If a certain period of time passes without repayment of the debt, it is registered as a defaulter. In particular, when using a bank, it can be seized at any time. Today, let’s take a look at whether there are accounts that cannot be seized and opened a bank account.
Opening a bank account for bad credit
Contents [Contents]
Are there any accounts that cannot be foreclosed?
How to open a bank account for bad credit?
Is there an amount that cannot be foreclosed?
Are there any accounts that cannot be foreclosed?
Whether or not there really is a bankbook that cannot be seized is, in conclusion, a question.
However, such a passbook is not a general passbook, but only passbooks used in special cases, such as the Happiness Keeper Passbook that pays for the basic living recipients’ benefits, and the Unemployment Benefit Keeper Passbook that receives unemployment benefits. All can be foreclosed.
If you are unable to repay the debt at this point, it can be viewed as a situation where a bankbook can be seized at any time if it is not the bankbook mentioned above. If so, what should a person with bad credit do to use the bankbook without being seized? We’ll take a closer look below.
How to open a bank account for bad credit?
Basically, even if you have bad credit, you will not be penalized for opening a bank account. However, even if you open a bankbook, it can be seized at any time, so if you can’t pay your current debt, there are a few things you need to be careful about when using a bankbook.
1. It is recommended to use multiple bankbooks. 신용불량자 통장개설
Because it can always be a foreclosure until the debt is paid, creating and using as many bankbooks as possible is a way to reduce the burden even if foreclosure occurs.
2. Avoid banks that are likely to foreclose. 좋은뉴스
When a creditor seizes a bankbook, there are practically difficult parts to seize all financial institutions, so there is a high possibility that the financial institutions located near the debtor’s house and workplace will be seized first.
Next, it is not recommended to use a passbook that the creditor knows. For example, do not use a bankbook that the creditor already knows, such as a credit card payment account or a loan repayment account, as it will be seized first.
3. Use 2 financial institutions rather than bank notes.
In the case of a bank, if you apply for seizure, all accounts in the bank will be seized. If possible, it is better to create a passbook at a financial institution operated by a union, such as Saemaul Geumgo, Suhyup, or unit nonghyup, rather than a bank. Even in this case, it is recommended to open a bankbook in a place that is as far away as possible rather than near where you live or work.
Please be careful when using Kakao Bank and K Bank, which are frequently used recently, as they may be seized with banknotes at any time.
passbook that cannot be foreclosed
Is there an amount that cannot be foreclosed?
Of course, there is a range of non-seizure bonds that creditors cannot seize. This amount cannot be seized for the minimum living expenses of 1.85 million won, which the debtor needs to live.
However, the reason why the use of the above-mentioned passbook is important is that the creditor does not know how much is in the passbook at the time of seizure and applies for seizure to the court.
In order to find the money that corresponds to the minimum cost of living, you must submit an application to the court to change the scope of the bond prohibiting seizure. The process itself can take a long time as it is a part that must be applied to the court. Therefore, it is the most realistic way to use the passbook as described above if possible.
Finally, even for those with bad credit, it is possible to open a bank account, but it can be seized at any time until the debt is paid off.