Consumer protection provides information about this regulation, which will apply for the first time in 2022.
Protection against garnishment of Christmas bonuses
If you have debts that are being seized, you can now apply for up to 670 euros of your Christmas bonus - if you receive one - to remain free of seizure.
In the case of an existing seizure protection account, you must apply for this at the enforcement court or at the creditor's enforcement office.
If wages are garnished to pay off debts, the employer must ensure that they cannot be seized.
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Description not relevant
In order to receive such seizure protection, the payment does not necessarily have to be named as a “Christmas bonus”. A temporal connection with Christmas is sufficient. Therefore, it is best to inform and apply as early as possible. As a debtor you have to take action yourself!
All information can be found on the consumer protection website A sample letter is also provided here to apply for seizure protection.
Source:
Consumer protection
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