통장압류 해지기간If you get a loan from a financial institution such as a bank or borrow money from an individual and fail to pay it back, the representative action that the debtor can take is foreclosure. However, if your salary account is seized or a bankbook with interest on deposits is seized, you will not be able to use even the minimum funds necessary for basic livelihood or living. Depending on the method, withdrawals can also be made from seized accounts.
The first way to solve bank book seizure is, of course, to reach an amicable agreement with the creditor. You can terminate the foreclosure through an agreement with the creditor, who became an individual who became a financial company, but of course you have to promise by a certain way that you will repay your debt in some way.
When your payroll passbook is seized because you are in arrears, your company is generally required to remit a certain portion of your salary to the creditor. However, if you file a personal debt reconciliation with the Credit Recovery Commission, your company should no longer remit the garnishment amount. Of course, not remittance does not mean that the debtor can receive all of the salary. When personal debt reconciliation is finalized and wage garnishment is lifted, the company you worked for will remit the accumulated accumulated amount to the Credit Recovery Committee in a lump sum and then distribute the money to creditors. is what you can do. However, at this time, if the wage garnishment is a full order, you cannot apply for personal debt adjustment itself, so you must check it out. You need to read the salary seizure decision sent by the court carefully and check if there is the word “full order”. Here, the full order means that the debtor’s seized monetary claim against the third debtor is replaced by the payment of the execution claim and the claim for execution cost. It refers to the decision of the enforcement court to transfer to the foreclosure creditor.
In the case of deposit accounts other than payroll bankbooks, in the past, it was difficult to use deposit accounts that were already seized even if personal debt adjustment was finalized. However, from December 2020, it has become possible to release the seizure of deposits for those who have finalized personal debt reconciliation. If the total balance of the account under your name is less than KRW 1.85 million, you can request the seizure creditor to release the seizure of your deposit account. This is the application for a change in the scope of foreclosed bonds.
Application for change of scope of seizure prohibition bonds is divided into two types: the case where the bankbook is seized as the seizure prohibition bonds are deposited, and the case where money other than the seizure prohibition is deposited into the bankbook and seized. It refers to wages of less than 10,000 won, labor incentives, and basic security benefits. If you attach documents to prove this, seizure will be lifted regardless of income or property. If it is judged that it is difficult to maintain a minimum livelihood without money, the foreclosure is released. Basically, download and install a mobile application called ‘AccountInfo’ or go to a site called ‘Account Information Integrated Management Service’ on a PC for integrated account management You must print out the service query result and submit it.
If it is difficult to inquire the service using a smartphone or PC, you can print it out by visiting a nearby bank with your ID card. In addition to the account integrated management service inquiry results, there may be necessary documents, and necessary documents or expenses may be seized. You can check by calling the main number of the creditor finance company.
