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Integrale schuldhulp-
  en dienstverlening


       VTLB
Vrij te laten bedrag / afloscapaciteit

VTLB: budget voor het noodzakelijke levensonderhoud.
Grofweg:
- Wat is het inkomen?
- Wat is het minimaal noodzakelijke bedrag voor levensonderhoud?
- Verschil  afloscapaciteit

Het totale vrij te laten bedrag is opgebouwd uit:
Het vrij te laten bedrag/Beslagvrije voet + nominale bedrag/correcties
Nominale correcties: meer kosten dan eigenlijk mogelijk binnen vtlb
 Budgetbegeleiding

Inkomen op bijstandsnorm? Tabel afloscapaciteit

Geen of onvoldoende afloscapaciteit??  WSNP
Voorbereidingsopdracht 1: inkomsten in VTLB

Welke inkomsten zijn er? & Wat is inkomen voor VTLB en wat niet?
Waarom?


Voorbereidingsopdracht 2: Beslagvrije voet
Beslagvrije voet 90% bijstandsnorm

Knelpunten:
- Niet volledige informatie van situatie, waardoor niet juiste/volledige bvv
   berekend kan worden
 Minimale bvv (niet verstrekken info)
 Halvering beslagvrije voet (niet opgeven ander inkomen)

-   Door onjuiste bvv kunnen elders nieuwe achterstanden ontstaan

Uitzonderingen inkomen van bvv:
• freelance-inkomen;
• VUT-uitkeringen;
• vergoeding gemeenteraadslid;
• huurtoeslag;
• zorgtoeslag.
 Art 475 Burgerlijker Rechtsvordering
Praktijkopdracht: VTLB

Aandachtspunten VTLB:
- Gezinssituatie: samenwonend (beiden of alleen in regeling, verdeling lasten)
- Gezinssituatie –wwb norm
- Gebruikte inkomen (rekening gehouden met inhoudingen?)
- Toeslagen en heffingskorting opgevoerd?
- Te betalen of ontvangen kostgeld
- Woonlasten (rekenhuur)
- Evt Reiskosten
- Alimentatie
- Jaarlijkse gemeentelijke belastingen en waterschap
Eigen woning in VTLB:
WEL
- Hypotheekrente
- Hypotheekrenteaftrek
- Erfpacht
- Overige kosten zijnde 0,04% WOZ-waarde, omhelsen opstalverz., klein onderhoud)

NIET, tenzij op redelijke termijn vermogensvergoeding ten gunste vd boedel komt
Aflossing op de lening zelf
Kapitaalverzekering
Moduleopdracht en afsluiting

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NCOI - Integrale schuldhulpverlening - Vtlb

  • 1. Integrale schuldhulp- en dienstverlening VTLB
  • 2. Vrij te laten bedrag / afloscapaciteit VTLB: budget voor het noodzakelijke levensonderhoud. Grofweg: - Wat is het inkomen? - Wat is het minimaal noodzakelijke bedrag voor levensonderhoud? - Verschil  afloscapaciteit Het totale vrij te laten bedrag is opgebouwd uit: Het vrij te laten bedrag/Beslagvrije voet + nominale bedrag/correcties Nominale correcties: meer kosten dan eigenlijk mogelijk binnen vtlb  Budgetbegeleiding Inkomen op bijstandsnorm? Tabel afloscapaciteit Geen of onvoldoende afloscapaciteit??  WSNP
  • 3. Voorbereidingsopdracht 1: inkomsten in VTLB Welke inkomsten zijn er? & Wat is inkomen voor VTLB en wat niet? Waarom? Voorbereidingsopdracht 2: Beslagvrije voet
  • 4. Beslagvrije voet 90% bijstandsnorm Knelpunten: - Niet volledige informatie van situatie, waardoor niet juiste/volledige bvv berekend kan worden  Minimale bvv (niet verstrekken info)  Halvering beslagvrije voet (niet opgeven ander inkomen) - Door onjuiste bvv kunnen elders nieuwe achterstanden ontstaan Uitzonderingen inkomen van bvv: • freelance-inkomen; • VUT-uitkeringen; • vergoeding gemeenteraadslid; • huurtoeslag; • zorgtoeslag.  Art 475 Burgerlijker Rechtsvordering
  • 5. Praktijkopdracht: VTLB Aandachtspunten VTLB: - Gezinssituatie: samenwonend (beiden of alleen in regeling, verdeling lasten) - Gezinssituatie –wwb norm - Gebruikte inkomen (rekening gehouden met inhoudingen?) - Toeslagen en heffingskorting opgevoerd? - Te betalen of ontvangen kostgeld - Woonlasten (rekenhuur) - Evt Reiskosten - Alimentatie - Jaarlijkse gemeentelijke belastingen en waterschap
  • 6. Eigen woning in VTLB: WEL - Hypotheekrente - Hypotheekrenteaftrek - Erfpacht - Overige kosten zijnde 0,04% WOZ-waarde, omhelsen opstalverz., klein onderhoud) NIET, tenzij op redelijke termijn vermogensvergoeding ten gunste vd boedel komt Aflossing op de lening zelf Kapitaalverzekering