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Private insolvency is a court procedure that helps over-indebted people to finally become debt-free. At the end of this procedure is the so-called residual debt discharge – the release from all remaining debts. To find out how you can achieve this, how long it takes to get there and when the discharge of residual debt can be denied, read the following guidebook.

FAQ: Residual debt discharge at the end of private insolvency

What does it mean when the discharge of residual debt has been granted??

It is probably no exaggeration to claim that a large part of the Foolish investors hardly want to look into their portfolio at the moment. On the one hand, the corona virus has caused a global crash on the financial markets, which brings back memories of the financial crisis of 2008/09. On the other hand, even formerly "safe havens" were not spared from the effects in further consequence. For precious metals such as silver and gold, and especially cryptocurrencies, which should shine in uncertain times, have been brutally sold off by investors in recent days.

But what is the reason for this sell-off? The actions of many central banks, such as a reduction in interest rates and purchases of government and corporate bonds, should basically boost silver, gold and cryptocurrencies. This even leads to the question of whether there are actually safe havens in crash times or whether cash is king here.

The St.Galler Aleks S. tries to bring his sick daughter from Serbia to Switzerland, but for this he lacks over 33,000 francs. How fatherly love and desperation brought the 33-year-old to this situation.

Aleks S.* sits at the large glass table in his apartment, his hands are folded, he tries to smile, but there is concern in his eyes. When he speaks of his daughter in a moment, he can no longer hold back the tears.

The term "multigenerational house" has been heard more and more frequently in recent years. Often it causes confusion, because the term can be used to describe two actually different ideas. What can be meant when we talk about a multigenerational house, you can find out here.

Two different meanings

The name of the multigenerational house suggests that different generations meet at the same time. But for what purpose people gather there and for how long they do so depends on the individual case. The term is not legally protected.