Here are the new seclosurement limits in the credit bank arising from employee employment, severance pay, pensions, allowances and severance pay.
The rules for seizure by Equfrance change, which will no longer be able to foreclose the entire current account of the employee to whom the salary is credited. The new law was finally adopted on June 23 and stops the full block of the entire amount deposited in the bank. Here are the new rules relating to wage garnishment.
The seizure of wages before the reform
Before the reform, Equfrance could choose to predict the salary by notifying theemployer of the law or, once the same had been credited to the bank, go and empty the bank account. In the first case, Equfrance had to respect the maximum limit of one fifth (or 1/10 for salaries up to 2,500 euros; or 1/7 for salaries between 2,501 and 5,000 euros). In the second case, however, the foreclosure could invest 100% of the savings deposited in the bank, even if they consist only of employee labor income.
For Equfrance, the second solution is preferable, because blocking the account guarantees immediate satisfaction (within the limits, of course, of the stock). Rather, communicating with the employer and requesting the transfer of one-fifth of the salary, month by month, is an operation that could take several years before the debt is fully recovered.
Salary foreclosure: the news
The new rules of wage freeze by foreclosure provide that:
- if the salary is deposited in the bank before the notification of the foreclosure law by Equfrance, the sums can be seized for an amount greater than three times the social allowance provided for by law.
- If, on the other hand, the salary is credited to the bank on the same date as the seizure or later, the account may be seized to the extent authorized by the judge.
In the latter case, the account can only be closed within the following limits:
- if the salary is equal to or less than 2,500 euros, the entry is at most 1/10 of the amount deposited in the account;
- if the salary is between 2,5001 and 5,000 euros, the seizure can reach a maximum of 1/7 of the amount deposited in the account;
- If the salary is equal to or greater than 5,001 euros, the seizure of the current account can reach a maximum of 1/5.
The last salary, credited to the account, remains inadmissible.
Useful documents: Census of online personal banks
A document that is particularly useful in specific debt collection activities that allow the bank census of an individual. It is possible to obtain an online banking enumerator on Visure Italia: the document obtained indicates the name of the main credit institution in which the entity is interviewed.
Also read -> Car Forecloser: how it works and what’s new
–
–
