When you tried to withdraw cash from a bank or ATM, or when you tried to transfer money through mobile banking, you may have experienced embarrassment because the transfer was not successful. 통장압류 해지기간
If withdrawal is not possible even though the balance of the bankbook is not 0 won, it can be considered that the bankbook has been seized. There are many.
Therefore, below, we will look at various information such as how to confirm seizure of bankbook, the procedure for seizure of bankbook, and reopening of bankbook when seizure of bankbook.
How to check bankbook seizure 1분전
What is quite embarrassing and confusing about bankbook seizure is that even if a bankbook is seized, there is no notification or separate guidance that the bankbook has been seized.
There are many reasons why there is no separate guidance before seizure of bankbooks, but it is because all the money in the account before seizure may be stolen or borrowed money may not be repaid. If so, how do you check for bankruptcy?
Even if the bankbook is seized, it is possible to check the balance of the bankbook at ATM normally, and the same can be done through the bank application. However, if such a case occurs because cash withdrawal or account transfer is not available, the quickest way to check whether or not the bankbook is seized is to contact the bank by phone.
Passbook Seizure Procedure
Then, let’s briefly look at the procedure for seizing a passbook. The bankbook seizure procedure proceeds in the following three steps: obtaining the executive title, the application court, and the tertiary debtor bank application. The creditor seizes the deposit receivables of the bank with which the debtor transacts by applying for a seizure and collection order to the district court having jurisdiction over the address of the debtor.
Obtain executive title
court application
Debtor Bank Application
Seizure of bankbooks is carried out by bank, and it is possible to proceed even if the creditor does not know the account number and only knows which bank it is. However, in the event of seizure of the bankbook, collection is possible only for the balance exceeding *1.85 million won, such as deposits.
*Minimum living security amount
When the bankbook is seized, debt collection is possible only for the balance exceeding 1.85 million won. It means that up to 1.85 million won is left in the name of the minimum cost of living. However, this 1.85 million won is the sum of all accounts and banks, not each bank.
In addition, just because 1.85 million won is left, it does not mean that you can take it out and use it carelessly. The minimum living security payment of 1.85 million won can be used by submitting an application to the court to change the scope of the anti-seizure bond.
How to look up the bankbook seizure case number
If your bankbook has been seized, you can find out the current situation by looking up the bankbook seizure case number.
Seizure of bank accounts
At this time, the seizure of the bankbook is carried out by bank, regardless of the account number. Collection is possible only for amounts exceeding 1.85 million won in deposit balance.
The time it takes to seize a bankbook
Seizure of bankbooks is the last step in the process of seizing bankbooks discussed above, and a judgment of seizure comes out as soon as 1 week and at the latest 10 days after the application is received.
How to cancel passbook seizure (how to solve)
There are three main ways to cancel a passbook seizure:
Consultation with Creditors
The first step is to negotiate with creditors. However, it is often difficult to negotiate when the bankbook is seized. In this case, it is wise to negotiate through a plan to pay off at least some of the debt using a government-backed loan product and pay off a certain portion later.
Personal rehabilitation application
Personal rehabilitation refers to a legal relief procedure that adjusts part of the principal and interest when the amount of debt is too large and the interest is also difficult to afford.
Although the conditions and procedures for individual rehabilitation are complicated, if approved, no more debt collection is possible and no additional interest is attached, so if you continue to pay for several years other than the minimum living expenses, all foreclosure measures can be lifted.
personal bankruptcy
Although it is more complicated and difficult than personal rehabilitation, bankruptcy can be canceled through personal bankruptcy, but there are financial and economic disadvantages after bankruptcy, so there are more people who recommend personal rehabilitation and actually look for personal rehabilitation.
Passbook Seizure Extinction
The statute of limitations for debt is 10 years, and the statute of limitations for seizure of bankbooks is also the same at 10 years.
Opening a bankbook after seizing a bankbook
If so, it is better to avoid opening a bank account at a bank that has been seized after the bank book is seized. The reason is that the creditor knows that the bank has a bank account for the debtor. This is because it can be seized faster if the bankbook seizure is re-proceded later.
In addition, it is possible to earn time for the second financial bankbook to be seized later than the first financial bankbook. Therefore, it is better to avoid first-tier financial institutions or internet banks.
Bank book seizure release cost
Seizure of a bankbook usually requires a period of about 2 weeks to release the seizure, and the cost to cancel the seizure of the bankbook is usually about 50,000 to 100,000 won.