If people are completely over-indebted, their visit is inevitable at some point: the bailiff comes and is charged with the attachment of various valuables in order to satisfy the claims of the creditors. In this situation, many people want a loan in spite of a bailiff, in order to avert the attachment and to meet the open claims of the creditors.
When does the bailiff come?
Anyone who deals with a loan in spite of a bailiff has either already had a bailiff visit or fears that he will soon meet with the person entitled to the attachment. However, the conditions for visiting it are precisely defined in the legal system. A creditor must have a so-called “enforceable title” from the debtor. It is a notarized certificate. For this title, the creditor can instruct the bailiff to pledge the corresponding debt in property or property. If a debtor does not open the door to the bailiff twice, the bailiff can request the police the third time and thus gain access to the house. If the bailiff comes to take an affidavit, the door must be opened immediately. If the debtor does not do this, he can be put into forced detention. However, all of this can be stopped instantly by paying the debt. But how do you get the loan despite a bailiff?
The loan despite a bailiff from a bank
The question that the bank will ask to decide whether it will grant a loan despite a bailiff is, in principle, very simple: how does the borrower intend to repay the loan and what are the guarantees? For example, if the borrower has a regular income that enables them to pay the monthly installments and this loan is only a form of debt rescheduling, banks will occasionally grant a loan despite a bailiff. The same applies if, for example, a guarantor is presented as security, who will be responsible for repaying the loan if necessary. Problematic and much more likely is the case that you can not show any collateral and have no regular income. Even then, a loan is not impossible despite a bailiff.
Bailiff Credit: Other Options
Then there are still two more options for a bailiff loan. The next step (if you haven’t tried it from the start) is usually to ask a private individual for the loan. Friends or family in particular are often willing to help if the bailiff otherwise threatens to come. They also lend money to strangers, but of course they also want to be convinced by collateral that they will get their loan back.
For whom the loan is defaulted by private individuals despite bailiffs, the last port of call is financial institutions that do not have as strict credit check requirements as banks. Foreign internet banks are particularly suitable for this. For example, they advertise offers for loans without credit ce , but these financial institutions will also ask how the loan should be repaid, so it is imperative for a loan to be made despite a bailiff that the new loan can reduce the overall debt burden economic conditions will improve, which will simplify repayment of the new loan.