Energieberatung – Verbraucherzentrale

Legal review and defense against unjustified claims, debt collection letters, and foisted contracts. The counseling supports the drafting of revocation letters, the review of terms and conditions, and protection against garnishment by setting up protected accounts. Counseling Tip 1: Debt collection agencies are not allowed to charge fantasy fees – object to the claim in writing (registered mail). Counseling Tip 2: A garnishment protection account (P-Konto) automatically protects your tax-free subsistence allowance from access by creditors.