foreclosure

If, after a judgment, the debtor does not fulfill his obligation to pay, the obligee with the "enforceable title" can instruct the competent bailiff to carry out the enforcement. This consists of the seizure (state seizure) and realization of the pledged item in favor of the obligee.
Movable objects the bailiff either takes (money, jewelry, securities) or marks them as attached by sticking pledge seals. Later, but not before the end of a week, they are then publicly auctioned for the benefit of the obligee. Objects that are necessary for a modest lifestyle appropriate to the debt and for the exercise of a profession (furniture, television set, etc.) cannot be seized.

Claims (bank balances, wages, salaries) are attached by issuing an attachment and transfer order of the local court (enforcement court) against the person from whom the debtor has to claim something (e.g. his employer): The latter (e.g. the employer) retains the seized claim and transfers it to the obligee.

The (attached) employee then receives a wage / salary payment reduced by the attached amount. In order to secure a subsistence level for the employee, his or her income is subject to special seizure protection. The amount of net earned income that is necessary for the necessary maintenance of the debtor and for the fulfillment of his statutory maintenance obligations is not seizable.
the Foreclosure on immovable property usually takes place by foreclosure auction. Further options are the registration of a security mortgage or compulsory administration (e.g. rents are paid to an administrator appointed by the court).

If the obligee is not satisfied by the seizure, he can through the district court in whose district the debtor is domiciled, to submit a affidavit charge over his assets. The debtor must submit a list of their assets to the district court and swear an oath that it is correct and complete.

The submission of this declaration will be entered in a register with the court concerned, which can be viewed by anyone. If the debtor refuses to submit the affidavit, he can be detained for up to 6 months at the request of the obligee.

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