einen Vertrag mit Pfändungsschutz

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d) In welchem Umfang bleibt Altersvorsorgevermögen geschützt?

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3. Pfändungsschutz für Arbeitseinkommen und Renten

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Xxx xxx Xxxxxxxxxx xxx xxx xxxxxxxx Xxxxxxxxxxxxxx xxxx xxx Xxxxxx xxxx Xxxxxxxxxx xxx xxxxxxxx Xxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxx, xxxxxx xxxxx xxx Xxxxxxxxx xxxxxxxxxxx xxxx. Xxx xxxxxxxxxxxx Xxxxxxxxxxx xxx, xxxxxx xxx Xxxxxxxxx xxxxx xxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxx, xx xxxxxx Xxxxx xxx xxxxxxxxx Xxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxx xx xxxxxxxxx. Xxxxxxxxxx xxx Xxxxxxxxxxxxxx xxxx Xxxxxx xxxxxxx xxx Xxxxxxxxxx xxx xxxxxxxxxxxxxxxxx xxxxxx, xxxxxx xxx xxxx xx xx XXxX xxxx xx xx Xxx. x XXX X xxxxxxxxxx xxxxxx xxxxxxx xxx xxxx Xx. xx XXXx.

Xxx Xxxxxxxxxxxxx xxxxxxx Xxxxxxx xxxx Xxxxxxxxx, Xxxxxxxxxx xxx Xxxxxxxxxxx xxxxx xxxxxxxxxx xxxxxx, xxxx xxx xxxxxxxx xx xxx Xxxxxxxxxxxxxxxxxx xxxxxxx xx xxxx Xx. x XXX. Xxxxxxxx xxxx Xxxxxxx xxxx Xxxxxxxx, Xxxxxxxxx xxxx xxx. Xxxxxxxxxxxxx xxx Xxxxxxxxx xxxxx xxxxxxxx. Xxxxxxxxxxxx xxx Xxxxx, xx xxxxxxx Xxxxxx xxx xxxxxxx Xxxxx Xxxxxxxxxx xxxx Xxxxxxxxx, Xxxxxxxxxx xxx Xxxxxxxxxxx xxx "xxxxxxx" xxx xxxxx xxxxxxxxxxx xxxxxxxxx xxxx, xxxx xx xxx Xxxxxxxx xx xx xx XXxX xxxxxxxxxxx xxxxxx xXXXxXxxxxx xxx xx.x.xxxx, xx XXX xxxxxxx.

4. Pfändungsschutz für bestimmte Renten

Xxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxx xxx xx xxxxx Xxxxxxxxxxxxxxxxxx xxx x.xxx XXX xxx xxxx Xxx. x Xx. x XXXx. Xxxxxx Xxxxxx xxx xxxxxxx xxxxxxxxxxx, xxxx xx xxx xxxxxxxxxxxxxxxxxx Xxxxxxx xxxx xxxx Xxxxxxxxxx xxxxxxxxxx xxx xxx Xxxxxxxxxxxx xxx Xxxxxx xxx Xxxxxxxxxxx xxxxxxxx xxxx. Xxxxx Xxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxx xxxxxxxxxx xxx xxxxxxxx xxxxxx xxxxxxxx, xxxx xxx xxxxx xxxxxxxx Xxxxxxxxxxxxxxxxxx xxx xxx xxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxx xxxxxx xxxx xXXXxXxxxxx xxx xx.xx.xxxx, XXX XX xxxxxx.

Xxxxxxxxxxx xxxx:

  • Xxxxxx, xxx xxxxx xxxxx Xxxxxxxxxx xxx Xxxxxxxx xxxx xxx Xxxxxxxxxx xx xxxxxxxxxx xxxx.
  • Xxxxxxxxxxxxxxxx, xxx xxx xxxxxxxxxxxx Xxxxxxxxxx xxxxxxx, xxxxx xxx xxxxx Xxxxxxxxxx xxxxx xxxxxxx Xxxxxxxxx xx xxxxxxxxxxxxx Xxxxxx.
  • xxxxxxxxxxxx Xxxxxxxxxx, xxx xxx Xxxxxxxxx xxx Xxxxxxxxxx xxxx xxxxx xxx Xxxxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxx xxxxx Xxxxxxx xxxx xxx Xxxxx xxxxx Xxxxxxxxxx xxxx Xxxxxxxxxxxxxxx xxxxxxx.
  • Xxxxxxx xxx Xxxxxxx, Xxxxxxx, Xxxxxx xxx Xxxxxxxxxxxxx, xxx xxxxxxxxxxxxxxx xxxx xx xxxxx xxxxxxxxxxxx Xxxx xx Xxxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxx, xxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx, xxx xxx xxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxx xxxx, xxxx xxx Xxxxxxxxxxxxxxxxxx x.xxx Xxxx xxxxx xxxxxxxxxxx.

Xxxxx Xxxxxxx xxxxxxx xxxx xxx xxxx Xxxxxxxxxxxxxxxx xxxxxxxxx Xxxxxxxxxxxx xxxxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxxxxxx xx xxx xxxxxxxx xxxxxxxxxx Xxxxxxxxx xxx Xxxxxxxxxx xx xxxxx xxxxxxxxxxxxxx Xxxxxxxxxxxx xxx Xxxxxxxxxxx xxxxx xxxxxxxx xxx xxxx xxxxxxxxxxxxxxx xxxxx xxxxxxx xxxx xxx xxxx xxxx xxx Xxxxxxxxxx xxx Xxxxxx, xxxxxxxxxxxx xxxx xxx Xxx xxx xxxxxxxxxxxxxxx Xxxxxxxxx xxx xxx Xxxxx xxx Xxxxxxx, xxx Xxxxxxxxx xxx Xxxxxxxxxx xxxxxxxxxx.

Xxxxxxxxxxx xxxx Xxxxxxx xxx Xxxxxxxxxxxxxxxxxxx, xxx xxxxx xxxxx Xxxxxxxxxx xxx Xxxxxxxx xxxx xxx Xxxxxxxxxx xxxxxxx xxxxxx. Xxxx xxxx xxxx xxxx, xxxx xxx xxx xxxxx xxxxxxxxxxxxx Xxxxxxxxx xxxxxxx xXX XxxxxxxxXxxxxx xxx xx.xx.xxxx, XXX xxxx X. xxxx.

5. Pfändungsschutz für sonstige Einkünfte

Xxxxxx xxxxx xxxxxxxxxxxxx xxxxxxxx Xxxxxxxxxxxx xxxx xxxxxxxxxxx xxxxxxxxxx Xxxxxxxx xxxx Xxxxxxxxxxx xxxxxxxx Xxxxxxxxxx, xxx xxxx Xxxxxxxxxxxxxxxx xxxx, xxxxxxxxxx, xx xxx xxx Xxxxxxx xxx Xxxxxxxxx xxx Xxxxxx xxxxxxxx xxxxx xxxxxxxxxxxx Xxxxxxxxx xx xxxx xx xxxxxxxx, xxx xxx xxxx xxxxxx Xxxxxxxxxx xxx Xxxxxxxx xxxxxxxxxx xxxxxx, xxxx xxxx Xxxxxxxxx xxx xxxxxxxxx Xxxxxxxx xxxx Xxxxxxxxxx xxxxxxxxx. Xxx xxx Xxxxxxxxxxxx xxxx xxx xxxxxxxxxxxxxxxx Xxxxxxxxxxxxx xxx Xxxxxxxxxx, xxxxxxxxxxxx xxxxx xxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxx, xxxx xx xxxxxxxxx. Xxx Xxxxxx xxx Xxxxxxxxxx xxx xxxxxxxx xxxxxxxxxx, xxx xxxxxxxxxxxxx Xxxxxxx xxx Xxxxxxxxxxx xxxxxxxxxxxxxx xxx xxxx Xxx. x XXXx.

Xxx Xxxxxxxxxxxxxxxxx xxx xxxxxxxxxxx, xxxx xxx "Xxxxxxxxxxxxxxxx xxxx xxxxxxxx Xxxxxxxxxx" xxxxxxx xx xxxx Xxx. x XXX xxxx xxxxxxxxxxxxx xxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxxx. Xxxx xxxxxxx xxx Xxxxxxxx Xxxxx xxx Xxxxxxxxxxxxxx, Xxxxxxxxxx xxx Xxxxxxxxxxxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XX XX xxxxxx.

  • Xxx Xxxx: Xxx Xxxxxxxxx xxxxxxxxx xx Xxxxxx xxxxxx xxxxxxxxx Xxxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxx, xxxx xxx Xxxxxxxxx xxx xxx Xxxxxxxxxxx xx xxxxx Xxxxxxxxxxx xx Xxxxx xxx xxx Xxxx xxxxxxxxx xxxxxxxxx xxxxxxxx xxxxxx. Xxxxxx Xxxxxxx xxxx xxxxxxx xxx Xxxxxxxxx xxxxxxxx Xxxxxxxxxx xxx, xxxxxx xxx Xxxxxxxxxxxxxxxx xxx xx xxxx Xxx. x XXX xxxxxx. Xxx Xxxxxxxxxxxxxxxxxx xxx xxxx xxxxxx xxxxxx. Xxxx xxx Xxxxxxxxxxxxxxxxx xxxxxx xxx Xxxxxxxxxxxxxxxx xxxx Xxxxxxxxx xxxxxxxx xxx Xxxxxxxxxxxx.
  • Xxx Xxxxxxxx xxx xx xxxx XXX xxx xxxx xxxxxxxxxx xxx xxxxxxx xxxxx xxxxxxxxxx Xxxxxxxxxx, xxx xxxxx Xxxxxxxxxxxxxxxx xxxxx. Xxxxx xxxxx xxx Xxxxxxxxx xxxxxxxx xxx Xxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxxx. Xxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxx xxxx xxxxxxxx Xxxxxxxxxx xxx xxxxx xxx Xxxxxxxxxxxx xxx Xxxxxxxxxx xxx xxx Xxxxxxxxxxxx xxx Xxxxxxxxxx. Xxxxxxxxxxxxx xxx xxxxxxxx xxx xxx xxxxxx Xxxxx xxxxxxxxxx Xxxxxx xxx xxxxxx xxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxx. Xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxx xxxxx xxxxxxxxxx Xxxxxxxxxx, xxx xxxxxx xxxxxxx xxx xxxxx xxxxxxxxxxxxx xxxxxxxxxxxxxx xxxxx. Xxxx xxxxxxx xxx Xxxxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxx, Xxxxxxxxxx xxx Xxxxxxxxxxx, Xxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxx.

Xxxxxx xxx xxx Xxxxxxxxxxxxxxxxx xxxxxxxxxxx, xxxx Xxxxxxxxxxxxxxxxxxxxxx xxxxx xx xxx "xxxxxxxxx Xxxxxxxxxxx" xxxxxxx xxx xxxxx xxxxx xxx Xxxxxxxxxxxxxxxx xxxxxxx xx xxxx XXX xxxxxxxxxxx. Xxx xxxxxxxx Xxxxxxxxxx xxxxx xxxx xxxxxxxxxxxxx xxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxx. Xxxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxx xxxxx xxxxxxxx. Xxxx xxx Xxxxxxxxxxxx xxx xx, xxxx xxx Xxxxxx, xxx xxx Xxxxxxxxx xx xxxxxx Xxxxxxxxxxxxxxx xxxxxxx, xxxxxxxxx xxx xxx xxxxxx xxxxxxxxxxxxxx xxxxxx xxxxxx. Xxxxxxxx xxxxxxx xxx Xxxxxxxxxx Xxxxx xxx Xxxxxxxxxxxxxx xxx xxxxx Xxxxxxxxxxx xxxxx Xxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxxx. Xxxxx xxx Xxxxxxxx xxxx xxxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxx xxxxxx Xxxxxxxxxxxxxxx xxxxx xxxxx xxxxxx, xxxxxxxxxxxxxxx Xxxxxxxxxxx xxxxxxxxxx xxxx. Xxx xxxxxxxxxxxxxxxx Xxxxxx xxx Xxxxxxxxxx xxx xxxxxx xxx Xxxxxxxxxxx xxxxx xxxxxxxxxxxx. Xxxx xxx Xxxxxx xxx xxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxx xx xxxxx xxxxxxxxxx Xxxxxxxxxxxx xxxxxxxxxxxx Xxxxxxxxxxx xx xxxxxxxxxxxxxxxx xXXXxXxxxxx xxx x.x.xxxx, XX XX xxxxxx.

6. Pfändungsschutzkonto

Xxxxxx xxxxxx xxx Xxxxxxxxx xxxxx Xxxxxxxxxx xxxx, xxxx xx xxxxxxxxxxxx xxxxxxxxx xxx. Xxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxxx xxx xxxxxxxxxx Xxxxxx, xxx Xxxxxxxxxxx xxx Xxxxx, Xxxxxxxxxxxxx, Xxxxxxxxxxxxxx xxx. xxxxxxx xxxx xxxxxx xxxxx xxx Xxxxx xxxxxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxxx xxxxx xxx Xxxxxxxx xx Xxxxx xxx xxxx xxx xxxxxxxxx Xxxxxxxxxxxx xxxxxxx.

Xx xxx x.x.xxxx xxxx xxx Xxxxxxxxxxxxxxxx xxxx Xxxxxxxxxx xxxxx Xxxxxxxxxxx xxxxx xxx. Xxxxxxxxxxxxxxxxxxxxx x"XxXxxxx"x xxxxxxxx xxxxxxxxxx. Xxx xxxxxx Xxxxx xxxxxxx xxx Xxxxxxxxx xxxx xxxx Xxxxxxxx xxxxx xxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxx xx Xxxxx xxxxxx Xxxxxxxxxxxxxxxxxxxxxx xxxxxxx xx xxxx XXX xxxxx xxxx xxx xxxx XXX, xx xxx XXxX, xx xx XXX Xx.

Xxx xxxxxxxx: Xxx xxxxxx Xxxxxx xxxxxxx xxxxxxxxxxxxxx, Xxxxxxxxxxxxx, Xxxxxxxxxxxxx, Xxxxxxxxxxxxxx xxx. xxxxxxxxx xxxxxx. Xxxxx xxxxx xx xxxxx xxxxxx xx, xxx xxxxxxx Xxxxxxxxxxx xxxxxx Xxxxxxxx xxxxxxxxx. Xxxxxxxx xxxxxxxxx xxxxx xxxx Xxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxx. Xxxxx Xxxxx xxxx xxx xxxxxx Xxxx xxxx Xxxxxxxxx xxxxxxxxx, xxxx xxxx Xxxxxxxxx xxx XxXxxxx xxxxxxxx xxxx.

Xxx Xxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxx xx xxxx XXX xxxxx Xxx xxxxx Xxxxx x.

Xxx xxxx xxx xxxxx Xxxxxx:

Pfändungsschutz nur auf dem P-Konto

Xxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxx xxxx xxx xxxx xxx Xxxxxxxxx xxxxxxxx xxxxxx. Xxxxxx xxxxxxxxx Xxxxx xXxXxxxxx xxxx xxxxx xxxx Xxxxxxxxxxxx xxxxxxxx Xxxx xxx Xxxxx xxxxxxxxxx. Xxx Xxxxxx xxxxx xxx, xxxx xxx Xxxxxxxx xxx Xxxxxxxxxx xxxxx xxxxxxx xxxxxxxxxxx Xxxxxxxxxx xx xxx XxXxxxx xxxxxxxxx xxx xxxx Xxxxxxxxxxxxxxx xxxxxxx. Xxx Xxxxxxxxxx xxxxx xxxxxxxxxxxx xxx Xxxxxxxxxxxx. Xxx Xxxxxxxx xxx xxx xxxx Xxxxxxxxxxx xxxxx XxXxxxxx xxxxxxx xxxxxxxxxx xxxxx.

Xx xxx x.x.xxxx xxxx xxx Xxxxxxxxxxxxxxxx xxx xxxx xxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xXxXxxxxx xxxxxxxxxxxxxx. Xxx xxxxxxx xxxx xxxxxxx xxx xxx Xxxx xxx xxxxxxx XxXxxxx xxxxxxxxxx. Xxxxxxxx xxx xxxxxxxx Xxxxxxxxxx xxxxxxxxxxx xxxx xxxxx xxxx xxx Xxxxxxxxxxxxxxxx. Xxxx xxx Xxxxxxxxx xxxxx xxxxxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxxxxxx xx xxxxxxxxxxxxx Xxxxxxxxxxx xxxxxxx. Xxx xxxxxxxxx xxxxxxxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxx xxx x.x.xxxx xxx.

XXXXXXXXX: Xxx Xxxx xxxx xxxx xxx Xxxxxxxxx, xxx xxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxx, xxxxx xxxxxxxx Xxxxxxxxx xxxxxxxxx xxx xxxx xxx xxxxxxxxxxxxx Xxxxxxxxx. Xxxxxxxxxxxxx Xxxxxxxxxx xx xxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxx xxx Xxxxxx xxxxxxxxxxxx xxx xxxx xxxxx xxxxxxx. Xxx Xxxx xxxxxxxx xxx xxx Xxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxxxxx xxxx xxxxxxxxxxx Xxxxxxx xxx xxxx xxxxx xxxxx xxxxxxxxxxxxx Xxxxxxxxx xxxxxxxxx xXXXxXxxxxxx xxx xx.xx.xxxx, XX XX xxxxxx xxx XX XX xxxxxxx XXXxXxxxxx xxx xx.x.xxxx, XX XX xxxxxxx.

Automatischer Pfändungsschutz

Xxx Xxxxxxxxxxxxxxxxxxxxx xx Xxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxx xx xxxx XXX xxxx xxxxx xxx xxxxx Xxxxxxxxxxx xxxxxxxxx x"Xxxxxxxxxxxxxxxxxxxxxxxxxxxxx"x. Xxx xxxxxxxxxxxx, xxxx xxx xxxxxxxx Xxxxxxxx xxxxxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxxxxxxxxxxx xxx. xxxxxxxxxxxxx xxxxxxxx xxxxxxxxx.

  • Xxx Xxxxxxxxxxxxxxxxx xxxx xxxx xxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxxxxx. Xxxxxxxx xxx xxxx xxxxxxxxxxxxx Xxxxx xxxxx xx xxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxx xxxxx xxxx xx. Xxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxx xxxxx Xxxxxxxxxxxxx xx xxxxx Xxxxx xxxxx xxxxxxxxxxxxxxxxx, xxxx xx xxx xxx xxxxxxxxxxxxx Xxxxx xxxxxxxxxxxxxxx. Xx xxxxxxxx Xxxxxxxx xxxx xxx Xxxxxxxxxxx Xxxxxxxxxxxx xxxx Xxxxxxxxxxxxxx xxxxxxxxxxxx, xxx xxxxx xxxxxxxxxxxxx, xxxxxxxxx xx xxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xx xxxxxxxxxxxxx xxxx xx. X. Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx.
  • Xxx xxx Xxx xxx Xxxxxxxxxxxxxx xxxxx xx xxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxx xxxx xx. Xxxxx xxxxxxxxxxx xxxx xxx Xxxxxxx, xxx Xxx xxx Xxxxxxxxxxxxxx xXxxxxxxxxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxxxxxxxxxxxxxxx xxx Xxxxx, Xxxxxxxxxxxxxxxxxxxxxxxx xxx.x xxxxxxxxxxxxxx Xxxxxxxx xxx Xxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx. Xxxx xxx Xxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxx xxx xxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxx Xxxxxxxxx xxxx xxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxx.
  • Xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxx xxxx xxxxx Xxxxxxxxxxx xxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xx. X. xxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxxxxxxx. Xxxx Xxxxxxxxxxxxx xxxx xxxx Xxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxx xx xxxxxxxxxxxxx xxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxx xxx Xxxxx xxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxx xxxxxxxxxx.

Be­son­de­rer Schutz für be­stimm­te Leis­tun­gen wie Kin­der­geld und So­zi­al­leis­tun­gen

Xxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxx x xxxx xxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxx XX x xxxxxxxx xxxxxxxxxx xxx xxxxx Xxxxxxxxxxxx xxx xxx XxxxxxxxxxXxxxxxx xxxxxxxx xxxxxxxxxxxx. Xxxxxxxxxxxx xxxxxx xxxxx xxxx xxxxxxxx xxxxxxxx Xxxxx xxxxxxxxxxxxxxx xxxxxxxx. Xxxxxxxxxxxxxx xxxx xxxxxxxxxxxxxxx xxxxxxxxxxxx. Xx xxxxx xxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxx. Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxxxxxxx xxxxx xxxxxxxxxxxxx.

Pfän­dungs­schutz für sämt­li­che Ein­künf­te Selbst­stän­di­ger

Xxx Xxxxxxxx xxxxxxx xxxxx xxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxx xxxxxxxxxxxxxx Xxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxxxxx Xxxxxxxxxxxx, xx xxx xxxxxxxxxxxxx Xxxxx xxxx Xxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxx.

Ver­mei­dung von Miss­bräu­chen beim P-Kon­to

Xxxx xxxxxxxxxxxxxxxxx Xxxxxxxx xxxx xxx xxx XxXxxxxxx xxxxxxxxx. Xxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxxxxxxxxxxx, xxx XXXXxxXX xxx Xxxxxxxxxxxxxxx xxxxx XxXxxxxxxx xx xxxxxxxx xxx xxx xxxxx Xxxxxxxx xxxxx Xxxxxxxx xxx Xxxxxxxxxx xxxxx XxXxxxxxxx xx xxxxxxxxxxxxxxxx, xx xxxx xxxxx Xxxxxxxx xxxxxxxxx xxx XxXxxxxxx xxxxxxxxx. Xxxxxxxxxxxxxxxxxxxxxxxxx xxxxx xxxxxxxxx xxxxx xxx xxxxx Xxxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxx xx xxx Xxxxx xxxx XXXXxxXXxXxxxxxxxxx xxx. Xxx Xxxxxxxxxx xxx XXXXxxXX xxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxx xxxxxxxxx xx xxx Xxxxxxxxx "XxXxxxxxx" xxxxxxxxxxxxx xxxxxxxx. Xxx Xxxxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxx, xxx xxx xxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxx xx xxxxxxxx, xx xx xxxxx xxxxxxxxxxxx xxxxxxxxxxxxxxxxxx Xxxxxx xxx xxxxx Xxxxxxxxxxxx xxx XxXxxxxxxx xxxxxxxxxxxxxxxxx. Xxx XXXXxxXX xxxx xxx xxxxxxxxxxxxxxxxxx Xxxxxxxxx xxx xxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxxxx, xxxxx xxxx xxx Xxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxx xxxx xxx Xxxxxxxxxxxxxx xxx xxx. XxxxxxXxxxxxxx. Xxxxxxxxxxxxxxx xx xxxxxxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxx xx Xxxxxxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxx Xxxxxxxxxxxxx xx xxx Xxxx xxxxxxxxxxx, xxx Xxxxxxxxxxxxx xxxxxxxxxxxx XxXxxxxxxx xx xxxxxxxxxxxxxxxx.

Xxxxxxxx:
Xxx xxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xx Xxxxx xxx x.xxx XXX xxxx xx Xxxxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxx xxxxx xxxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxx. Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxx xx xx. Xxxxx xx xxxxxxxxx xxx Xxxxxxxxxxxx xx Xxxxx xxx x.xxx XXX.
xx Xxxxxxxx Xxxxxxxxxxxxxx
Xxx xxx Xxxxxxxxxxx xxxx xxx Xxxxxxxxxxx xxxxx xxxx xxxxx xxxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxx. Xxx Xxxxxxxxxxxxxxxxxxxx, xxx xxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxx xxxx, xxx xxx xxx Xxxx xxx xxx Xxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxx xxxxx xx xxxxxxxxxxxxxxxxxxxxxxxx. Xxx xxxxx Xxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxx xxxx xxxx Xxxxxxxxxxxx xxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxx. Xx xxx Xxxxxxxxxxx xxxxx: xx. xxx Xxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxx: x. xxx Xxxxxxxxx xxxxx, xxxx xxx Xxxxxxxxxxx xxxx xxx xxxx xxxxxxxxxxxxxxx Xxxxxxxxxxxx xxxxxxxx Xxxxxxxxxxxxxxxxxxxxxx xxxx xxx Xxxx xxx xxx Xxxxxxxxxxx xxxxx: xx. xxx Xxxxxxxxx xxx xxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxx: x. xxx Xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxx. Xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxx xx xxx Xxxxxxxx xx xxxxxx. Xx xxxx xxxx xxxxx xxxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxx xxxxxxxxxxxxx xxxxxxxxxxxx, xxxxx xxx Xxxxxxxxxxx xxx xxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxxxxxxxxxxxxx Xxxxxxxxxxxxx xxxxxxxxxxxxxx xxx xxxxx xxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxx xxxx xxx xxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx.

Xxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxxxxx xxx xxxxx xxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxx xxxxx xxx Xxxxxxxxx:

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Xxxxxxxxxxxxxxx Xxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxxx Xxxxxxxxxxx xx xx xxxx XXXx

xxxx,xx XXX

xx,xx XXX

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Xxxxxxxxxxxxxxxxxxxxxx Xxxxxxxx xxxx xxx Xxxx xxx xx. xxx xx. Xxxx:

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x xxx,xx XXX

Xxxxxxxxxxxxxxxxxx xxx xxx Xxxxxxxx xx Xxxxx xxx xxx,xx XXX xxx xxxxx xxx Xxxxxxxxx xxxxxxxxxxxxxxxxx.

xx Xxxx Xxxxxxxxxxxxxx

Xxx Xxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxx xxxxx xxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxx xxx,xx Xxxx xxx xxx XxxxxxxxxxXxxxxxx. Xx xxxxxxxx xxxxxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxx xxxx xxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxx xxxxxxxxxxx. Xxx Xxxxxxxxxxx xxx x xxx xxxxxxxx x xxxx xxx Xxxxxxxxxxxxxxxx, xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxx xx xxxxxxxxxxxxxxxx, x. X. xxxxx xxxxx xxxxxxxxxxxxx Xxxxxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxx xxx.

7. Gesetzliche Grundlagen

§ 850 ZPO - Pfändungsschutz für Arbeitseinkommen

xxx Xxxxxxxxxxxxxxxx, xxx xx Xxxx xxxxxxx xxx, xxxx xxx xxxx Xxxxxxxx xxx xxxx xxxx xxx xxxx xxxxxxxxxx xxxxxx.

xxx Xxxxxxxxxxxxxxxx xx Xxxxx xxxxxx Xxxxxxxxxx xxxx xxx Xxxxxxx xxx Xxxxxxxxxxxxxxxxxx xxx Xxxxxxx, Xxxxxxxx xxx Xxxxxxxxxxxx, Xxxxxxxxxx xxx xxxxxxxxx xxxx xxx xxxxxxxxxxxxx xxxx xxxxxxxxx Xxxxxxxxxxx xxx xxx Xxxxxxx xxxx Xxxxxxxxxxxxxxxxxx xxxxxxxxx xxxxxxxxxxxx Xxxxxxxxxx, xxxxxx Xxxxxxxxxxxxxxxxxxxxxx xxxxx xxxxxxxx Xxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxx xxxxx Xxx, xxx xxx Xxxxxxxxxxxxxxxxx xxx Xxxxxxxxxx xxxxxxxxxxxx xxxx xx xxxxx xxxxxxxxxxxx Xxxx xx Xxxxxxxx xxxxxx.

xxx Xxxxxxxxxxxxxxxx xxxx xxxx xxx xxxxxxxxx Xxxxxxx, xxxxxx xxx xx Xxxx xxxxxxx xxxx:

xx Xxxxxxx, xxx xxx Xxxxxxxxxxxx xxx Xxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxx xxx Xxxx xxxx Xxxxxxxxxx xxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxx xxxxx

xx Xxxxxx, xxx xxx Xxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxx, xxxx xxxxx Xxxxxxxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxx xxxxxx xxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxx xxxxxxxxxxx xxxx.

xxx Xxx Xxxxxxxxx xxx xx Xxxx xxxxxxxxx Xxxxxxxxxxxxxxxxx xxxxxxx xxxx Xxxxxxxxxxxx, xxx xxx Xxxxxxxxx xxx xxx Xxxxxxxx xxxx Xxxxxxxxxxxxxx xxxxxxxx, xxxx Xxxxxxxxxx xxx xxxx Xxxxxxxxx xxxx Xxxxxxxxxxxxxx.

§ 850b ZPO - Bedingt pfändbare Bezüge

xxx Xxxxxxxxxxx xxxx xxxxxx

x. Xxxxxx, xxx xxxxx xxxxx Xxxxxxxxxx xxx Xxxxxxxx xxxx xxx Xxxxxxxxxx xx xxxxxxxxxx xxxxx

x. Xxxxxxxxxxxxxxxx, xxx xxx xxxxxxxxxxxx Xxxxxxxxxx xxxxxxx, xxxxx xxx xxxxx Xxxxxxxxxx xxxxx xxxxxxx Xxxxxxxxx xx xxxxxxxxxxxxx Xxxxxxx

x. xxxxxxxxxxxx Xxxxxxxxxx, xxx xxx Xxxxxxxxx xxx Xxxxxxxxxx xxxx xxxxx xxx Xxxxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxx xxxxx Xxxxxxx xxxx xxx Xxxxx xxxxx Xxxxxxxxxx xxxx Xxxxxxxxxxxxxxx xxxxxxxx

x. Xxxxxxx xxx Xxxxxxx, Xxxxxxx, Xxxxxx xxx Xxxxxxxxxxxxx, xxx xxxxxxxxxxxxxxx xxxx xx xxxxx xxxxxxxxxxxx Xxxx xx Xxxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxx, xxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx, xxx xxx xxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxx xxxx, xxxx xxx Xxxxxxxxxxxxxxxxxx x.xxx Xxxx xxxxx xxxxxxxxxxx.

xxx Xxxxx Xxxxxxx xxxxxxx xxxx xxx xxxx Xxxxxxxxxxxxxxxx xxxxxxxxx Xxxxxxxxxxxx xxxxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxxxxxx xx xxx xxxxxxxx xxxxxxxxxx Xxxxxxxxx xxx Xxxxxxxxxx xx xxxxx xxxxxxxxxxxxxx Xxxxxxxxxxxx xxx Xxxxxxxxxxx xxxxx xxxxxxxx xxx xxxx xxxxxxxxxxxxxxx xxxxx xxxxxxx xxxx xxx xxxx xxxx xxx Xxxxxxxxxx xxx Xxxxxx, xxxxxxxxxxxx xxxx xxx Xxx xxx xxxxxxxxxxxxxxx Xxxxxxxxx xxx xxx Xxxxx xxx Xxxxxxx, xxx Xxxxxxxxx xxx Xxxxxxxxxx xxxxxxxxxx.

xxx Xxx Xxxxxxxxxxxxxxxxxxxxx xxxx xxx xxxxxx Xxxxxxxxxxxx xxx Xxxxxxxxxxx xxxxxx.

§ 850c Pfändungsgrenzen für Arbeitseinkommen (Werte ab 1.7.2017)

xxx Xxxxxxxxxxxxxxxx xxx xxxxxxxxxxx, xxxx xx, xx xxxx xxx Xxxxxxxx, xxxx xxx xx xxxxxxx xxxx, xxxxx xxxx xxx
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xxxx xxx xxxxxx xxx xxxxxxx Xxxxxx.

xxx xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxx Xxxxxx, xxx xx xxxxxx Xxxxx xx xx xxxx xxx Xxxx xxx Xxxxxxxx, xxxxx xxx Xxxxxxxxx Xxxxxxxxx xxxxxxxx, xxxx Xxxxxx x xxxxxxxxxxx xxx, xx xxx xx xxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxx Xxxxxxxx xx xxxxx Xxxx xxxxxxxxxxx, xxx xxxx xx Xxxxx xxx xxxx Xxxxxxxx, xxxx xxx Xxxxxxxxx xxxxxx xxx xx Xxxxxx x xxxxxxxxx Xxxxxxxx Xxxxxxxxx xxxxxxxx, xxxx xxxxxxxx Xxxxxxxx xxxx xxx xxxxx Xxxxxx, xxx Xxxxxxxxx xxxxxxxx xxxx, xxx xx xxxxx xxxxxxxx Xxxxxxx xxxx xxx xxxxxx xxx xxxxxxx Xxxxxx. Xxx Xxxx xxx Xxxxxxxxxxxxxxxxx, xxx x.xxx,xx Xxxx xxxxxxxxx, xxx,xx Xxxx xxxxxxxxxxxx, xxx,xx Xxxx xxxxxxxx xxxxxxxxxxx, xxxxxx xxx xxx Xxxxxxxxxx xxx xxxxxxxxxxxxx Xxxxxxxx xxxxxxxxxxxxxxxxx.

xxxx Xxx xxxxxxxxxxxxx Xxxxxxxx xxxx Xxxxxx x xxx Xxxxxx x Xxxx x xxxxxxx xxxx xxxxxxx xxx x. Xxxx xxxxx xxxxx xxxxxxx Xxxxxx, xxxxxxxxx xxx x. Xxxx xxxx, xxxxxxxxxxxx xxx xx Xxxxxxxxx xxx xxxxxxxxxx Xxxxxxxxxxxxxxxxx xxxx xxxxxxxxxx xxxxxxxxxxxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxxx xx xxx Xxx. x Xx. x xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxx xxx xxx xx x. Xxxxxx xxx xxxxxxxxxx Xxxxxx xxxxxxxx Xxxxxxx xxx xx xxx Xxx. x Xx. x xxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxx xx xxxxx. Xxx Xxxxxxxxxxxxxxxxx xxx Xxxxxx xxxx xxx xxxxxxxxxxxx Xxxxxxxx xxxxxxxxxxx xx Xxxxxxxxxxxxxxxxx xxxxxxx.

xxx Xxx xxx Xxxxxxxxxx xxx xxxx Xxxxxx x xxxxxxxxxxx Xxxxx xxx Xxxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxx, xxxxxxxxxxxxxx xxxx Xxxxx xxx xxxx Xxxxxx x Xxxx x xxxxxxxxxxx Xxxxxxxx, xxx xxx xxx Xxxxxxx xxxxxxxxxxx, xxx xxxxxx Xxxxxx xxx Xxxxxx xxxxxxxxxx xxx, xxxx xxxxx xxxxxxxxxx, xxx xxxx xxx Xxxxxxxxxx xxxx Xxxxxx xxx xxxxx xxxxx xx Xxxx, xxx Xxxxxxxxxx xxxx Xxxxxx xxx xxxxx xxxxx x,xx Xxxx xxxx xxx Xxxxxxxxxx xxxx Xxxx xxx xxxxx xxxxx xx Xxxx xxxxxxxxx Xxxxxx. Xx Xxxxxxxxxxxxxxxxxxx xxxxxxx xxx Xxxxxxxxxx xxx xxx Xxxxxxx.

xxx Xxx xxxx Xxxxxx, xxxxxxx xxx Xxxxxxxxx xxx Xxxxx xxxxxxxxxxxx Xxxxxxxxxxxxx Xxxxxxxxx xxxxxxxx, xxxxxx Xxxxxxxxxx, xx xxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxx Xxxxxx xxx Xxxxxxxxxxx xxxx xxxxxxxx Xxxxxxxx xxxxxxxxx, xxxx xxxxx Xxxxxx xxx xxx Xxxxxxxxxx xxx xxxxxxxxxxxxx Xxxxx xxx Xxxxxxxxxxxxxxxxx xxxx xxxx xxxxxxxxx xxxxxxxxxxxxxxxxx xxxxxxx xxxx xxx Xxxxxx xxx xxxxxxxxx xxxxxxxxxxxxxxx xxxxxx, xx xxx Xxxxxx x Xxxx x xxxxx xxxxxxxxxx.

§ 850e ZPO - Berechnung des pfändbaren Arbeitseinkommens

Xxxx xxx Xxxxxxxxxx xxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxx xxxx Xxxxxxxxx:

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xx. Xxx Xxxxxxxxxxxxxxxx xxxx xxx Xxxxxx xxxx Xxxxxxxxxx xxx xxxxxxxx Xxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxx, xxxxxx xxxxx xxx Xxxxxxxxx xxxxxxxxxxx xxxx. Xxx xxxxxxxxxxxx Xxxxxxxxxxx xxx, xxxxxx xxx Xxxxxxxxx xxxxx xxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxx, xx xxxxxx Xxxxx xxx xxxxxxxxx Xxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxx xx xxxxxxxxx. Xxxxxxxxxx xxx Xxxxxxxxxxxxxx xxxx Xxxxxx xxxxxxx xxx Xxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxx xxxxxx, xxxxxx xxx xxxx xx xx xxx Xxxxxxxxxxxxxxxxxxxxxxx xxxx xxxx xx xx Xxx. x xxx Xxxxxx Xxxxxx Xxxxxxxxxxxxxxxx xxxxxxxxxx xxxxxx xxxxxxx.

§ 850k ZPO - Pfändungsschutz für Guthaben auf dem Pfändungsschutzkonto

xxx Xxxx xxx Xxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxx xxxxxxxxxx, xxxx xx xxx xxx Xxxx xxx Xxxxxxxxxxxxxx, xx xxx xxx Xxxxxxxxx xxxxxxx xxx, xxxxxxxx xxxxx xxx xxx Xxxxxxxxx xxx xxxxx, xxx xx xxx xxxxxxxxxxx Xxxxxxxxxx xxxx xx xxxx Xxx. x Xxxx x xx Xxxxxxxxxx xxx xx xxxx Xxx. xx xxxxx xxxxxxxxxxx. Xxxxxxxxx xxxx xxx Xxxxxxxxx xxxx xxx xxx xx xxx xxx xxx Xxxxxxxxxxxxxxx xxxxxxxxx Xxxxxxxxxxxxxxx xxxxxxxxxxxx Xxxxxxxx, xxxx Xxxx x xxxxxxxxxxxx. Xxx xxx Xxxxxxxxx xxxxx xxxx xxxxx xxxxxxxxxxxx xxxxxxxxx xxx xxxxxxxxxx Xxxxxxxxxxxxxx xxxxx xxx xxx xxx Xxxxxxxxx xxxx xxx Xxxxxxx x xxx x xxxxx xxxxxxxxx Xxxxxx xxxxxxxx, xx xxxxxxx xxxx xxx Xxxxxx xxxx xxx xxxxxxxxx Xxxxxxxxxxxxx xxxxxxxxxxxx.

xxx Xxx Xxxxxxxxx xxx Xxxxxxxxx xxxx xx xxxxxxxx xxx xxx xxx Xxxxxxxx xxxxxxxxxxxxx, xxxx xx Xxxxxxxxxx xxx Xxxxxxxxxxxx xxxx Xxxxxx x xxxxxxxx Xxxxxxxx xxxxx xxx xxx Xxxxxxxxx xxxxxxx xxxx:

x. xxxxxxx xxxx xxx Xxxxx xxx Xxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxx Xxxxxxxx xxxx xx xxxx Xxx. x Xxxx x xx Xxxxxxxxxx xxx xx xxxx Xxx. xx Xxxx x, xxxx

xx xxx Xxxxxxxxx xxxxx xxxx xxxxxxxx Xxxxxxxx xxx Xxxxx xxxxxxxxxxxx Xxxxxxxxxxxxx Xxxxxxxxx xxxxxxxx xxxx

xx xxx Xxxxxxxxx Xxxxxxxxxxxxxx xxxx xxx Xxxxxxx xxxx Xxxxxxxxx Xxxx Xxxxxxxxxxxxxxxx xxxx xxx xxx xx xxxxx Xxxxxxxxxxxx xx Xxxxx xxx xx x Xxx. x xxx Xxxxxxx Xxxxxx Xxxxxxxxxxxxxxxx xxxx xxx xxxx xx, xx, xx Xxxx x xxxx xx xxx Xxxxxxxxx Xxxxxx Xxxxxxxxxxxxxxxx xxxxxxx Xxxxxxxx, xxxxx xx xxxxx xxx Xxxxx xxxxxxxxxxxx Xxxxxxxxxxxx xxx Xxxxxxxxx xxxxxxxxxxxx xxx, xxxxxxxxxxxxxx

x. Xxxxxxxxxxxx xxx xxxxxxxxxx Xxxxxxxxxxxxxx xx Xxxxx xxx xx xx Xxx. x xxx Xxxxxx Xxxxxx Xxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxx xxx Xxxxxxxxx xxx xxxxx xxxxx Xxxxxxxx xxxx Xxxxxxxxxxxxxxxxxx xxxxxxxxx Xxxxxxxxxxxxx xx Xxxxx xxx xx xx Xxx. x Xx. x xxx Xxxxxx Xxxxxx Xxxxxxxxxxxxxxxxx

x. xxx Xxxxxxxxxx xxxx xxxxxx Xxxxxxxxxxxxxx xxxx Xxxxxx, xx xxx xxxx, xxxx xxxxx xxxxx Xxxxxxxxxxxxxxxxxxx xxxxx Xxxxxx, xxxx xxx xxx Xxxxxxxxxx xxxxxxxx xxxx xxx xxx xx xxxxxxxxxxxxxxx xxxx, xxxxxxxxxx xxxx.

Xxxx xxx Xxxxxxxx xxxx Xxxxxx x xxxx Xxxxxx x Xxxx x xxx x xxxxxxxxxxxx.

xxx Xx xxx Xxxxxx xxx xxxx Xxxxxx x xxx Xxxxxx x Xx. x xxxxxxxxxxxxxxxx Xxxxxxxx xxxxx

x. xxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxx xxxxxxx xxxxxxxxxxxxxxx Xxxxxxxxxxx xxx xxxxxxxxxxxx Xxxxxx, xxxx xx xxx xxxxxxxxxxxxxxxx Xxxx xxx Xxxxxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxx xxxxxxxxxx

x. xxx xxx Xxxxxxxxxxxxxxxxxxxxx xx Xxxxxxxxxxxxxxxxxxx xxxxxxxxx Xxxxxx, xxxx xxx Xxxxxxxx xxxxx xxx xx xx xxxx xxxxxxxxxxxx Xxxxxxxxxxx xxxxxxxxxx xxxx.

xxx Xxx Xxxxxxxxxxxxxxxxxxxxx xxxx xxx Xxxxxx xxxxx xxx xxx Xxxxxxxxx x, x Xx. x xxx Xxxxxx x xxxxxxxxxxxx xxxxxxxxxxxxxxxx Xxxxxx xxxxxxxxxx. Xxx xxxx xxxx, xxxx, xxxx, xxxx Xxx. x xxx x, xxx xxxx xxxx, xxxx, xxxx xxx xxxx xxxxx xxx xxxx xxxx xxx xxxx xxxx xxxxxxxxxxxx xxxxxxxxxx. Xx xxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxx xxxxxx, xxx xx xx xxx Xxx. x xxxxxxxxxxxx Xxxxxxxxxxx xx xxxxxxxx.

xxx Xxx Xxxxxxxxxxxxxx xxx xxx Xxxxxxxxx xxx Xxxxxxxx xxx xxx xxxx xxx Xxxxxxxxx x xxx x Xx. x xxxxx xxx xxx Xxxxxxxxx xxxxxxxxx Xxxxxxxx xx Xxxxxx xxx Xxxxxxxxxxxxx xxxxxxxxxxxx. Xxxx Xxxxxxx xxx Xxxxxxxxxxxxxxx xxx Xxxxxxxx xx xxx Xxxxxxxxx xx Xxxxxx xxx Xxxxxxxxxxxxx xxx xxx xxxx xxx Xxxxxxxxx x xxx x Xx. x xxxxx xxx xxx Xxxxxxxxx xxxxxxxxx Xxxxxxxxx xxxxxxx xxx xxxxxxxx, xxx xxx Xxxxxxxxx xxxxx xxxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxx, xxx Xxxxxxxxxxxxx, xxx Xxxxxxxxxxxxxxxxxxxxxxx xxxx xxxxx xxxxxxxxxx Xxxxxx xxxx Xxxxxx xx Xxxxx xxx xx xxx Xxx. x Xx. x xxx Xxxxxxxxxxxxxxxx xxxxxxxxx, xxxx xxx Xxxxxxxx xxxxx xxx xxx Xxxxxxxxx xxxxxxx xxx. Xxxx xxx Xxxxxxxxx xxx Xxxxxxxx xxxx Xxxx x xxxxx xxxxxxx, xx xxx xxx Xxxxxxxxxxxxxxxxxxxxx xxx Xxxxxx xxx Xxxxxxxx xxxx xxx Xxxxxxxxx x xxx x Xx. x xx xxxxxxxxx. Xxx Xxxxxx x xxx x xxxxxx xxxx xxxx xxxx Xxxxxxxxxxxx.

xxx Xx xxxxx Xxxxxxxxxxx xx Xxxxx xxx xx xxxx xxx Xxxxxxxxxxxxx Xxxxxxxxxxx xxxxxxx xxx Xxxxxxxxxxxxxx xxx xxx Xxxxx, xxx xxxx xxxxxxxxxxx Xxxxxx xxx, xxxxxxxxxxx, xxxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxx. Xxx Xxxxx xxxx xxxxxxxxx xxxxxxxxx, xxxx xxx Xxxxxxxxxxxxxx xxxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxx xxx xxx Xxxxxxxx xxx Xxxxxxxxxx xxxxxxx xxxxxxxxxx xxxxxx, xx xxxx xxx Xxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxxx xxx Xxxxxx xxx xxxxxxxxx Xxxxxxxxxxxxxx xxxxxxxx xxxxxx. Xxxx Xxxxxx xxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxx. Xxx xxx Xxxxxx xxx xxx Xxxxxxxxx xxxxxxxxxx xxx Xxxxxxxxxxxxxx xx xxxxxxxxxx, xxxx xx xxx xxxxxxxx Xxxxxxxxxxxxxxxxxxxxx xxxxx xxxxxx.

§ 850l ZPO - Pfändungsschutz für Kontoguthaben aus wiederkehrenden Einkünften

xxx Xxxxxx xxx xx xxx xxxx xxx xxx xxxx xxxxx xxx xx xxx xxxx xxxx xxx xxxx xxxxxxxxxxxx xxxxxxxxxxxxxxx Xxxxxxxxxx xxx xxx Xxxxx xxx Xxxxxxxxxx, xxx xxx Xxxxxxxxxxxxxx xxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xx Xxxxx xxx xx xxxx Xxx. x xxxxxxxx xxxx, xxxxxxxxxxx, xx xxx xxxx Xxxxxxxxx xxx Xxxxxxxxx xxx Xxxxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxxxxxx, xxx xxx Xxxxxxxx xxx xxx Xxxxxxxxx xxxxx xxxxxxxxxxxxx Xxxx xxx Xxxxxxxxxx xxxx xxx Xxxx xxx xxx Xxxxxxxxx xxx xxx xxxxxxxxx Xxxxxxxxxxxxxx xxxxxxxxxx.

xxx Xxx Xxxxxxxxxxxxxxxxxxxxx xxxx xxx Xxxxxxxxx xxx Xxxxxxxxx xxxx xxx Xxxx xxxxx xxx, xxxxxx xxx Xxxxxxxxx xxx xxx xxxxxxxxx Xxxxxxxxxxxxxx xxxxxxxx xxxxxx, xx xxxxxx xxxxxxxxxxx Xxxxxxxxx xx xxxxxxxxxx xxx xxxxx xxxxxxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxxx xxx xxx Xxxxxxxxxx xxxxxxxxxxx Xxxxxxxxxxxx xx xxxxxxxxx xxxx xxx xxx Xxxxxxxxxx xxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxx xx xxxxxxxxxxx. Xxx xxxxx xxxxxxxxxxxx Xxxx xxx Xxxxxxxxx xxxx xxx Xxxxxx xxxxx xxxxxxxxxxxx, xxx xxx Xxxxxxxxx xxxxxxxxxxxxxxx xxxx Xxxxxx x xx xxxxxxxx xxx. Xxx Xxxxxxxxx xxx xxxxxxxxx xx xxxxxx, xxxx xxxxxxxxxxxxxx Xxxxxxxxxx xxx xx xxx xxxx xxx xxx xxxx, xx xxxx xxxx xx xxxx xxxxxxxxxxxx Xxx xxx xxx Xxxxx xxxxxxxxxxx xxxxxx xxxx xxx xxxx xxx Xxxxxxxxxxxxxxx xxx Xxxxxx x xxxxxxxxx. Xxx Xxxxxxxxx xxx Xxxxxxxxxxx xxxxxxxxxxx, xxxx xxx xxxxx xxxxxxxxxx Xxxxxxxx xxx Xxxxxxxxx xxxxx xxxxxxxxx xxx.

xxx Xx xxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxx xxxxxx, xxx xx xx xxx Xxx. x xxxxxxxxxxxx Xxxxxxxxxxx xx xxxxxxxx.

xxx Xxx Xxxxxx xxx Xxxxxxxxxx xxx xxxxx xxxxxxxxx, xxxx xx xxx Xxxxxxxxxxxxxxxxxxxxx xx Xxxxx xxx xx xxxx Xxx. x xxx xxxxx Xxxxxxxxxxxxxx xxxxxx. Xxxx xxx xx xxx xxxxxx Xxxxxx xxxxxxxxx xx xxxxxx.

§ 851c ZPO - Pfändungsschutz bei Altersrenten

xxx Xxxxxxxxxx xxx Xxxxxxxxxx, xxx xxx Xxxxx xxx Xxxxxxxxxx xxxxxxxx xxxxxx, xxxxxxx xxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxx xxxxxx, xxxx

x. xxx Xxxxxxxx xx xxxxxxxxxxxxxx Xxxxxxxxxxxxxx xxxxxxxxxx xxx xxxxx xxx Xxxxxxxxxx xxx xx. Xxxxxxxxxxxx xxxx xxx xxx Xxxxxxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxx,

x. xxxxx xxx Xxxxxxxxxx xxx xxx Xxxxxxx xxxxx xxxxxxxx xxxxxx xxxx,

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xxx Xx xxx Xxxxxxxxx xxx Xxxxxx xxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxx xx xxxxxxxxxxxx, xxxx xx xxxxx Xxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxx xxx xxx Xxxxxxxxxxxx, xxx Xxxxxxxxxxxxxxxxxxxxx xxx xxx Xxxxx xxx Xxxxxxxxxxxxxxxxxxxx, xxxx xxxxxx Xxxxxxxxxxx xxxxxxxxxx, xxxxxxxxx xxxxx xxxxxxxxxx Xxxxxx xxxxxxxxxxx xxx xxx Xxxxxxxxx xxxxx xx Xxxxxx x xxxxxxxxxxxx Xxxxxxxx xxx xx xxxxx Xxxxxxxxxxx xxx xxx.xxx Xxxx xxxxxxxxx. Xxx Xxxxxxxxx xxxx xxx xx. xxx xxx xxxxxxxxxxx xx. Xxxxxxxxxx x.xxx Xxxx, xxx xx. xxx xxx xxxxxxxxxxx xx. Xxxxxxxxxx x.xxx Xxxx, xxx xx. xxx xxx xxxxxxxxxxx xx. Xxxxxxxxxx x.xxx Xxxx, xxx xx. xxx xxx xxxxxxxxxxx xx. Xxxxxxxxxx x.xxx Xxxx, xxx xx. xxx xxx xxxxxxxxxxx xx. Xxxxxxxxxx x.xxx Xxxx xxx xxx xx. xxx xxx xxxxxxxxxxx xx Xxxxxxxxxx x.xxx Xxxx xxxxxxxxx xxxxxxxxx. xxxxxxxxxxx xxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxx xxx xxxxxxxxxxxxx Xxxxxx, xxxx xxxx Xxxxxxx xxx xxxxxxxxxxxxxxxxx Xxxxxxx xxxxxxxxxxx. Xxxx x xxxx xxxxx xxxx xxx Xxxx xxx Xxxxxxxxxxxxxx, xxx xxx xxxxxxxxxx Xxxx xxx xx Xxxx x xxxxxxxxx Xxxxxxx xxxxxxxxxxx.

xxx xx xxxx Xx. x xxx xx xxxx xxxxxxxxxxxx.

§ 851d ZPO - Pfändungsschutz bei steuerlich gefördertem Altersvorsorgevermögen

Xxxxxxxxxx Xxxxxxxxxx xx Xxxx xxxxx xxxxxxxxxxxx Xxxxx xxxx xxxxxxxxxxx Xxxxxxxxxxxxxx xx Xxxxxx xxxxx Xxxxxxxxxxxxxxxx xxxx xx x Xxx. x Xxxx x Xx. x xxx XxxxxxxxxxxxxxxxxxxxxxxxXxxxxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxx.

§ 168 Versicherungsvertragsgesetz 2008 (§ 165 Versicherungsvertragsgesetz-alt)

xxx Xxxx xxxxxxxx Xxxxxxxx xx xxxxxxxxxx, xx xxxx xxx Xxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxxx xxx Xxxxxxx xxx xxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxx.

xxx Xxx xxxx: Xxx xxxx Xxxxxxxxxxxxxxxxxxx xxxx xxx Xxxxxxxxx xx xxx Xxx xxxxxxxx, xxxx xxx Xxxxxxxx xxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxx xxx Xxxxxxx xxx xxxxxxxxxxxx Xxxxxxxx xxxxxx xxx, xx xxxxx xxx Xxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxx xxxx xxxx xx, xxxx xxx Xxxxxxx xx xxxxx xxxxxxxxxx Xxxxxxx xxxxxxx.

xxx Xx xxxx: Xxx xxxxx Xxxxxxxxxxxx, xxx Xxxxxxxxxxxxxxxxxxx xxxx xxx Xxxxxx xxxxxx, xxx xxx xxx Xxxxxxxx xxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxx xxxxxx xxx, xxxxx xxx Xxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxx xxxx xxxx xx, xxxx xxx Xxxxxxx xx xxxxx xxxxxxxxxx Xxxxxxx xxxxxxx.

xxx Xxx Xxxxxxxx x xxx x xxxx xxxxx xxx xxxxx xxxx xxx Xxxxxxxxxxxxxx xxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxx, xxx xxx xxx Xxxxxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxx xxxx Xxxxxxxxxx xxx xxx Xxxxxxxx xx xxx Xxxxxxxxx xxxxxxxxxxxxxx xxx xxxxx xxxxxxxxxxxxxx xxxx xxx Xxxx xxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxx xxxxxxxxxxx Xxxxxxxxxx xxxx xxx xx xx xx Xxx. x Xx. x xxx Xxxxxxx Xxxxxx Xxxxxxxxxxxxxxxx xxxxxxxxxx Xxxxxxxx xxxxx xxxxxxxxxxxx.

§ 167 Versicherungsvertragsgesetz 2008 (§ 173 Versicherungsvertragsgesetz-alt)

Xxx Xxxxxxxxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxx xxxx xxxxxxxxx xxxx xxx Xxxxxxx xxx xxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxx xxxxxxxxx, xxx xxx Xxxxxxxxxxxxx xxx xx xxxx Xxx. x xxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxxx. Xxx Xxxxxx xxx Xxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxx xx xxxxxx.

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