Daycare Debt – What Can Happen?

Daycare Debt – What Can Happen?

Exclusion of the child from daycare

In many cities and municipalities (municipalities) childcare is associated with costs. These depend on certain factors, such as: the weekly number of hours the child is given to daycare, the amount of meals and the parents’ income. The agreed daycare fees can also represent a particular burden for parents, which is why there are more and more cases in which parents have debts to the daycare center. I highly recommend

This is a challenge for both sides: because the municipalities plan with the income and the parents can sometimes no longer pay the debts on their own. If no agreement is reached, the child can be excluded from care. This is a delicate legal issue: because the debt rests with the parents, but the child has a legal right to a daycare place. Consult an expert bankruptcy attorney about this critical issue to get your child secure from your bankruptcy.

Reminder and dunning notice for debts

Debt at the daycare center can also send reminders and dunning notices into the house. However, a reminder and a dunning notice are two different things that trigger different legal consequences for the indebted parents. While the reminder puts you in default and justifies possible claims for damages, the dunning notice means that foreclosure can soon take place against you.

Of course, one can say that the speed with which municipalities try to collect the debts depends on who is the sponsor and how high the debt level is.

Collection measures for day care debts

If the debt level reaches a certain level and repeated requests for payment to the parents were unsuccessful, a debt collection agency is often commissioned. This is an uncomfortable situation for parents concerned, as debt collection agencies pursue their claims with much more force. In addition, debt collection companies can demand remuneration for their services because parents are in arrears at the latest when they have been reminded. The resulting legal costs in the form of collection fees will also be billed to the parents.

If you as a parent find yourself in the situation of no longer knowing how to pay your debts to the daycare center and other creditors, contact us at the Attorney Debt Fighters, a law firm in Florida. We specialize in debt relief for consumers and entrepreneurs and take on the negotiation with all of your creditors for you. There are several options for this, which we use according to your case, so that you can go to the mailbox again with peace of mind and do not have to worry about seizure measures.

Quick attachment and bailiff for day care debts

Not the rule, but it is quite possible that the debts are collected at the KITA in the so-called administrative enforcement procedure. That is, the claim against the parents is titled by a fee notification and can then be enforced without a major break in time. This then goes hand in hand with garnishment of wages and accounts or the visit of the bailiff. He will regularly be tasked with asking you to submit an asset report. Based on the information, specific seizure measures can be commissioned. If you have become the addressee of a fee notice, lose no more time, because the seizure is almost at the door. Bank or employer finds out about your external arrears, which can be particularly annoying depending on the individual case.

TV show “Get Out of Debt” back on TV

This is how you get rid of your debts too!

America’s popular TV show Get Out of Debt returns to television after 6 years of abstinence. Between 2007 and 2015, the American television public received an insight into the lives of people who were plagued by existential fears due to debt. As a debt counselor, Peter Zell tried to show people how to get out of the debt trap and became a crowd favorite thanks to his analytical and level-headed manner. But in the new edition, which will start again for the first time on October 25, 2021, Peter Zell is not involved. Attorney Debt Fighters, law firm, nevertheless welcomes the fact that the issue of debt is again increasingly coming into the public eye. Many people feel ashamed of the topic, although there is no reason to do so. Around 100,000 people file for bankruptcy every year. Not counting the large number of people who find themselves in financial difficulties.

We have specialized in debt relief since 2012 and have handled over 60,000 cases. We will also help you to get rid of your debts in a targeted and individual manner according to the needs of your individual case. There are several ways to do this, which we would like to briefly explain to you in this article.

We protect you from seizures

For anyone in debt, the idea of ​​a wage garnishment or an account garnishment is terrible. The bailiff and his “cuckoo” are also feared. If the wages or the account are attached or if the bailiff announces himself, you are at the stage of foreclosure. This is extremely uncomfortable because you have to endure certain enforcement actions from your creditors first. However, we will help you not to let the restrictions happen or toward them off afterwards. And we do that by contacting KRAUS GHENDLER RUVINSKIJ law firm record to your creditors. This is a signal that you are serious about starting debt relief immediately.

We invite your creditors to negotiate. We make it clear to them that an amicable settlement may be more economical for all parties than if each individual creditor tries his “luck” through seizures. Because of the possible impending bankruptcy, certain attachments can be reversed by creditors. In addition, the creditors are left with their own expense. We expressly point this out to your creditors so that they can now understand that a settlement can also be in their interests.

We negotiate a settlement with your creditors

The aim of the settlement is that your creditors waive part of their claims. Are you wondering why they should agree to do this? The answer is simple: Your creditors are likely to be financially better off in a settlement than if you insist on the entire claim against you and then go into bankruptcy proceedings. Because bankruptcy proceedings may not be enforced against your property by the individual creditors, the creditors have to wait a long time before they even get part of their claims satisfied and the satisfaction of the claim is measured for the creditors on the basis of the insolvency rate and this is usually very low – so low that some creditors waive right from the start to pursue their claim against you in the insolvency proceedings.

We hold all of these points that speak for you as a debtor in front of your creditors and make them an offer of settlement. This is better than the expected bankruptcy rate. We benefit from our many years of negotiating experience with creditors in these discussions. For more information, see our Out of court settlement article.

If you would like to start your debt relief immediately and do not want to let unpleasant seizures occur in the first place, let us inform you in our free initial consultation on (727) 538-4188. Or you can simply use our online contact form on our website,

We prepare the discharge of the remaining debt for you

If your creditors refuse a settlement or if an out-of-court settlement cannot be reached in view of your financial situation, you can still become debt-free within just 3 years. This is done by filing for bankruptcy. At the end of the three years the bankruptcy court will release you from your debts (so-called residual debt discharge) and you can start your life financially again. This basically applies regardless of how much your debt is and how many creditors you have.


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