If a bailiff is at the door, that doesn’t mean anything good. It is the result if a debtor has failed to meet their financial obligations. First, the debtor is reminded by the creditor. If there is subsequently no payment or agreement with the creditor, the creditor can issue a reminder notice to the competent district court. If this order for payment has been delivered to the debtor, the debtor has two weeks to either settle the debts or to arrange payment in installments. If this does not happen either, the enforcement order will be issued. The creditor can then instruct a bailiff to collect the debt.
Credit despite bailiff
Dunning notices and enforcement notices are reported to private credit checker. They are among the worst negative traits. This is followed by the attachment or / and an affidavit. Once such a process is underway, there is no way to get a loan despite a bailiff. No bank will take this risk.
Credit from relatives or friends
A loan despite a bailiff is not granted even if the debtor has a guarantor. If he finds one at all. The only way to get a loan despite a bailiff is through relatives or friends. They usually do not charge interest, which makes such a loan even cheaper than a bank.
Credit despite bailiff through peer to peer
There is an association of private individuals who also lend money. The difference to the banks here is that the loan seeker suggests an interest rate that the lenders may or may not accept. This model of lending has not been on the market for very long, but has already been able to hold its own. However, private credit checker is taken very precisely here, because after all, private investors do not want to lose their money. Anyone who has a bad private credit checker will also be rejected here. However, this form of loan is interesting for people with a good credit rating. You have no difficulty in getting a loan.