In Germany, falling behind on payments can lead to escalating consequences, including reminders, legal threats, and property seizure for unpaid debts. Foreign residents may be surprised at how easily their bank accounts can be frozen. While severe consequences can ensue, they are often exaggerated; for example, not paying a small bill won’t land you in jail. Most importantly, individuals have rights, and legal issues can generally be resolved by repaying debts or negotiating a payment plan with creditors. The process begins with reminders and may escalate to court orders if ignored.
If you miss a bill, and a few reminders to pay, in the mail, your German bank account can be slapped with a garnishment.
The most important thing to know is that in most cases, at any stage in the process, you will likely be able to make any legal issues go away by repaying the debt or agreeing a payment plan with your creditor.
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