Flo1979 Alternatively, one could also sit times with the creditors in touch and make arrangements.
Thank you for your "idea" and your constructive debt counseling. Although not an answer to the question, but ... yes, but what? Nüx. Only your personal opinion about debt.
I have already experienced that people in bankruptcy proceedings (with creditor list and your advertised payment plan, etc.) has been seized the account. Also from authorities. Of course, they are not allowed to do that, but have you ever sued a clearance through the bankruptcy court? Even if you are right, it will take you weeks to get your money. And with a Kontopfändung the whole account is locked, ie not only the owed amount. Then ratzfatz sometimes can not pay your rent and your food. Hoppala
There's a good reason everyone has the right to a P account. I have no debts and still have a P account. For that I have already seen too much ... the tax office, which autopsied a buddy in the week before Christmas the account, because the clerk is on vacation and dusted his opposition on her desk.
I would therefore find it wise if you did not clap your private attitude to the P account everywhere.
In addition, I think it would be sensible if Bunq as a provider in Germany (and addressed to German customers), would also be obliged to offer a P-account. Are they not right now, as far as I can see. Therefore, it remains (in my eyes :) unfortunately their thing, whether they do it or not.