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This category currently includes two official German court forms: the Pfändungs- und Überweisungsbeschluss (Garnishment and Transfer Order) used in civil debt enforcement proceedings, and the Formulare für das Verbraucherinsolvenzverfahren (Consumer Insolvency and Discharge of Residual Debt Forms). Both are official forms issued under German law and must be submitted to the appropriate Amtsgericht (local court).

This form is typically used by creditors who have obtained a valid enforcement title (such as a court judgment) and wish to garnish a debtor's wages, bank accounts, savings, or other financial claims. It involves three parties: the creditor, the debtor, and a third-party debtor such as an employer or bank. The form is submitted to the Amtsgericht acting as the Vollstreckungsgericht (enforcement court).

Private individuals (consumers) who are unable to meet their financial obligations and wish to formally declare insolvency and potentially obtain a discharge of residual debt (Restschuldbefreiung) must file these forms with the competent Insolvenzgericht (insolvency court). Filing is typically required after an out-of-court debt settlement attempt has failed, as evidenced by the required certificate (Anlage 2). It is important to file as soon as eligibility is established, since delays can complicate the process.

Both forms are submitted to the Amtsgericht (local court) — specifically, the enforcement court (Vollstreckungsgericht) for the garnishment order, and the insolvency court (Insolvenzgericht) for the consumer insolvency forms. The competent court is generally determined by the debtor's place of residence or registered address in Germany.

Before completing the consumer insolvency form package, you will typically need a certificate confirming the failure of an out-of-court debt settlement attempt (Anlage 2), a full overview of your assets and liabilities, a list of all creditors and outstanding claims, and an income assignment declaration. The form package includes seven attachments (Anlagen 1–7), each requiring specific financial and personal information, so gathering all relevant documents in advance is strongly recommended.

Incomplete applications may be deemed withdrawn under German insolvency law, effectively canceling the filing without a formal rejection. Additionally, providing false information on these forms can lead to criminal consequences and may result in the court denying the discharge of residual debt (Restschuldbefreiung). It is therefore essential to complete every section accurately and truthfully.

Some versions of these forms are available as fillable PDFs from official German court or government sources, while others may only be available as non-fillable scanned documents. AI-powered services like Instafill.ai can convert non-fillable PDF versions into interactive fillable forms, making it easier to complete them digitally.

Yes — AI tools like Instafill.ai can fill out complex German court forms in under 30 seconds by accurately extracting and placing data from your source documents. This is particularly useful for detailed forms like the garnishment order or the multi-attachment consumer insolvency package, where manual data entry can be time-consuming and error-prone.

Using an AI-powered service like Instafill.ai, these forms can typically be completed in under 30 seconds, as the AI reads your source documents and automatically populates the relevant fields. This significantly reduces the time compared to filling them out manually, especially for complex multi-page forms like the consumer insolvency package.

While it is not always legally required to have a lawyer for these specific forms, the legal complexity of both the garnishment order and the insolvency proceedings makes professional legal advice highly advisable. Errors or omissions can have serious legal and financial consequences, so consulting a Rechtsanwalt (attorney) or a recognized debt counseling service (Schuldnerberatung) is strongly recommended.

Yes, both forms are based on federal German law — the Zivilprozessordnung (ZPO) for the garnishment order and the Insolvenzordnung (InsO) for the consumer insolvency forms — making them applicable across all German federal states (Bundesländer). However, they must be submitted to the locally competent Amtsgericht based on the debtor's place of residence.

If you are a creditor seeking to collect a debt by garnishing a debtor's wages or bank accounts, you need the Pfändungs- und Überweisungsbeschluss. If you are an individual consumer overwhelmed by debt and seeking formal insolvency protection and a potential fresh start through debt discharge, you need the Verbraucherinsolvenz forms. The key distinction is whether you are the party owed money (creditor) or the party in financial distress (debtor).