PAYROLL GARNISHMENT
a) Requirements:
1. There is a case
2. There is a final judgement
3. There is a Writ of Execution
4. There is a Notice to the holder of your funds
b) Exemptions:
Living allowance – food, shelter, clothing, transportation, education
Light, water, power ( see Rule 39 Sec. 13 of the Rules of Court)
c) Remedies
1. Negotiate with holder of funds
2. Elevate issue w/ BSP
(632) 5306-2584; (632) 8708-7087
https://facebook.com/BankoSentralngPilipinas
www.bsp.gov.ph web chat
3. File counter-suit or Motion
Hi po, how about po property po ng spouse? kasama po sa makukuha? ako po ang defaulted and single po ako sa cc. May lote po yong husband ko titled, masasama po ba yon in case magkakaso yong bank?
ReplyDeletehello, if the bank is updated na may asawa ka ay yes madadamay siya BUT BANK ONLY GO FOR DEPOSIT.
DeleteYOUR PROPERTY IS GOOD BUT BANK NEED CASH
Hi po, need help po. I don't know kung kanino po ako hihingi ng tulong para maibalik yung salary ko na na offset ng Unionbank last February 27, 2025. Alam ko po na against the law ito. nag undergo nko sa BSP Complaint. And kakatapos ng lng mediation yesterday. It was a failed/terminated mediation since hindi kme nagkasundo. Matigas si Unionbank naniniwala sila na walang mali sa pag offset nila ng payroll account ko. pero gusto ko padin ilaban para sa iba na na offset dn ang payroll and nakahold until now. Please help me po banker. Thank you in advance.
ReplyDeleteGrabe talaga Unionbank. Yung Citibank ko na nagamit ng friend ko once, and admittedly 3k lang niya nagamit (for milk ng baby niya, that's why pinatawad ko na lang) now 22k pa outstanding balance. Tinatanong ko ano transactions kasi hindi din talaga ako aware. Hindi daw nila alam na kasi January 2015 pa yung last transaction. Tapos ayaw magbigay ng installment para mabayaran sila. Ngabigay ng discount na 3.5k pero kailangan ko daw bayaran within the day. Tapos kapag i-un-hold daw nila yung pera at di ako nagbayad tinakot pa ko kakasuhan ako ng banko. Sabi ko edi sa inyo na inoffset n'yo tapos antayin nyo na lang kelan magkaroon ulit ng laman ng UB na yan kasi nagkamali lang talaga ko ng transfer eh kaya na-hold nyo yan.
DeleteAnyway, question po, kapag ba nag agree ako na magbayad sa kanila, yung matitirang balance po ba mag-iinterest pa? Sinabi naman nila na closed na yung account since 2015 pa yun. Willing naman na ako magbayad para matapos na yun kaso ayaw nila installment man lang. Thank you in advance.
Hi @Ms.Optimiste,
DeleteTAMA naman si UNIONBANK and that is even legal yung PAG OFFSET NG SALARY MO. asa terms nila upon getting your credit card sa kanila. Kilala diyan ang BDO, BPI and Unionbank.
Now, the diskarte ay once macredit ay kelangan matransfer or mawithdraw agad ang pera para hindi maulit. OR KUNG NAFREEZE NA, why not icash nalang and talk to your HR or accounting.
Hi @Mr. Kabado2,
DeleteNo po, Unionbank's T&C cannot overrule the Labor Code (wages are protected)
same here garnished by BPI since 2020. Hindi hinonor ni Judge yun request ko for exemption of salary at terminated na daw ang case.
Deleteyour case is similar to Prism Blue - BPI judgement obligor salary held by Land Bank which was eventually lifted; hinde na pursue after working on its "victory" to my dismay.
DeleteI'm still awaiting update on another one who promised to pursue filing a case against LBP.
if interested, e3u73f5qu@mozmail.com
☺
Yes sir antayin ko din paano magfile ng case against manager ng LBP. Umiiwas ata sila baka balikan sila ng court pag nirelease nila yun salary na naka hold.
DeleteThis comment has been removed by the author.
Deletecan you provide me your cp number here?
ReplyDeletee3u73f5qu@mozmail.com
Good Day po tama po ba na ang garnishment ay hindi po kasama ang savings account under ng name ng anak po,thank you po
ReplyDeleteYES.
DeleteThank you po Mr Kabado2, tinatransfer po kasi nmin agad ang salary namin po sa account ng anak po namin. Natatakot po kasi kami na baka pati po ang savings or ipon namin pra sa tuition nila ay magarnish kahit po ung account po nila lalo po at hindi ba minor ung eldest po namin na college
ReplyDeleteEmail ng Unionbank sakin, mukang wala na ko mapapala sa trabaho ko.🥲 di rin nagrant yung request ko sa HR na magchange ng payroll account dahil exclusive daw sila kay Union. Pwede lang daw i'grant if si UB na ang magsabi na need na iclose ang UB account ko. Naisip ko magresign na lang kung wala na din naman pala ko mapapala sa trabaho ko.😭
ReplyDeleteImportant Advisory: Your UnionBank Deposit Account
Has Been Put On Hold
Dear-----,
We have reviewed your UnionBank credit card and noted that you have an outstanding balance. Despite our previous attempts to collect, which were all unsuccessful, your account 440453******8179 remains unpaid.
In accordance with UnionBank’s Deposit Terms and Conditions, we would like to inform you that your deposit account has been placed on hold for an amount equivalent to your outstanding loan balance of 214,924.81. This means that any existing funds or future credits to your account will be used to offset your outstanding balance until the debt is fully settled.
We understand that unforeseen circumstances may have affected your ability to make payments. Our Collections Team is available to assist you in arranging a flexible payment arrangement to help you settle your balance within a reasonable timeframe.
For further details regarding the account hold or repayment options, please contact our Collections Team at 02-8423-3977 (Monday to Friday, 8:00 AM – 5:00 PM, excluding holidays), or email collections[.]assistance@unionbankph[.]com
We strongly encourage you to reach out at your earliest convenience to resolve this matter and prevent any further complications.
Sincerely,
Union Bank of the Philippines
same po. napapaisip na din ano pa options na pwede gawin. sumasahod ka nga pero di mo naman nahahawakan. naiipon lang sa payroll account.
DeleteGood day po. Sa nka attend ng first hearing, paano po ang nagiging scenario sa court. Never pa nag mediation sa court. D ko alam kun mediation ito or hearing na. 1.3M po sa Bpi. Salamat po
ReplyDeletenaka attend na din ako ng mediation dati nung nasa MTC pa yun sa CC case ko sa BPI. di rin nagkasundo kaya inakyat na sa RTC.
DeleteAno mo mangyayari pag hindi umattend sa hearing?
DeleteHi! I would like to ask advice. Mycredit card ako sa bpi. It so happen na my pension is also with bpi. Maaari bang maoffset nila ang pension ko para pangbayad sa utang ko? Pls enlifhten me
ReplyDeleteThanks
Hello po! I just want to know kung tama po ba yung iniisip ko.
ReplyDeleteMeron po kasi ako CC Loan sa BPI back 2023 and nasa collections na sya. Although nasa 80k++ lang yon (BPI + Subs), kinakapos pa rin po kaya di nakakapagbayad. Ngayon po, sa magiging new employer ko, BPI yung preferred bank nila sa payroll.
Considering po yung ROSO ni BPI, may effect po ba yung payroll account ko? Kahit na nauna yung delinquent ko bago yung account.
Thank you po sa makakasagot.
Is this for real: Please be informed that our law firm has waited long enough for your response to our messages and calls. We urge you to take immediate action to avoid possible legal action on your account. Union Bank
ReplyDeleteoh, they are just joking 😂
DeleteHi po ask ko lng. ung Garnish ng accounts. lahat po b ng bank accounts n under sa name mo is magagarnish? or dun lng sa bank kung saan meron kang debt? Also, gaano katagal ung utang para umabot n sa garnishing decision/stage? Thank you sa sasagot.
ReplyDeletesakin po 2017 yun decision pero 2020 na hold yun payroll account ko by Landbank. This year lang kinuha na yun partial amount na laman ng account ko ni Makati sheriff.
Delete1. Your Depository Bank :
ReplyDelete"Effective upon his/her failure to pay his/her obligation arising from the use of the CARD, the Cardholder does hereby assign and transfer to (the bank), without need of demand(or at its option)..etc"
2. Other Banks - Upon Judgment
Section 9 Rule 39 of Rules of Court
(c) Garnishment of credits. — The officer may levy on debts due the judgment obligor and other credits, including bank deposits, .."
p.s.
It's week-end, so off I go to my other mission
- your friendly neighborhood 🕸
😁
Good day Mr.Kabado at banker! Last may, nakatanggap ako ng writ of execution. Tapos kahapon, nakatanggap ako ng letter from one of my banks with deposit. Nakahold na sya. Also, pati ba gcash/maya, kaya nilang kunin? Meron din lupang nakapangalan sakin at sa kapatid ko, makukuha ba nila yun? May case na ba na nakuha yung lot/property due to garnishment/levy? Salamat ng marami. Nadedepress na ako.
ReplyDeletebanks only run after cardholders' deposits. 😊
DeleteIf the my deposit is on hold, does it mean that this is for garnishment already? After magarnish, can I use my account again, or should I opt to create a new account?
DeleteDi naman po nagalaw yun sa Gcash ko and other digital banks under my name. Stay strong para sa pamilya.
Deletenung na hold yun account ko sa LB. nag try ako magopen ng new account sa same bank para dun sana itransfer yun salary ko kaso nadetect din nila sa system e hehehe. di pwede sa ibang bank kasi payroll ko sa LB kaya wala din.
DeleteHi, i know its already weekend. i have back read most of the posts here and learned a lot. I just have some questions. I know this is wrong, but im starting to find a way to get away from this mess and circle of life (work-pay bills). I currenty have 3 CC and I pay them good, some in full and some just MAD, nevertheless, im always on time. I want to use my card in bad faith. I am thinking of using my credit card worth P300k to invest in Crypto market and no plans of paying. Just one of my CC (sb). And if by any chance the investment works out, ill pay the card off. but if not, and while waiting, i dont plan on paying the card. and still keep the remaining two cards. What are your thoughts on this? I know this is unethical. But reading all the posts and support you have here, I think it also applies to what i just said. What do you think? Im willing to send 3 yumbugers for the kids. Just need your expertise and thoughts. Thank you
ReplyDeleteNaku po, mahirap po yan. Parang pre meditated 😊. Sorry ha, tsaka yung crypto delikado. Masarap yung feeling na hindi ka hinahabol ng mga scammers na yan. I know the feeling. Kung maibabalik ko lang, sana hindi ko inaabot itong pananakot ng mga scammer na ito. Mabuti na lang nabasa ko na agad ito. Kaya kahit paano may alam na ako sa galawan nila. Pag isipan mo maigi gagawin mo.
DeleteI won't be judgemental on your plans.
ReplyDeletejust email me your CP number here: e3u73f5qu@mozmail.com
we can discuss it further before I go, or
after the weekend
😚
email sent po
DeleteHello everyone.. naka receive ako ng Demand letter from RGS. Medjo matagal na ko delinquent kay BDO worth 36k na . Tama ba na makipag nego ako para sa installment payment nlang kasi di ko talaga kaya bayaran ng buo kaso di din nmana ko sure na makakapg pay ako monthly kasi ang dami lang talaga nmin gastusin pa sa araw araw. Kaso super takot ako baka bumalik ulit sa bahay yung nag dala ng letter. Halos di na ko makatulog kakaisip kung ano mas best na gawin🤧😭😭 pls help mo po ng pwede gawin sa ganito sitwasyon.
ReplyDeleteHello. Silent reader ako sa group at isa din sa nagarnish ng BPI. January 2020 ng nagarnish/na hold yun payroll account ko thru a notice from Landbank. Nitong taon lang kinuha na ni sheriff ng court yun partial ng pera ko na naipon from 2020 to present. Nakipagnegotiate din ako sa collection firm na nagkaso sakin but hindi ako nakapagsettle due to the amount nsa hinihingi sakin para lang magkaroon kami ng agreement. Ang gusto ng collection agency e mag over the counter ako ng settlement payment daw e katwiran ko nahold nga sahod ko tapos hahanapan pa ako ng pang settle na cash. So moving forward, nakapagrequest pa ako ng hearing ulit sa court thru the help of a co-worker na lawyer sa office para mareconsider na malift yun garnishment pero di napagbigyan ni Judge sa Makati at sabi terminated na daw yun case. Government employee ako and permanent for 10 years na at hindi nagresign sa work ko hoping na yun maiipon na pera sa account ko e magiging sufficient para malift yun granishment sakin. kabikabilang loan dito, loan doon sa coop ng office, OLAs at yun mga bonus na pwede icheke para hindi na pumasok sa account ko. Although me Decision na nun 2017 e hind ako nagfile ng motion for reconsideration hoping na hindi mahohold yun salary ko e hinold pa din ni Landbank hanggang up to this period. Although me natira pa din sa nahold sakin sa account ko e di ko pa din sya magalaw and andito pa din ako work but already thinking and considering my options for the future. Sa mga katulad kong nagarnish din keep strong lang tayo para sa pamilya. Magpalakasan tayo ng loob at sana makapagkwentuhan tayo minsan.
ReplyDeleteI have a question about the garnishment. If funds are already on hold, kailan sya magagarnish? Nakita ko kc yung funds ko sa current balance, per yung available balance is zero. Magagamit ko pa ba yung account ko na nakahold? What is the best possible course of action? If I open a new account sa ibang bank, and magpadala doon, magagarnish din ba? Baka po may same case sakin.
ReplyDeletehi po gaano katagal kang delinquent bago nahold ung funds? is this a deposit account under same credit card n nadefault?
Delete2020 na hold yun laman ng account ko sa LBP pero this year lang partially na garnish.
Deletenahold lang naman yun account ko after mag notice si LBP sakin na nakahold na daw dahil me utos na galing sa sheriff ng court kung saan ang case ko. 2017 yun decision ng case and writ of execution pero 2020 lang naimplement yun paghold. payroll account ko yun and BPI yun CC ko nun.
DeletePayroll account lang ba garnish nila or pati personal account?
DeleteGood Day po. Ask ko lang if one time garnishment po ba ang BPI sa payroll or continous po? Naka past due na po ako ng 4mos and 780k na po ang outstanding. Kelan po kaya mag eeffect ang garnishment po? Thank you
ReplyDeletesakin nag effect lang ngayon taon pero yun garnishment ko e nung 2020 bago mag pandemic. nagtry kami ng kakilala ko na lawyer na magmotion to lift garnishment sa court last year. suntok sa buwan lang baka magconsider si judge pero ayaw talaga. pero nasa 500k palang yun nakuha ni sheriff. meron pa natira 200k plus sa LBP account ko pero nakahold pa din.
ReplyDeleteBakit nag ipon ka ng pera sa banko, malaki pala nakita nila?
DeleteCan you clarify :
ReplyDelete1. date of decision;
2. date of writ of execution ;
3. date of your motion;
4. cited cause/s for lifting
Hello Banker
ReplyDelete1. Date of Decision 2017
2. Date of Execution same year
3. Date nahold ng LBP yun account ko 2020
3. Motion to lift garnishment 2024, reset to March 2025 (denied-terminated case na daw sabi ni Judge)
4. Date of partial garnishment July 2025 (di nakuha lahat)
the Motion filed is for salary exemption
ReplyDeleteAlthough me notice of garnishment na di agad sya nakuha ni sheriff kasi me pending motion pako na naifiled last year and nakikipagnegotiate pako nun sa collecting agency. Tinatawagan din ako ng LBP para humingi ng update ng status kasi wala sila idea sa motion ko sa court, hanggang this July lang kinuha na yun partial amount na nasa LBP account ko.
ReplyDeleteGood day po! Tanong lang po, ang SSS pension po ba maaaring ma garnish and one time garnishment lang po ba. Salamat po.
ReplyDeleteAng alam ko po hindi po nila pwede pakielaman pag pension
DeleteKinukuha din po ba nila ang foreign account, eg. Dollar account na naka name sa spouse?
ReplyDeleteHello ask ko lang kung talaga bang makasuhan ako, nag pipay nman ako kahit paunti unti , 500 to 1K monthly. Para lang hindi masabi ni bank na pinabayaan ko yun acct ko . since 2020 pa yung cc ko at yan lng yun ginagawa ko. kasi di ko oa kaya bayaran ng full. Kahapon ng email yan sakin Panlilio Credit & Collection. never sila tumawag sakin gusto nila ako yun tumawag.
ReplyDeleteWe regret to inform you that, due to your failure to settle the outstanding balance debt owed to Security Bank Corporation, we have initiated legal proceedings. Despite our numerous attempts to resolve this matter amicably through multiple notices and reminders, the debt remains unpaid. Consequently, we are left with no option but to pursue legal action to recover the outstanding amount.
Be advised that legal action may include but is not limited to:
Filing a lawsuit in the appropriate court to secure a judgment for the amount owed.
Pursuing garnishment of wages or bank accounts to satisfy the debt.
Engaging the services of a collection agency or legal representative to assist in the recovery process.
Legal action can have severe and far-reaching consequences, and we strongly urge you to address this matter immediately to avoid further complications. If you wish to discuss the outstanding balance or explore possible resolution option, you must contact us within 2-3 BUSINESS DAYS from the date of this email.
Failure to respond or cooperate will result in further legal action being taken without additional notice. If you have any questions about your unpaid dues, please contact us at 09171270095 and ask for TEAM ELMER, one of our legal staff at Panlilio’s Credit and Collection Services, You can also reach us via email at pccs_securityrecovery@panliliocollections.com
We aim to resolve this matter swiftly and without the need for additional legal steps. Your immediate attention and cooperation in this regard are mandatory.
Thank you for your time and cooperation.
Sincerely,
Very truly yours,
ATTY. CLARENCE EVANGELISTA
Copy Furnished:
SECURITY BANK CORPORATION
114 Valero Street, Salcedo Village, Makati City
Note: If payment has been made, please disregard this email/letter.
Question po. Since ang sss and pagibig loans thru union cash card, pwede bang maoffset ni union bank ang amount sa delinquent Citibank cc?
ReplyDelete