Watch out pensioners: the garnishment exemption limit increases from July 2025!

Watch out pensioners: the garnishment exemption limit increases from July 2025!

From July 2025, the garnishment exemption for pensioners in Germany will be increased by four percent. This adaptation means that the unpassable basic amount is currently increasing from 1,499.99 euros to EUR 1,559.99 per month. This measure is intended to protect a larger part of the income of pensioners from creditors. RuHR24 (ZPO) annually, whereby the current garnishment -free borders apply especially to debtors without maintenance obligations.

The garnishment regulations are similar for pensioners like those for work income. For example, monthly pension covers up to the amount of the current exemption limit. In addition, pensioners can even receive higher allowances with statutory maintenance obligations. A garnishment protection account (P-account) can also be requested. This automatically protects the basic allowance, whereby each person may only have such an account. It is important that attachments only take place if creditors enforce their claims in court and receive an enforcement title. Schuldnerberatung.de .

attachable income and social benefits

The statutory pension can be attachable and is subject to the same regulations as work income. This means that in addition to the pension, future pension covers (pension entitlements) can be attachable. However, the usable amount is calculated according to the applicable attachment table, which is regularly adjusted. Creditors can apply for a judicial dunning notice or an enforcement title to carry out a attachment that is also part of the statutory provisions of the ZPO. debt counseling-disket.de indicates that attachment free boundaries also apply to social benefits such as civil allowance; These are usually unpublished.

Another important aspect is that pension plunges can be increased depending on the number of people subject to maintenance. In this way, people without maintenance obligations and certain social benefits are particularly protected. If the net income finally exceeds the amount of 4,573.10 euros, they are more than fully attachable. debt consultancy-diskret.de .

Special hardship cases and application options

For pensioners who are in special financial difficulties, there is the possibility to apply for an increase in allowances from the enforcement court. This can be particularly important for people who live in precarious economic conditions. Ruhr24 explains that part of the income must be submitted to the insolvency administrator as part of the private bankruptcy.

The above adjustments and regulations are intended to ensure that pensioners receive a minimum level of financial security even in difficult financial situations. This is done by the annual adaptation of the attachment table and the legal expansion, which is an important protective mechanism for pensioners and debtors.