Befähigungsprüfung Inkassoinstitute Practice Questions - Austria Befähigungsprüfung für das reglementierte Gewerbe der Inkassoinstitute Exam - Befähigungsprüfung Inkassoinstitute Practice Questions - Austria Befähigungsprüfung für das reglementierte Gewerbe der Inkassoinstitute Exam

Question 1

Under § 1392 of the Austrian General Civil Code (ABGB), what legal effect does a valid assignment (Zession) have on the assigned claim?

The claim passes from the previous creditor (assignor) to the new creditor (assignee) with all collateral and secondary rights unchanged The original debt is extinguished and replaced by a completely new obligation (Novation) between debtor and assignee The debtor is immediately relieved of the obligation unless the debtor expressly consents in writing to the assignment The claim becomes an unenforceable natural obligation until confirmed by a competent district court

Correct Answer:

The claim passes from the previous creditor (assignor) to the new creditor (assignee) with all collateral and secondary rights unchanged

Question 2

What is the crucial legal distinction between an open assignment (offene Zession) and a silent assignment (stille Zession) regarding debtor performance?

In an open assignment, debtor notification (Verständigung) means the debtor can only achieve debt discharge by paying the assignee; in a silent assignment, payment to the assignor discharges the debt A silent assignment is legally invalid against third parties unless registered in the Austrian commercial register (Firmenbuch) In an open assignment, the debtor loses all defences that existed against the assignor prior to the assignment A silent assignment automatically converts the claim from a commercial claim to a private consumer loan

Correct Answer:

Question 3

Under § 1396a ABGB, what is the legal standing of a contractual prohibition of assignment (Zessionsverbot) between two entrepreneurs in a bilateral B2B commercial transaction?

An agreed assignment prohibition between businesses is only valid if individually negotiated and not grossly unfair to the creditor Any assignment prohibition in B2B contracts is absolutely null and void under mandatory European commercial law An assignment prohibition between entrepreneurs is always binding on third parties regardless of standard contract terms Assignment prohibitions are only permitted if filed with the Austrian Federal Ministry of Justice

Correct Answer:

An agreed assignment prohibition between businesses is only valid if individually negotiated and not grossly unfair to the creditor

Question 4

A commercial supplier delivers goods to a retailer under a bilateral B2B contract. The retailer defaults on payment. According to § 456 of the Austrian Commercial Code (UGB), what is the statutory default interest rate?

9.2 percentage points above the applicable base rate (Basiszinssatz) published by the Oesterreichische Nationalbank 4.0% fixed per annum regardless of changes in the European Central Bank policy rate 8.0 percentage points above the 12-month EURIBOR benchmark 12.0% fixed per annum plus statutory compound interest

Correct Answer:

9.2 percentage points above the applicable base rate (Basiszinssatz) published by the Oesterreichische Nationalbank

Question 5

In addition to default interest, what flat-rate recovery compensation is a creditor entitled to claim in a B2B transaction upon debtor default under § 458 UGB?

A lump-sum compensation of €40 for internal recovery costs, without having to prove specific damage A mandatory surcharge of 10% of the total outstanding invoice amount A statutory fixed handling fee of €150 payable directly to the debt collection agency No flat-rate compensation is permitted; all administrative expenses must be proven with individual receipts

Correct Answer:

A lump-sum compensation of €40 for internal recovery costs, without having to prove specific damage

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Prepare with the Befähigungsprüfung Inkassoinstitute Practice Questions - Austria Befähigungsprüfung für das reglementierte Gewerbe der Inkassoinstitute Exam practice quiz. This question bank includes 100 questions covering austrian, debtor, debt, statutory, and abgb. Use it to review important concepts, identify knowledge gaps, and build confidence for the related exam, course, or assessment.

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Befähigungsprüfung Inkassoinstitute Practice Questions - Austria Befähigungsprüfung für das reglementierte Gewerbe der Inkassoinstitute Exam

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Befähigungsprüfung Inkassoinstitute Practice Questions - Austria Befähigungsprüfung für das reglementierte Gewerbe der Inkassoinstitute Exam

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