If your bankbook is seized, even if you try to get a job, it is difficult to do all economic activities because most companies do not pay salaries only from your bankbook. It is 10 years from the date of the lawsuit when the passbook was seized. In addition, since there is a premise that there should be no lawsuit in it, it is virtually impossible to complete the statute of limitations for seizure of bankbooks. 통장압류 해지기간
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What is the statute of limitations for seizure of bankbooks? 1분전
How long is the lock-up period?
○ Kakao Bank account, which bank does not worry about seizure and seizure of pay?
If your bankbook is seized and is on statute of limitations, can you not withdraw all the money?
How to cancel the statute of limitations for debt collection and seizure of bankbooks in the state of default?
○ Apply for personal rehabilitation.
▼ Individual Rehabilitation Application Qualifications
○ Apply for change in the scope of foreclosure prohibition bonds
If my paycheck is seized, how much can I recover and how can I release the garnishment?
What is the Unemployment Benefit Keeper Bankbook that avoids the seizure of the bankbook?
How to cancel the seizure bankbook after the extinctive prescription is completed?
Can the credit recovery committee release the seizure of the bankbook during debt restructuring?
How to get money out of a seized account?
○ Prohibit wage garnishment
○ Living expenses seizure interest rate
○ What is an individual balance?
○ Application for change in the scope of claims for prohibition of seizure of wages and living expenses
What is the statute of limitations for seizure of bankbooks?
The statute of limitations for seizure of bankbooks is 10 years. However, the creditor may continue to extend the statute of limitations by means of claims (suit), seizure and provisional seizure, and sending of proof of content.
In the end, if the passbook is seized, the statute of limitations will cease forever unless the seizure is released.
How long is the lock-up period?
If you apply to the court for a bond seizure and collection order, it is usually seized within 7 to 10 days.
Debts between individuals have nothing to do with credit, but if they are not repaid within 6 months after the notarized payment due date, credit transactions will be restricted for the next 10 years if the creditor applies to the court for listing on the list of defaulters.
○ Kakao Bank account, which bank does not worry about seizure and seizure of pay?
There are people who use Kakao Bank because they are worried about foreclosure. However, Kakao Bank is seized. If a creditor puts a foreclosure on Kakao Bank, all Kakao Bank accounts used by the debtor are seized. However, foreclosure is the will of the creditor, so it can come in quickly or late.
Since Kakao Pay and Kakao Bank have different bases, it can be safe because Kakao Pay must be seized separately.
However, Saemaul Geumgo, regional Nonghyup, and Suhyup are operated by different corporations for each branch, so if you do not know the exact name of the branch, it is difficult to seize it. However, keep in mind that if you know the exact location, the seizure proceeds as it is.
If your bankbook is seized and is on statute of limitations, can you not withdraw all the money?
Article 246 of the Civil Execution Act. According to the Enforcement Decree, ‘1.5 million won, which is a deposit necessary for the debtor’s livelihood for one month, cannot be seized.’
However, banks seize even small amounts because they do not know the deposits of other banks. The reason is that it becomes complicated when creditors raise it. So I can’t withdraw even a small amount.
Otherwise, you will have to proceed with a lawsuit, but you will give up because it is time consuming and costly.
How to cancel the statute of limitations for debt collection and seizure of bankbooks in the state of default?
○ Apply for personal rehabilitation.
▼ Individual Rehabilitation Application Qualifications
1. Unrelated income must be issued.
2. Debts must be greater than assets (real estate, vehicles, etc.)
3. The sum of credit debts must be at least 10 million won and less than 1 billion won.
If you would like to see more details, please refer to the link below ▼.
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○ Apply for change in the scope of foreclosure prohibition bonds
→ If you are a basic livelihood recipient with a remarkably low income or have a health problem while defaulting on your debt, you can apply for a ‘change in the scope of non-seizure claims’ if there is a reason to convince you that repayment is impossible. ▼Please refer to the information below.
1. You can apply at the competent court that issued the seizure order.
2. Along with the application form, prepare and submit materials that can prove the fact that it is difficult to maintain a livelihood.
3. Salary statement, lease contract, basic livelihood security recipient certificate, account details, taxation data, etc.
If you make a decision after the screening, the decision will be sent to the creditor, and if there is no objection from the creditor within 1 week after that, the change in the scope of the non-seizure bond will be confirmed, and you can withdraw from the bank up to 1,850,000 won.
If my paycheck is seized, how much can I recover and how can I release the garnishment?
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If the salary passbook is seized, if the salary is 3 million won, you can find 1.85 million won. However, as mentioned above, the bank may not make the withdrawal because they do not know what the other bank balance is.
If you apply for a one-time change of seizure scope, you can withdraw the amount of 1.85 million won or less. However, it will take about a month to find the money. Please consider applying for personal rehabilitation on how to terminate the foreclosure.
What is the Unemployment Benefit Keeper Bankbook that avoids the seizure of the bankbook?
This is a bankbook dedicated to preventing foreclosures made to prevent seizure of unemployment benefits. The Unemployment Benefit Protection Bank Account is a bank account where only unemployment benefits can be deposited, and other funds cannot be deposited.
→ Only job-seeking benefits, extended benefits, and employment promotion allowances can be deposited
Procedure: ① Issuance of a receipt certificate on the first day of unemployment recognition – ② Visit the bank on the same day with a receipt certificate – ③ Open a bank account for the Unemployment Benefit Keeper – Visit the employment center
④ Confirm a copy of your bankbook and account number with the person in charge
How to cancel the seizure bankbook after the extinctive prescription is completed?
Copies of the Release Decision, List of Creditors, and Foreclosure Judgment are required. The exact application form can be obtained from the Supreme Court website. Attach the documents necessary for the termination of seizure to the court that issued the seizure ruling, and fill out and submit the application for termination of seizure.
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Can the credit recovery committee release the seizure of the bankbook during debt restructuring?
Even during debt restructuring by the Credit Recovery Committee, your bankbook may be seized. Cancellation is possible only after all repayments have been completed. Deposits of less than KRW 1.85 million can be released from bank account seizure if you apply for debt repayment or change in the range of prohibited bonds.
How to get money out of a seized account?
○ Prohibit wage garnishment
The salary is basically more than 2/1 of the seizure. If the amount is less than 1.85 million won, it is prohibited to foreclose unconditionally until 1.85 million won. Those who exceed 1.85 million won can find a larger amount than 1.85 million won.
○ Living expenses seizure interest rate
Deposits necessary for the debtor’s livelihood for one month are deposits with an individual balance of less than 1.85 million won, and even if my bankbook is seized, even creditors cannot withdraw up to 1.85 million won.
○ What is an individual balance?
Since it is an individual balance, not a bankbook balance, if I have several bankbooks, the total balance of all these bankbooks is up to 1.85 million won. That’s the problem, and that’s why the bank didn’t pay out because the bank didn’t know the other bank balance.
○ Application for change in the scope of claims for prohibition of seizure of wages and living expenses
1. In the case of salary, when you apply for a change in the scope of the salary account, you must enter the phrase ‘every month’ to find the monthly salary. Otherwise, you can save yourself the hassle of applying every month.
2. If you apply for a change of the range of pressure, you can apply for up to 1.85 million won.