Buy/build a house with little equity. Open claims

Regarding point 2: Then enforce it. A management consultant knows that. And no, claims are not taken into account by banks even if contracts exist. They are unknown "assets" at the time and amount. Also vague whether they will ever flow. Yes, even family loans can easily default. People often conceal such things to keep the family peace. Securities, funds, fixed deposits, overnight money, cash. These are equity-capable products.

Regarding point 2: Then go ahead and enforce it. A manager at the consulting company knows something like that.

What is the point of such a snippy remark? (Aside from the factual absurdity) Why should I ask questions here whose answers I already know? !

No, only what is in your account.

Off-topic: You have an enforceable title and the debtor is solvent. Why does it take longer than, let’s say, three working days until the money is in your account? Serious question, someone please enlighten me! (Have you already sent the bailiff?)

On the off-topic: in Germany, there are several legal means by which you can extend the garnishment (intentionally and unintentionally). Relocation of the office or rebranding and you have to obtain a new title again. Changed accounts, no one present during the bailiff’s visit also drags out the process.

The 10 K€ don't make much of a difference... whether 35 K€ or 45 K€ - very little considering the certainly expected construction costs. You can still build, income should be sufficient.

Not enforcing it takes even longer than enforcing it. Whoever is solvent and does not pay voluntarily today will definitely not do so tomorrow.

The argument is therefore nonsensical.

And just because one changes their residence/company headquarters does not mean a new title is needed as long as the debtor is identical and clearly identifiable, at most a new bailiff.

In my opinion, using such means is not very solvent.

Another possibility could be factoring, but with these items, I would not know which company would do that.

Hi Tocixmolotow,

at some point he won’t be able to avoid it, I hope :-)

Well, my old employer relocated his legal place of business and changed his name. And overall, my lawyer has to apply for a new title. But enough about that – it was about the question of equity.

The idea with factoring is very good – I only knew it so far in the opposite order (so when companies assign their debts to private individuals). But I will take a closer look at that.

Many thanks for the help

: Well, if 10 thousand EUR were not much to me, then I would be doing very well ;-) Don’t know what you earn...

Tim