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Bankrap dan EPF

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asked on Apr 10, 2009 at 16:00
by   hadenuff
edited on Apr 17, 2017 at 08:44
 
1. Benarkah orang yang bankrap tidak dibenarkan mengeluarkan wang simpanan EPF ketika bersara?
2. Bolehkah wang EPF digunakan untuk menyelesaikan bankrap?

Terima kasih.
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24 Answers
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answered on Apr 26, 2009 at 09:34
by   Clarence Chong
edited Apr 26, 2017 at 03:54
 
Hi Hadenuff

1. Benarkah orang yang bankrap tidak dibenarkan mengeluarkan wang simpanan EPF ketika bersara?
Jawapan: EPF money is not affected by bankruptcy. It is protected under the law from
creditors. A bankrupt can withdraw his/her EPF money and can instruct EPF to bank
into another account - let say into your wife's/children's account if the bankrupt does not have a bank account. Even if a bankrupt has a permitted account from Insolvency Dept, it is not safe or advisable to deposit there.

2. Bolehkah wang EPF digunakan utk menyelesaikan bankrap?
Jawapan: Bila anda keluarkan wang EPF dengan cara diatas, wang itu boleh diguna untuk
selesai bankrapsi tetapi kalau sudah bersara - lebih baik guna wang EPF untuk sendiri.
Kalau tak ada sebab-sebab yang pratikal untuk perlepasan bankrapsi- misalnya sudah tua-
kenapa nak menyelesaikan bankrapsi. Sibankrap boleh pergi ke Mecca dengan mendapat kebenaran daripada Jabatan Insolvensi Malaysia walaupun bankrap dan sibankrap tak payah beritahu kepada sesiapapun wang keluaran daripada EPF kerana wang EPF hak bagi masa pensen/tua and wang EPF dilindungi bawah undang-undang tanah air kita. Sori, bahasa saya kurang baik.
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answered on Sep 6, 2011 at 21:47
by   Nazri
Hi,

Does this thread still applicable & does the condition mentioned still applies? How do we instruct EPF to transfer our money to our closest relatives & what are the procedures to do after that? How does this work with Insolvency Department?
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answered on Sep 6, 2011 at 21:50
by   Nazri
edited Apr 26, 2017 at 03:59
 
One more question which is the same as the 2nd question by @hadenuff: 'Can EPF money be withdrawn to payoff bankruptcy debt?'
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answered on Sep 7, 2011 at 00:40
by   vkpc
Can EPF money be withdrawn to payoff bankruptcy debt?

The answer is CAN after age 50/55 but you would be stupid to do that because being poor is much worse than being bankrupt.
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answered on Sep 8, 2011 at 05:32
by   nazri
edited Apr 26, 2017 at 04:02
 
The answer is CAN after age 50/55 but you would be stupid to do that because being poor is much worse than being bankrupt.

Thank you vkpc, but it still does not answer the question. 50/55 to withdraw EPF is the general truth that everybody knows even the stupid ones.
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answered on Sep 16, 2011 at 19:22
by   Kupusamy
edited Apr 26, 2017 at 04:02
 
@Nazri,

EPF money before age 50/55 cannot be withdrawn to payoff bankruptcy debt unless for special education and sickness.

Whether to use the EPF money to payoff the debt or not depends on your motivation, purpose and direction, it will lead you in your life.
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answered on Dec 25, 2011 at 03:55
by   Lissa
edited Apr 26, 2017 at 04:04
 
Saya juga nak tanya. Kalau seseorang itu mengisythirkan dirinya bankrap, adakah semua hutangnya akan hilang?
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answered on Dec 25, 2011 at 10:17
by   Almisa Amin
edited Apr 26, 2017 at 04:08
 
@ Lissa,

Saya juga nak tanya. Kalau seseorang itu mengisythirkan dirinya bankrap, adakah semua hutangnya akan hilang?

JAWAPAN: Bukan hilang tapi tak kena bayar semasa bankrap. Kalau masa depan, you nak "release" dari bankrapsi, you pula selesai sedikit hutang-hutang anda - barangkali 30% - 50% jumlah hutang anda.
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answered on Apr 10, 2017 at 15:53
by   ZAMMAR
edited Apr 26, 2017 at 04:13
 
Macam mana nak keluarkan duit KWSP sekiranya saya berstatus muflis. Apa yang perlu saya lakukan? Bagaimanakah caranya? Mohon pencerahan. Ini yang saya dengar:

1. Difahamkan KWSP akan menahan seorang yang berstatus muflis dan menyerahkan nya kepada Jabatan Insolvensi Malaysia (JIM).
2. Dari sahabat lain menyatakan Jabatan Insolvensi Malaysia (JIM) hanya mengambil jumlah ansuran baki yang tertunggak sahaja.
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answered on May 25, 2017 at 04:16
by   faiz
edited Oct 23, 2017 at 08:49
 
Saya juga nak tanya. Kalau seseorang diistihar bankrap, gaji semasa dalam akaun di sekat? contoh gaji tiap-tiap bulan masuk public bank, adakah wang tersebut tidak boleh di ambil?
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