Zwangsvollstreckung (compulsory enforcement) - Pfändungsschutzkonto (P-Konto, seizure-protected account) - Apply for an extension of protection against seizure

• Converting your current account into a P-Konto (protected account against garnishment) www.gesetze-im-internet.de/zpo/__850k.html To obtain protection against garnishment, you must have your current account converted into a Pfändungsschutzkonto (P-Konto, garnishment protection account). It is not necessary to terminate your current account for this. You must inform the bank in writing, stating your IBAN, that you wish to convert it into a P-Konto. The protection applies retroactively to the first day of the month if you arrange the conversion into a P-Konto before 4 weeks have passed since the garnishment, that is, since the garnishment order (Pfändungsbeschluss) was received by the bank. • You may also request the conversion as a precaution, without any garnishment being in place. • You may only hold a single current account as a P-Konto. The holding of a P-Konto is reported to SCHUFA (Germany's credit bureau). In the conversion letter, you must confirm in writing that you do not hold any other P-Konto. • For the increased garnishment-exempt allowance (Pfändungsfreibetrag): the personal circumstances leading to the increase must be proven.

• Application for protection against seizure (Pfändungsschutz)/extension of protection against seizure Please submit the application in writing by post. You must give reasons for your application. You must state the IBAN of the checking account that was converted into a P-Konto (protected account). • P-Konto certificate (P-Konto-Bescheinigung) • Salary or wage statements for the last three months Complete, gap-free bank statements for the last three months up to the day on which you submit the application for account seizure protection. • Seizure and transfer orders (Pfändungs- und Überweisungsbeschlüsse) Seizure and transfer orders that effect the seizure of the account, or the reference number and the court that issued the order. • Marriage certificate as proof of an existing marriage Only necessary if you have maintenance obligations (e.g. towards your children or your spouse) • Birth certificate or registration certificate (Meldebescheinigung) for children who live with you in the same household Only necessary if you have maintenance obligations (e.g. towards your children or your spouse) • Birth certificate or certificate of acknowledgment of paternity for children who do not live with you in the same household Only necessary if you have maintenance obligations (e.g. towards your children or your spouse) • Bank statements for the last three months proving that maintenance is regularly paid for these children, or other corresponding evidence, e.g. receipts from the children's mother Only necessary if you have maintenance obligations (e.g. towards your children or your spouse) • A certificate from your employer confirming that a seizure is already in effect Only necessary if your wages are already being seized by your employer • The amount of the remaining sum to be seized Only necessary if your wages are already being seized by your employer • Seizure and transfer orders that effect the seizure of earned income, or the reference number and the court that issued the order Only necessary if your wages are already being seized by your employer • Identity card or passport with registration certificate Only necessary if you want to submit the application with the help of the Rechtsantragsstelle (legal application office) of the competent Vollstreckungsgericht (enforcement court). • Certificate for submission to the bank www.gesetze-im-internet.de/zpo/__903.html A certificate must be submitted to the bank as proof of further persons entitled to maintenance, or of child benefit, or of long-term care allowance. The following certificates are permitted: • from your employer • from the Familienkasse (Family Benefits Office) • from your social benefits provider, or • from a debt and insolvency counseling service. If you are unable to provide such proof to the bank, or if a special case applies, e.g. simultaneous seizure by the employer and the bank, you can apply to the competent enforcement court for a change to the seizure-exempt amount.

None: This procedure does not incur any fees. 3.50 euros per delivery: Costs may be incurred for the delivery of decisions to the parties involved. 0.50 euros per copy for the first 50 pages and 0.15 euros for each additional page: Costs may be incurred for making copies.

• Code of Civil Procedure (Zivilprozessordnung, ZPO) §§ 899 - 910 www.gesetze-im-internet.de/zpo/__899.html • Social Code Book One (Sozialgesetzbuch Erstes Buch, SGB I) § 54 - Non-attachable social benefits www.gesetze-im-internet.de/sgb_1/__54.html • Social Code Book One (Sozialgesetzbuch Erstes Buch, SGB II) § 42 - Non-attachable social benefits www.gesetze-im-internet.de/sgb_2/__42.html

The Vollstreckungsgericht (enforcement court) that issued the Pfändungs- und Überweisungsbeschluss (garnishment and transfer order) garnishing your account is responsible.