Mittwoch, 24. Oktober 2007

Wo der Insolvenztourismus blüht

Von Marcus Creutz

Privatpleitiers in Deutschland müssen einen entbehrungsreichen Weg gehen, bevor sie wieder schuldenfrei sind. Um diese neue Leben wesentlich früher zu erreichen, greifen insolvente Verbraucher immer öfter zu einem Trick: Sie verlagern ihren Wohnsitz nach Frankreich, insbesondere nach Elsass-Lothringen oder nach England. Das Insolvenzverfahren dauert dort nur läppische 18 Monate.


Verschuldete Deutsche suchen den Weg aus der Pleite verstärkt im Ausland.
Bild vergrößernVerschuldete Deutsche suchen den Weg aus der Pleite verstärkt im Ausland.

GARMISCH. Nicht umsonst steht auf dem heute beginnenden 4. Deutschen Insolvenzrechtstag die Reform des Verbraucherinsolvenzrechts auf der Agenda ganz oben. Die Schuldner suchen sich immer neue Schlupflöcher, die Gläubiger bleiben auf ihren Forderungen sitzen. Längst bieten in- und ausländische Beraterfirmen im Internet ihre Dienste an, um den Insolvenzflüchtlingen bei Wohnungssuche, Behördenanmeldungen und der Anwaltssuche unter die Arme zu greifen.

So heißt es etwa auf den Seiten von » Frankreich-insolvenz.de: „Droht private Insolvenz? ... Der von uns aufgezeigte Weg entschuldet Sie durch ein in Frankreich durchgeführtes und in Deutschland anerkanntes EU-Insolvenzverfahren in nur 12 - 18 Monaten.“ Und unter einer Internetadresse gibt es ein Komplettpaket für 990 Euro. Für England versprechen die Berater eine Schuldenbefreiung nach maximal zwölf Monaten. Neben dem Wohnsitzwechsel auf die Insel empfehlen die Schlepper insolventen Deutschen, dort zugleich eine Limited zu gründen. Das sei vor allem für Freiberufler interessant, weil sie dann als Angestellte ihrer eigenen Gesellschaft ohne Gläubigerzugriff weiter Geld verdienen könnten.

Diese und weitere Angebote haben sich unter deutschen Pleitiers natürlich längst herumgesprochen. „Ja, die Insolvenzflucht nimmt zu“, sagt Gerrit Hölzle, Fachanwalt für Insolvenzrecht in Kevelaer. Das merke er daran, dass ihn vermehrt die Steuerberater der insolventen Verbraucher kontaktierten, um sich im französischen Insolvenzrecht beraten zu lassen. „Das ist allerdings mit meinem Berufsbild als Insolvenzverwalter nicht in Einklang zu bringen“, blockt Hölzle Anfragen konsequent ab.

Keine Bedenken hat dagegen die französische Anwältin Emelie Wider aus der Kanzlei Epp, Gebauer & Kühl mit Sitz in Köln und Straßburg. „Offizielle Zahlen darüber, wie viele Deutsche ihren Wohnsitz nach Frankreich verlegt haben, gibt es nicht. Aber es dürften mehr als 500 sein – Tendenz steigend“, schätzt Wider. Sie hat gerade einen Deutschen in der Berufungsinstanz eines Insolvenzgerichts in Metz durchgeboxt. Dieser war im Mai 2005 nach Frankreich gezogen, nachdem er sich mit ostdeutschen Immobilien verspekuliert und Schulden über fünf Mill. Euro angehäuft hatte. Doch seinen Insolvenzantrag wollte das Gericht erster Instanz in Metz nicht akzeptieren. Begründung: Der Schuldner habe trotz Wohnsitzwechsels seinen Lebensmittelpunkt nicht in Frankreich, sondern nach wie vor in Deutschland.

„Natürlich haben die Franzosen kein großes Interesse an dem einsetzenden Insolvenztourismus und prüfen deshalb scharf“, berichtet der Oldenburger Insolvenzrichter Prof. Dr. Hans-Ulrich Heyer. Prinzipiell sei es aber so, dass die Eröffnung eines Insolvenzverfahrens in Frankreich für deutsche Gerichte bindend sei. Der Bundesgerichtshof hat dies bereits 2001 entschieden (Az.: IX ZB 51/00). „Grundsätzlich muss man die unterschiedlichen Rechtssysteme akzeptieren. Während die Franzosen vor der Insolvenzeröffnung eingehend prüfen, ob sich die Schuldner in der Vergangenheit redlich verhalten haben und bei einem positiven Ergebnis sofort entschulden, müssen sich insolvente Verbraucher in Deutschland über die sechsjährige Wohlverhaltensperiode bewähren, bis ihnen das Privileg einer Entschuldung zuteil wird“, sagt Heyer.

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