Tax debts are a particularly sensitive issue. In such a case, the tax office does not have to be asked for a long time and attaches the account, wages or initiates insolvency proceedings in the event of self-employment.
So that it doesn’t even come to this, one should immediately seek a conversation with the responsible tax office with every little tax debt and work out a suitable way out of the debt. If the tax office is not ready for a deferral or an installment agreement for any reason, a loan for the tax debts must be taken out for good or bad.
Apply for a loan for the tax debts from the bank
But you can only get a loan for the tax debts if you have no negative Credit bureau entries yet. Most of the tax debts are just the tip of the iceberg and other payment obligations have not been met in the past. Yet another reason to act as quickly as possible to escape the debt trap.
You can get a loan to pay your tax debts – provided your credit rating is good – at every bank and also at every savings bank. In such a case, it is advisable to always take out an installment loan. It is very flexible in terms of the loan amount, usually goes hand in hand with quite low interest rates and the banks offer this type of loan with very different terms. For example, you can choose a rather long term so that the monthly debit from the loan is not too high.
Waiver of a good credit rating
If, on the other hand, the credit rating has already suffered, another path to the loan must be taken. It would be possible to obtain a loan through a credit broker. These work with private donors, who often do not care whether you have a negative entry in the Credit bureau or not. Rather, what counts here is that the borrower can demonstrate regular income. The waiver of a good credit rating has to be paid with higher interest.
So you should think carefully and calculate whether such an offer is worthwhile. Because maybe there is another way to settle the tax debt. If you explain the tricky situation to the tax office, the officials usually also help. You just have to look for the conversation, do it in a friendly manner and put the cards face up on the table.