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A debit agreement is a legal document that outlines the terms and conditions between a debtor and a creditor for the repayment of a debt. The agreement typically includes information on the amount of the debt, the interest rate, and the repayment schedule. In Germany, the debit agreement is known as “Lastschriftverfahren” or “SEPA-Lastschrift”.

SEPA stands for Single Euro Payments Area, which is a payment system designed to make cross-border payments within the European Union (EU) easier and more efficient. The SEPA-Lastschrift payment method allows for the direct debit of payments from a debtor`s bank account to a creditor`s account.

To initiate a SEPA-Lastschrift payment, the debtor must provide their creditor with their bank account details, including their IBAN (International Bank Account Number) and BIC (Bank Identifier Code). The creditor then uses this information to create a payment mandate, which is a legal authorization for the creditor to initiate direct debit payments from the debtor`s account.

There are two types of SEPA-Lastschrift payments: core and business-to-business (B2B). Core payments are for consumer payments, while B2B payments are for business-to-business transactions. B2B payments have a shorter notice period than core payments, meaning that the creditor can take payment sooner.

SEPA-Lastschrift payments are a popular payment method in Germany because they are convenient and secure. However, it is important for debtors to keep track of their payments and ensure that they have enough funds in their account to cover the direct debits.

In summary, a debit agreement (Lastschriftverfahren or SEPA-Lastschrift) is a legal document outlining the terms and conditions for the repayment of a debt in Germany. SEPA-Lastschrift payments are a secure and convenient payment method that allow for the direct debit of payments from a debtor`s account to a creditor`s account.

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