{"id":4175,"date":"2026-04-14T08:53:56","date_gmt":"2026-04-14T08:53:56","guid":{"rendered":"https:\/\/schuldnerservice.de\/?page_id=4175"},"modified":"2026-04-14T09:03:30","modified_gmt":"2026-04-14T09:03:30","slug":"ablauf-einer-verbraucherinsolvenz","status":"publish","type":"page","link":"https:\/\/schuldnerservice.de\/tr\/ablauf-einer-verbraucherinsolvenz\/","title":{"rendered":"Ablauf einer Verbraucherinsolvenz"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"4175\" class=\"elementor elementor-4175\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15eec308 e-con-full e-flex e-con e-parent\" data-id=\"15eec308\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6820e5af e-flex e-con-boxed e-con e-child\" data-id=\"6820e5af\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1032a2d5 e-con-full e-flex e-con e-child\" data-id=\"1032a2d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-211903ea elementor-widget elementor-widget-heading\" data-id=\"211903ea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BISS \u2013 B\u00fcro f\u00fcr Insolvenz &amp; Schuldnerservice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-233d1874 elementor-widget elementor-widget-text-editor\" data-id=\"233d1874\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Wir behandeln Ihre Anliegen mit h\u00f6chster Diskretion und schaffen eine Atmosph\u00e4re der Vertraulichkeit, \u00a0in der Sie offen \u00fcber Ihre Sorgen sprechen k\u00f6nnen. Ihre pers\u00f6nlichen Informationen sind bei uns gesch\u00fctzt \u2013 garantiert.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-856fb25 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-image\" data-id=\"856fb25\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"770\" src=\"https:\/\/schuldnerservice.de\/wp-content\/uploads\/2024\/06\/biss_schuldnerberatung_insolvenz_vertrauen_partner.png\" class=\"attachment-full size-full wp-image-2699\" alt=\"\" srcset=\"https:\/\/schuldnerservice.de\/wp-content\/uploads\/2024\/06\/biss_schuldnerberatung_insolvenz_vertrauen_partner.png 1920w, https:\/\/schuldnerservice.de\/wp-content\/uploads\/2024\/06\/biss_schuldnerberatung_insolvenz_vertrauen_partner-300x120.png 300w, https:\/\/schuldnerservice.de\/wp-content\/uploads\/2024\/06\/biss_schuldnerberatung_insolvenz_vertrauen_partner-1024x411.png 1024w, https:\/\/schuldnerservice.de\/wp-content\/uploads\/2024\/06\/biss_schuldnerberatung_insolvenz_vertrauen_partner-768x308.png 768w, https:\/\/schuldnerservice.de\/wp-content\/uploads\/2024\/06\/biss_schuldnerberatung_insolvenz_vertrauen_partner-1536x616.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-277836e8 e-flex e-con-boxed e-con e-child\" data-id=\"277836e8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5ea85ec8 e-con-full e-flex e-con e-child\" data-id=\"5ea85ec8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f5de2b4 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"2f5de2b4\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30db5c9 elementor-widget elementor-widget-icon-box\" data-id=\"30db5c9\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFelsefemiz\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUnser Ziel ist es, unsere Klienten zu entlasten, zu stabilisieren und ihnen eine Perspektive f\u00fcr einen finanziellen Neuanfang zu er\u00f6ffnen. Dabei setzen wir auf Transparenz, Verl\u00e4sslichkeit und die enge Zusammenarbeit zwischen Berater und Klient.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43d8c766 e-con-full e-flex e-con e-child\" data-id=\"43d8c766\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10ec2d10 animated-slow elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"10ec2d10\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95a0a62 elementor-widget elementor-widget-icon-box\" data-id=\"95a0a62\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMisyonumuz\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWir haben es uns zur Aufgabe gemacht, Menschen auf ihrem Weg aus der Schuldenkrise kompetent, empathisch und l\u00f6sungsorientiert zu begleiten. Von der au\u00dfergerichtlichen Einigung bis zum Insolvenzverfahren wollen wir Betroffenen die bestm\u00f6gliche Unterst\u00fctzung bieten \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b9fd314 e-con-full e-flex e-con e-child\" data-id=\"3b9fd314\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7563c417 animated-slow elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"7563c417\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-785e6a8b elementor-widget elementor-widget-icon-box\" data-id=\"785e6a8b\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVizyonumuz\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEine Zukunft ohne Schulden! \nUnser Anspruch ist es, als f\u00fchrender Ansprechpartner f\u00fcr Schuldnerberatung einen wichtigen gesellschaftlichen Beitrag zur Pr\u00e4vention und Bew\u00e4ltigung von \u00dcberschuldung zu leisten. Heute und in Zukunft.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1530208 e-con-full e-flex e-con e-parent\" data-id=\"1530208\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-525b0851 e-con-full e-flex e-con e-child\" data-id=\"525b0851\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52f13a2 elementor-widget elementor-widget-icon-box\" data-id=\"52f13a2\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAblauf einer Verbraucherinsolvenz \u2013 verst\u00e4ndlich erkl\u00e4rt\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tViele Menschen haben Angst vor dem Wort Insolvenz, obwohl sie gar nicht genau wissen, wie das Verfahren tats\u00e4chlich abl\u00e4uft. Dabei ist gerade ein klarer \u00dcberblick wichtig. Wer versteht, was passiert, kann Entscheidungen ruhiger und sicherer treffen. Eine Verbraucherinsolvenz ist kein blindes Hineinlaufen in etwas Unbekanntes, sondern ein geregelter Weg zur\u00fcck in die Ordnung.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4243b0 elementor-widget elementor-widget-icon-box\" data-id=\"c4243b0\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSchritt 1: \u00dcberblick \u00fcber die gesamte Situation\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAm Anfang geht es nicht um komplizierte Formulare, sondern um Klarheit. Gemeinsam schauen wir:\nWie viele Gl\u00e4ubiger gibt es?\nWelche Forderungen bestehen?\nGibt es schon Mahnbescheide, Pf\u00e4ndungen oder ein gesperrtes Konto?\nWie hoch sind Einkommen und feste Ausgaben?\nBestehen Unterhaltspflichten?\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0acbf27 elementor-widget elementor-widget-icon-box\" data-id=\"0acbf27\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/schuldnerservice.de\/aussergerichtliche-einigungen-fuer-privatpersonen\/\" >\n\t\t\t\t\t\t\tSchritt 2: Au\u00dfergerichtlicher Einigungsversuch\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tVor einer Verbraucherinsolvenz muss in der Regel zun\u00e4chst versucht werden, mit den Gl\u00e4ubigern eine au\u00dfergerichtliche Einigung auf Grundlage eines Plans zu erreichen. Scheitert dieser Versuch, wird das entsprechend bescheinigt und der gerichtliche Weg vorbereitet.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd0e873 elementor-widget elementor-widget-icon-box\" data-id=\"fd0e873\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSchritt 3: Vorbereitung des Insolvenzantrags\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWenn klar ist, dass eine Einigung nicht funktioniert, werden die Unterlagen f\u00fcr das Verfahren vorbereitet. Dazu geh\u00f6ren unter anderem:\nGl\u00e4ubigerverzeichnis,\nForderungs\u00fcbersicht,\nVerm\u00f6gens\u00fcbersicht,\nEinkommensnachweise,\nAntr\u00e4ge f\u00fcr das Insolvenzverfahren,\nAntrag auf Restschuldbefreiung.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f1467a elementor-widget elementor-widget-icon-box\" data-id=\"5f1467a\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSchritt 4: Gerichtliches Verfahren\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNach Einreichung der Unterlagen pr\u00fcft das Insolvenzgericht den Antrag. Wird das Verfahren er\u00f6ffnet, l\u00e4uft die Situation nicht mehr ungeordnet, sondern in einem geregelten gesetzlichen Rahmen, wir sind f\u00fcr Sie der erste Ansprechpartner. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adb0507 elementor-widget elementor-widget-icon-box\" data-id=\"adb0507\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSchritt 5: Die Zeit bis zur Restschuldbefreiung\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tF\u00fcr nat\u00fcrliche Personen ist die Restschuldbefreiung grunds\u00e4tzlich nach drei Jahren m\u00f6glich. Genau deshalb h\u00f6ren viele Betroffene den Satz: \u201eIn 3 Jahren schuldenfrei.\u201c Wichtig ist: Das ist kein lockerer Werbespruch, sondern die rechtliche Grundrichtung f\u00fcr redliche Schuldnerinnen und Schuldner.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e22dcb5 e-con-full e-flex e-con e-child\" data-id=\"7e22dcb5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e74b99f elementor-cta--layout-image-left elementor-cta--mobile-layout-image-above elementor-cta--valign-middle elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"e74b99f\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/schuldnerservice.de\/wp-content\/uploads\/2020\/09\/project-4.jpg);\" role=\"img\" aria-label=\"project-4\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f81f4f e-con-full e-flex e-con e-parent\" data-id=\"7f81f4f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-275f20c e-con-full e-flex e-con e-child\" data-id=\"275f20c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-535a38e elementor-widget elementor-widget-icon-box\" data-id=\"535a38e\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWarum viele Menschen danach wieder aufatmen\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNicht weil pl\u00f6tzlich alles leicht wird, sondern weil endlich Struktur da ist. Kein t\u00e4gliches Chaos mehr, kein st\u00e4ndiges Wegdr\u00fccken, kein Gef\u00fchl v\u00f6lliger Hilflosigkeit. Viele Betroffene sagen im R\u00fcckblick: Die gr\u00f6\u00dfte Erleichterung war, endlich einen klaren Weg zu haben.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbda50b e-con-full e-flex e-con e-child\" data-id=\"dbda50b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6a17e4 elementor-cta--layout-image-left elementor-cta--mobile-layout-image-above elementor-cta--valign-middle elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"e6a17e4\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/schuldnerservice.de\/wp-content\/uploads\/2024\/06\/AdobeStock_308561792-1024x593.jpeg);\" role=\"img\" aria-label=\"Loving man carrying happy girl on neck while having fun and enjoying freedom in evening in countryside\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9231344 e-con-full e-flex e-con e-parent\" data-id=\"9231344\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-107d0b48 e-con-full e-flex e-con e-child\" data-id=\"107d0b48\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39812ce0 elementor-widget elementor-widget-heading\" data-id=\"39812ce0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sie m\u00fcssen das nicht allein durchstehen! Lassen Sie uns gemeinsam pr\u00fcfen, ob eine Verbraucherinsolvenz f\u00fcr Sie sinnvoll ist oder ob ein anderer Weg besser passt.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5f1c9d elementor-widget elementor-widget-heading\" data-id=\"1e5f1c9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/zeeg.me\/hilfe\/30min\">\n\n \u2794 \u2794 Jetzt kostenloses Erstgespr\u00e4ch anfragen<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65277fba e-con-full e-flex e-con e-child\" data-id=\"65277fba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29a80203 elementor-widget elementor-widget-counter\" data-id=\"29a80203\" data-element_type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Mandanten<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"450\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16aa7a3f elementor-widget elementor-widget-counter\" data-id=\"16aa7a3f\" data-element_type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Sprachen<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"4\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b10ff86 elementor-widget elementor-widget-counter\" data-id=\"3b10ff86\" data-element_type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Insolvenzverfahren Begleitet<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"550\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-758634f4 elementor-widget elementor-widget-counter\" data-id=\"758634f4\" data-element_type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Jahre Erfahrung<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"25\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4102e19b e-con-full e-flex e-con e-parent\" data-id=\"4102e19b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73139b21 elementor-widget elementor-widget-toggle\" data-id=\"73139b21\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1931\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1931\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"37.8801\" height=\"37\" viewbox=\"0 0 37.8801 37\"><polygon points=\"37.3801 14 23.72 14 23.72 .5 23.72 0 23.22 0 14.66 0 14.16 0 14.16 .5 14.16 14 .5 14 0 14 0 14.5 0 22.5 0 23 .5 23 14.16 23 14.16 36.5 14.16 37 14.66 37 23.22 37 23.72 37 23.72 36.5 23.72 23 37.3801 23 37.8801 23 37.8801 22.5 37.8801 14.5 37.8801 14 37.3801 14\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">T\u00fcketici iflas\u0131n\u0131n s\u00fcreci ve s\u00fcresi<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1931\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1931\"><div class=\"elementor-element elementor-element-c792e76 e-flex e-con-boxed e-con e-child\" data-id=\"c792e76\" data-element_type=\"container\"><div class=\"e-con-inner\"><div class=\"elementor-element elementor-element-246757c e-con-full e-flex e-con e-child\" data-id=\"246757c\" data-element_type=\"container\"><div class=\"elementor-element elementor-element-1655097 elementor-widget elementor-widget-heading\" data-id=\"1655097\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-element elementor-element-d46f5a9 elementor-widget elementor-widget-text-editor\" data-id=\"d46f5a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\" style=\"box-sizing: border-box;\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\" style=\"box-sizing: border-box;\"><p class=\"whitespace-pre-wrap break-words\">\u0130flas Kanunu'nun revizyonundan bu yana, bir t\u00fcketici iflas\u0131n\u0131n s\u00fcresi genellikle \u00fc\u00e7 y\u0131ld\u0131r. Bu, 30.09.2020'den sonra ba\u015fvurulan prosed\u00fcrler i\u00e7in ge\u00e7erlidir.<\/p><p class=\"whitespace-pre-wrap break-words\">Her vaka bireyseldir ve \u0130flas Kanunu \u00e7e\u015fitli istisnalar \u00f6ng\u00f6r\u00fcr. Yine de tipik bir prosed\u00fcr ak\u0131\u015f\u0131 \u015fu \u015fekilde \u00f6zetlenebilir:<\/p><ol><li><strong>Mahkeme d\u0131\u015f\u0131 uzla\u015fma giri\u015fimi<br \/><\/strong>T\u00fcketici iflas\u0131 ba\u015fvurusundan \u00f6nce, alacakl\u0131larla mahkeme d\u0131\u015f\u0131 bir uzla\u015fma giri\u015fimi yasal olarak zorunludur. Bunun i\u00e7in tan\u0131nm\u0131\u015f bir bor\u00e7lu dan\u0131\u015fmanl\u0131\u011f\u0131 yard\u0131m\u0131yla bir bor\u00e7 tasfiye plan\u0131 haz\u0131rlan\u0131r. Bu plan, erteleme, taksitli \u00f6demeler veya k\u0131smi bor\u00e7 aff\u0131 i\u00e7erebilir. Plan sadece t\u00fcm alacakl\u0131lar\u0131n onay\u0131yla ge\u00e7erli olur. Ba\u015far\u0131s\u0131z olursa, iflas ba\u015fvurusu yap\u0131labilir.<\/li><\/ol><ol start=\"2\"><li><strong>\u0130flas ba\u015fvurusu<br \/><\/strong>Yaz\u0131l\u0131 ba\u015fvuru, yetkili iflas mahkemesine sunulur. Gerekli belgeler \u015funlar\u0131 i\u00e7erir:<\/li><\/ol><ul><li>Varl\u0131k, alacakl\u0131 ve alacak listesi ile bor\u00e7 tasfiye plan\u0131n\u0131 i\u00e7eren iflas ba\u015fvurusu<\/li><li>Ba\u015far\u0131s\u0131z uzla\u015fma giri\u015fimi hakk\u0131nda belge<\/li><li>Kalan bor\u00e7lardan kurtulma ba\u015fvurusu<\/li><li>Dava masraflar\u0131n\u0131n ertelenmesi ba\u015fvurusu<\/li><li>Foto\u011frafl\u0131 kimlik belgesinin kopyas\u0131<\/li><\/ul><ol start=\"3\"><li><strong>Ba\u015fvurunun incelenmesi<br \/><\/strong>Mahkeme, sunulan belgeleri ve t\u00fcketici iflas\u0131 i\u00e7in gerekli ko\u015fullar\u0131 inceler. Bu s\u00fcre\u00e7 birka\u00e7 hafta s\u00fcrebilir.<\/li><\/ol><ol start=\"4\"><li><strong>\u0130ste\u011fe ba\u011fl\u0131 mahkeme uzla\u015fma giri\u015fimi<br \/><\/strong>Mahkeme, ba\u015fka bir uzla\u015fma giri\u015fiminde bulunabilir. Bu durumda, alacakl\u0131lara d\u00f6rt hafta i\u00e7inde g\u00f6r\u00fc\u015f bildirebilecekleri bir bor\u00e7 tasfiye plan\u0131 yeniden g\u00f6nderilir. Bu mahkeme giri\u015fiminde \u015fu kural ge\u00e7erlidir: Sessizlik onay anlam\u0131na gelir. Ayr\u0131ca, reddeden bireysel alacakl\u0131lar oylanarak ge\u00e7ersiz k\u0131l\u0131nabilir.<\/li><\/ol><ol start=\"5\"><li><strong>T\u00fcketici iflas s\u00fcrecinin ba\u015flat\u0131lmas\u0131<\/strong><br \/>Mahkeme uzla\u015fma giri\u015fiminin ba\u015far\u0131s\u0131z olmas\u0131 veya atlanmas\u0131 durumunda, as\u0131l iflas s\u00fcreci ba\u015flat\u0131l\u0131r. Bu, kamuoyuna duyurulur. De\u011ferlendirilebilir varl\u0131klar\u0131 belirleyen ve alacakl\u0131lar\u0131 alacaklar\u0131n\u0131 bildirmeye \u00e7a\u011f\u0131ran bir iflas y\u00f6neticisi atan\u0131r. Devam eden hacizler ve icra i\u015flemleri durdurulur.<\/li><\/ol><ol start=\"6\"><li><strong>\u0130yi davran\u0131\u015f d\u00f6nemi<br \/><\/strong>Bu a\u015fama, s\u00fcrecin ba\u015flamas\u0131yla ba\u015flar ve \u00fc\u00e7 y\u0131l s\u00fcrer. Bu s\u00fcre zarf\u0131nda d\u00fczenli gelir elde etmek i\u00e7in \u00e7aba g\u00f6stermelisiniz. Gelirinizin haczedilebilir k\u0131sm\u0131 bor\u00e7 \u00f6demesi i\u00e7in kullan\u0131l\u0131r.<\/li><\/ol><ol start=\"7\"><li><strong>Kalan bor\u00e7lardan kurtulma ve s\u00fcrecin tamamlanmas\u0131<br \/><\/strong>\u00dc\u00e7 y\u0131l sonra t\u00fcketici iflas\u0131 sona erer. T\u00fcm y\u00fck\u00fcml\u00fcl\u00fcklerin yerine getirilmesi durumunda mahkeme kalan bor\u00e7lardan kurtulma karar\u0131 verir. Miktarlar\u0131ndan veya alacakl\u0131 say\u0131s\u0131ndan ba\u011f\u0131ms\u0131z olarak \u00e7o\u011fu bor\u00e7 silinir. \u0130stisnalar, kas\u0131tl\u0131 olarak i\u015flenen yasad\u0131\u015f\u0131 eylemlerden kaynaklanan alacaklar veya kas\u0131tl\u0131 olarak \u00f6denmemi\u015f nafaka alacaklar\u0131d\u0131r.<\/li><\/ol><p>\u00a0<\/p><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-element elementor-element-81166b2 e-flex e-con-boxed e-con e-parent e-lazyloaded\" data-id=\"81166b2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\"><div class=\"e-con-inner\"><div class=\"elementor-element elementor-element-0c986fc elementor-widget elementor-widget-text-editor\" data-id=\"0c986fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Bilinmesi gerekenler:<\/p><ul><li>Olumsuz Schufa kay\u0131tlar\u0131 art\u0131k s\u00fcrecin tamamlanmas\u0131ndan alt\u0131 ay sonra silinir.<\/li><li>\u0130yi davran\u0131\u015f d\u00f6nemi s\u0131ras\u0131nda iflas y\u00f6neticisinin onay\u0131yla serbest meslek faaliyeti m\u00fcmk\u00fcnd\u00fcr.<\/li><li>\u0130flas y\u00f6neticisi ile d\u00fczenli toplant\u0131lar gerekli olabilir, bunlar\u0131n s\u0131kl\u0131\u011f\u0131 duruma g\u00f6re de\u011fi\u015fir.<\/li><\/ul><\/div><\/div><\/div><\/div><div class=\"elementor-element elementor-element-242a7c5 elementor-widget elementor-widget-text-editor\" data-id=\"242a7c5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\" style=\"box-sizing: border-box;\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\" style=\"box-sizing: border-box;\">Bu t\u00fcketici iflas\u0131, a\u015f\u0131r\u0131 bor\u00e7lanmadan \u00e7\u0131k\u0131\u015f i\u00e7in yap\u0131land\u0131r\u0131lm\u0131\u015f bir yol ve finansal yeni bir ba\u015flang\u0131\u00e7 \u015fans\u0131 sunar.<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1932\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1932\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"37.8801\" height=\"37\" viewbox=\"0 0 37.8801 37\"><polygon points=\"37.3801 14 23.72 14 23.72 .5 23.72 0 23.22 0 14.66 0 14.16 0 14.16 .5 14.16 14 .5 14 0 14 0 14.5 0 22.5 0 23 .5 23 14.16 23 14.16 36.5 14.16 37 14.66 37 23.22 37 23.72 37 23.72 36.5 23.72 23 37.3801 23 37.8801 23 37.8801 22.5 37.8801 14.5 37.8801 14 37.3801 14\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">T\u00fcketici iflas\u0131 ba\u015fvurusunda bulunabilmek i\u00e7in a\u015fa\u011f\u0131daki kriterlerin kar\u015f\u0131lanmas\u0131 gerekir<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1932\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1932\"><div class=\"elementor-element elementor-element-c792e76 e-flex e-con-boxed e-con e-child\" data-id=\"c792e76\" data-element_type=\"container\"><div class=\"e-con-inner\"><div class=\"elementor-element elementor-element-246757c e-con-full e-flex e-con e-child\" data-id=\"246757c\" data-element_type=\"container\"><div class=\"elementor-element elementor-element-1655097 elementor-widget elementor-widget-heading\" data-id=\"1655097\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><p class=\"whitespace-pre-wrap break-words\">Voraussetzungen f\u00fcr eine Vebraucherinsolvenz:<\/p><p class=\"whitespace-pre-wrap break-words\">\u0130flas Kanunu, bir iflas prosed\u00fcr\u00fcn\u00fcn ba\u015flat\u0131lmas\u0131 i\u00e7in \u00fc\u00e7 ana neden tan\u0131mlar:<\/p><ol class=\"-mt-1 list-decimal space-y-2 pl-8\"><li class=\"whitespace-normal break-words\"><strong>\u00d6deme aczi veya yak\u0131n \u00f6deme aczi tehdidi<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Ba\u015fvuru s\u0131ras\u0131nda mevcut bir serbest meslek faaliyeti olmamas\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>En fazla 19 alacakl\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Tan\u0131nm\u0131\u015f bir kurum taraf\u0131ndan y\u00fcr\u00fct\u00fclen ba\u015far\u0131s\u0131z mahkeme d\u0131\u015f\u0131 uzla\u015fma giri\u015fimi<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Eski \u00e7al\u0131\u015fanlardan kaynaklanan i\u015f ili\u015fkisi bor\u00e7lar\u0131n\u0131n olmamas\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Ya\u015fam merkezinin Almanya'da olmas\u0131<\/strong><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1933\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1933\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"37.8801\" height=\"37\" viewbox=\"0 0 37.8801 37\"><polygon points=\"37.3801 14 23.72 14 23.72 .5 23.72 0 23.22 0 14.66 0 14.16 0 14.16 .5 14.16 14 .5 14 0 14 0 14.5 0 22.5 0 23 .5 23 14.16 23 14.16 36.5 14.16 37 14.66 37 23.22 37 23.72 37 23.72 36.5 23.72 23 37.3801 23 37.8801 23 37.8801 22.5 37.8801 14.5 37.8801 14 37.3801 14\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Ist die Verbraucherinsolvenz das Ende?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1933\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1933\"><p>Nein. F\u00fcr viele Menschen ist sie gerade der geordnete Anfang eines wirtschaftlichen Neustarts.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1934\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1934\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"37.8801\" height=\"37\" viewbox=\"0 0 37.8801 37\"><polygon points=\"37.3801 14 23.72 14 23.72 .5 23.72 0 23.22 0 14.66 0 14.16 0 14.16 .5 14.16 14 .5 14 0 14 0 14.5 0 22.5 0 23 .5 23 14.16 23 14.16 36.5 14.16 37 14.66 37 23.22 37 23.72 37 23.72 36.5 23.72 23 37.3801 23 37.8801 23 37.8801 22.5 37.8801 14.5 37.8801 14 37.3801 14\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Muss ich daf\u00fcr alles alleine vorbereiten?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1934\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1934\"><p>Nein. Genau dabei unterst\u00fctzen wir Sie Schritt f\u00fcr Schritt. Melden Sie sich bei uns, trauen Sie sich den ersten Schritt in Ihre Bessere Zukunft zu machen, es kann nur besser werden.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1935\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1935\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"37.8801\" height=\"37\" viewbox=\"0 0 37.8801 37\"><polygon points=\"37.3801 14 23.72 14 23.72 .5 23.72 0 23.22 0 14.66 0 14.16 0 14.16 .5 14.16 14 .5 14 0 14 0 14.5 0 22.5 0 23 .5 23 14.16 23 14.16 36.5 14.16 37 14.66 37 23.22 37 23.72 37 23.72 36.5 23.72 23 37.3801 23 37.8801 23 37.8801 22.5 37.8801 14.5 37.8801 14 37.3801 14\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Kann ich mich auch melden, wenn ich \u00fcberhaupt keinen \u00dcberblick mehr habe?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1935\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1935\"><p>Ja. Genau daf\u00fcr ist unsere Beratung da.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1936\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1936\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"a\" width=\"37.8801\" height=\"37\" viewbox=\"0 0 37.8801 37\"><polygon points=\"37.3801 14 23.72 14 23.72 .5 23.72 0 23.22 0 14.66 0 14.16 0 14.16 .5 14.16 14 .5 14 0 14 0 14.5 0 22.5 0 23 .5 23 14.16 23 14.16 36.5 14.16 37 14.66 37 23.22 37 23.72 37 23.72 36.5 23.72 23 37.3801 23 37.8801 23 37.8801 22.5 37.8801 14.5 37.8801 14 37.3801 14\"><\/polygon><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Ist meine Anfrage bei BISS vertraulich?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1936\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1936\"><p>Ja, Ihre Anfrage und alle Gespr\u00e4che werden vertraulich behandelt. Gerade bei finanziellen Problemen ist Vertrauen besonders wichtig. Sie k\u00f6nnen Ihre Situation offen schildern, damit gemeinsam eine seri\u00f6se und passende L\u00f6sung gefunden werden kann.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<header class=\"elementor-element elementor-element-17e6225b e-con-full e-flex e-con e-parent\" data-id=\"17e6225b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14ec964c elementor-widget elementor-widget-image\" data-id=\"14ec964c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"904\" height=\"268\" src=\"https:\/\/schuldnerservice.de\/wp-content\/uploads\/2026\/04\/BISS-\u2013-Buero-fuer-Insolvenz-und-Schuldner-Service_Logo.png\" class=\"attachment-full size-full wp-image-4068\" alt=\"\" srcset=\"https:\/\/schuldnerservice.de\/wp-content\/uploads\/2026\/04\/BISS-\u2013-Buero-fuer-Insolvenz-und-Schuldner-Service_Logo.png 904w, https:\/\/schuldnerservice.de\/wp-content\/uploads\/2026\/04\/BISS-\u2013-Buero-fuer-Insolvenz-und-Schuldner-Service_Logo-300x89.png 300w, https:\/\/schuldnerservice.de\/wp-content\/uploads\/2026\/04\/BISS-\u2013-Buero-fuer-Insolvenz-und-Schuldner-Service_Logo-768x228.png 768w, https:\/\/schuldnerservice.de\/wp-content\/uploads\/2026\/04\/BISS-\u2013-Buero-fuer-Insolvenz-und-Schuldner-Service_Logo-18x5.png 18w\" sizes=\"(max-width: 904px) 100vw, 904px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/header>\n\t\t<div class=\"elementor-element elementor-element-56681e5a e-con-full e-flex e-con e-parent\" data-id=\"56681e5a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f36918c e-con-full e-flex e-con e-child\" data-id=\"f36918c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1df2f2f0 e-flex e-con-boxed e-con e-child\" data-id=\"1df2f2f0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-325678c8 elementor-widget elementor-widget-heading\" data-id=\"325678c8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Kontakt zu uns<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-307abaa9 elementor-widget elementor-widget-text-editor\" data-id=\"307abaa9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00dcberwinde deine innere Blockade und melde dich bei uns f\u00fcr ein Kostenfreies Erstgespr\u00e4ch<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36e3581b e-flex e-con-boxed e-con e-child\" data-id=\"36e3581b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5fab298f e-flex e-con-boxed e-con e-child\" data-id=\"5fab298f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c401248 elementor-widget elementor-widget-heading\" data-id=\"3c401248\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><span class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"Eingabe hier...\">B\u00fcro Termine nach Vereinbarung: <\/span><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68471561 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"68471561\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/wa.me\/17623826826\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">BISS \u2013 B\u00fcro f\u00fcr Insolvenz- und Schuldner-Service \u2028Esslinger-Str. 7\u202870771 Leinfelden-Echterdingen\u2028<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bf0123 e-con-full e-flex e-con e-child\" data-id=\"5bf0123\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7db6a32 elementor-widget elementor-widget-heading\" data-id=\"7db6a32\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Telefon<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6be2bd2 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6be2bd2\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:071179472810\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">B\u00fcro: 0711 - 7947 2810<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/wa.me\/17623826826\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Whatsapp: 017623826826<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5dc439a8 e-flex e-con-boxed e-con e-child\" data-id=\"5dc439a8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9018e55 elementor-widget elementor-widget-heading\" data-id=\"9018e55\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00d6ffnungszeiten<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7593c007 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7593c007\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">T\u00e4glich: 07:30 - 21:00 Uhr <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Sondertermine jederzeit m\u00f6glich <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8155071 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8155071\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/zeeg.me\/hilfe\/30min\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Sie wollen wissen, ob eine Verbraucherinsolvenz f\u00fcr Ihren Fall der richtige Weg ist?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23885a6 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"23885a6\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/zeeg.me\/hilfe\/30min\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-business-time\" viewbox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M496 224c-79.59 0-144 64.41-144 144s64.41 144 144 144 144-64.41 144-144-64.41-144-144-144zm64 150.29c0 5.34-4.37 9.71-9.71 9.71h-60.57c-5.34 0-9.71-4.37-9.71-9.71v-76.57c0-5.34 4.37-9.71 9.71-9.71h12.57c5.34 0 9.71 4.37 9.71 9.71V352h38.29c5.34 0 9.71 4.37 9.71 9.71v12.58zM496 192c5.4 0 10.72.33 16 .81V144c0-25.6-22.4-48-48-48h-80V48c0-25.6-22.4-48-48-48H176c-25.6 0-48 22.4-48 48v48H48c-25.6 0-48 22.4-48 48v80h395.12c28.6-20.09 63.35-32 100.88-32zM320 96H192V64h128v32zm6.82 224H208c-8.84 0-16-7.16-16-16v-48H0v144c0 25.6 22.4 48 48 48h291.43C327.1 423.96 320 396.82 320 368c0-16.66 2.48-32.72 6.82-48z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u202d\u2192 Jetzt Kostenloses Erstgespr\u00e4ch vereinbaren<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6702b352 e-con-full e-flex e-con e-child\" data-id=\"6702b352\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48afd1ee elementor-widget elementor-widget-google_maps\" data-id=\"48afd1ee\" data-element_type=\"widget\" data-widget_type=\"google_maps.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed\">\n\t\t\t<iframe loading=\"lazy\"\n\t\t\t\t\tsrc=\"https:\/\/maps.google.com\/maps?q=BISS%20%E2%80%93%20B%C3%BCro%20f%C3%BCr%20Insolvenz-%20und%20Schuldner-Service%E2%80%A8Esslinger-Str.%207%E2%80%A870771%20Leinfelden-Echterdingen%E2%80%A8Deutschland&#038;t=m&#038;z=16&#038;output=embed&#038;iwloc=near\"\n\t\t\t\t\ttitle=\"BISS \u2013 B\u00fcro f\u00fcr Insolvenz- und Schuldner-Service\u2028Esslinger-Str. 7\u202870771 Leinfelden-Echterdingen\u2028Deutschland\"\n\t\t\t\t\taria-label=\"BISS \u2013 B\u00fcro f\u00fcr Insolvenz- und Schuldner-Service\u2028Esslinger-Str. 7\u202870771 Leinfelden-Echterdingen\u2028Deutschland\"\n\t\t\t><\/iframe>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>BISS \u2013 B\u00fcro f\u00fcr Insolvenz &amp; Schuldnerservice Wir behandeln Ihre Anliegen mit h\u00f6chster Diskretion und schaffen eine Atmosph\u00e4re der Vertraulichkeit, \u00a0in der Sie offen \u00fcber Ihre Sorgen sprechen k\u00f6nnen. Ihre pers\u00f6nlichen Informationen sind bei uns gesch\u00fctzt \u2013 garantiert. Unsere Philosophie Unser Ziel ist es, unsere Klienten zu entlasten, zu stabilisieren und ihnen eine Perspektive f\u00fcr [&hellip;]<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-4175","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/pages\/4175","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/comments?post=4175"}],"version-history":[{"count":7,"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/pages\/4175\/revisions"}],"predecessor-version":[{"id":4182,"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/pages\/4175\/revisions\/4182"}],"wp:attachment":[{"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/media?parent=4175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}