If your bankbook has been seized, it is important to normalize your bankbook through a cancellation application. This kind of foreclosure can happen to people with bad credit. Learn about the release period and how to release seized bankbooks.
The period during which the seizure of the bankbook is released and how to apply for cancellation 통장압류 해지기간
Seizure of bankbooks is one of the most seized areas. If you do not properly repay your credit card delinquencies or credit loans, etc., your bank account will be seized. 1분전
At this time, the creditor freezes the debtor to prevent the debtor from concealing or disposing of the property, but since the process proceeds without the debtor’s knowledge, the debtor later learns that the bankbook is seized.
It is easy for the debtor to panic when the bankbook is seized, as withdrawals are rejected and the money in the bankbook may not be kept.
However, even in the case of people with poor credit, such as overdue, non-payment, default, etc., you do not have to panic because you can solve the seizure of your bankbook in the following way.
Period of release of bankbook seizure and time of effect
The seizure of the debtor’s bankbook takes effect only after 3 months of overdue. In other words, from the last point of 3 months since it was overdue, the debtor’s passbook will be seized. This is due to the profit and loss of the deadline, and it is easy to understand if you look at the contents of the Fair Trade Commission.
On the contrary, in order to release the seizure of the bank account and receive or receive wages normally, it is possible from the 25th of the month following the decision to authorize personal rehabilitation.
So, what should I do to get rid of the seizure of the bankbook and cancel it?
How to apply for cancellation of seizure of bankbook
If your bankbook is seized, you may file a restraining order along with personal rehabilitation, but if it has already been seized, you will have to release your bankbook in another way.
<Real-time recommended best>
Good product guide for places where you can get multiple emergency fund loans
Quick and easy Kakao Bank emergency fund loan application
The fastest and easiest way to make a feed when you need a feed
Restraining and injunctions
It is impossible to release the seizure of previously seized bankbooks only by filing a personal rehabilitation prohibition order. If there is already a foreclosure, you must also apply for a cease and desist order.
Because a restraining order takes effect after it is filed, it does not protect against previous seizures.
Usually, when a garnishment proceeds, a situation arises in which the creditor garnishes the debtor’s wages, but if you apply for a stop order, you will not be able to take part of these wages.
In this way, if a decision is made to authorize personal rehabilitation after a certain portion of the creditor’s seizure of the bankbook is prevented, the seizure of the debtor’s bankbook can be terminated.
The termination of the seizure means that the bankbook can be used, that is, the period for the release of the seizure of the bankbook is from the 25th of the month following the approval decision, and from this point on, normal salary receipt and deposit are possible.
After the approval decision, it is important to raise your credit score while using a bank other than the creditor’s bank, and of course, it is important to receive an exemption decision while paying the personal rehabilitation repayment steadily.
Defend minimum living expenses in case of seizure of bankbook
If the passbook pressure comes in, it is good to apply for a change in the range of seizure bonds that can protect the minimum living expenses of 1.5 million won.
Creditors can basically seize the debtor’s deposits or insurance money, but they cannot seize the amount of insurance money within the range of about 1.5 million won needed to maintain the minimum livelihood. This applies to cases such as the wages of basic livelihood security recipients.
Scope of Prohibited Property
Save Print List
txsi.hometax.go.kr
Since the application for a change in the range of foreclosure claims differs from the basic living security recipient in that the documents to be prepared are different, it is recommended that this part be filled out after inquiring through the court complaint room, or get help from the Legal Aid Corporation or a lawyer.
Learned about the period of release of foreclosed bankbooks and how to find money. It will take a certain amount of time after the cancellation request, so it is better to know in advance and prepare.