Take out credit in the behavioral phase.
The behavior phase is a term from the area of private bankruptcy. This means the six years in which the debtor has to assign the attachable part of his wages to the creditors. This is done by a trustee or a lawyer. During this time he must not be guilty of anything. In plain language, this means that it is not possible to take out a loan in the behavior phase.
With the newly created personal bankruptcy, consumers now also have the option of debt relief. This also includes the behavior phase. If you do not behave correctly here, your personal bankruptcy is at risk. Private bankruptcy is also reported to private credit checker. For this reason alone, it is questionable whether a bank would approve a loan in such a case.
Probably not. It would also destroy the point and purpose of personal bankruptcy. Ultimately, this should help ensure that the consumers concerned are free of debt. Anyone who comes up with the idea of taking out a loan need not be surprised at the resulting consequences.
Take out credit in the behavioral phase
Some consumers believe that it is possible to take out a loan during the behavior phase in Switzerland because no private credit checker is queried here. The private credit checker is right, but the banks in Switzerland want to see pay slips. At the latest now it is noticeable that attachments are in place. In this case, no bank, not even in Switzerland, grants a loan. The question arises anyway how the installments should be paid for one.
If you have a garnishment as a single, you can expect little money. It looks different with married people. If there are children, almost nothing can be attached. But normally there is no money left for further installments, because if there were still income from any side, this money would be due to the creditors and not to a bank for any new loan.