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Kebankrapan: Sah jawatan dalam jabatan kerajaan dan wang KWSP

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asked on Feb 13, 2020 at 03:13
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edited on May 8, 2021 at 00:12
 
Saya berkhidmat dalam jabatan kerajaan dan telah muflis dan juga telah hadir ke Jabatan Insolvensi Malaysia (JIM). Saya juga telah disahkan jawatan dan telah diberi PTB (pemberian taraf berpencen). Akaun gaji saya tidak disekat.

Persoalannya:

1. Adakah wang KWSP saya akan diambil oleh pihak Insolvensi sekiranya wang tersebut berjaya dikreditkan kepada akaun gaji saya?

2. Boleh tak wang KWSP tersebut dikreditkan terus pada akaun isteri/anak saya?
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answered on Feb 13, 2020 at 08:36
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1. Adakah wang saya akan diambil oleh pihak insolvensi sekiranya wang tersebut berjaya dikreditkan kepada akaun gaji saya?
Kebiasàan nya apabila seseorang itu jatuh bankrap akaun bank nya akan di beku dan kemudian akan  memerlukan kebenaran jabatan insolvensi untuk membuka akaun semula.

Nàmun jika akaun tuan masih tidak atau belum dibeku dan sekira nya gaji juga berjaya di kreditkan kedalam nya maka ambil saja kesemua tanpa meninggalkan baki. Kerana ia mungkin bersifat sementara saja. 

2. Boleh tak wang kwsp tersebut dikreditkan terus pada akaun isteri/anak saya?
Pada pengetahuan saya - tidak boleh.
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answered on Feb 13, 2020 at 09:20
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edited May 7, 2021 at 20:27
 
Untuk pengetahuan @rara_, saya bankrap sejak 2015 dan mempunyai 3 akaun bank sebelum bankrap. Hanya dua akaun bank yang dibekukan. 1 akaun bank untuk duit keluar masuk tidak pernah dibekukan.
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answered on Feb 13, 2020 at 11:29
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edited May 7, 2021 at 20:32
 
@LoneRider

1. Adakah wang KWSP saya akan diambil oleh pihak Insolvensi sekiranya wang tersebut berjaya dikreditkan kepada akaun gaji saya?
According to the policy of Jabatan Perkhidmatan Awam Malaysia (PSD), a Govt Servant banking account (salary for bankrupts) would not be cancelled unless for criminal offences.

And you can remain working for the Government under bankruptcy.

However, any deposits other than the Government salary you are receiving can be taken away to repay Proof of Debts creditors. So, never lend your this banking account to anybody or use for any other private purposes.

2. Boleh tak wang KWSP tersebut dikreditkan terus pada akaun isteri/anak saya?
The moneys inside this Joint Accountt with EPF is creditor proof when it remains inside EPF, but once withdrawn, a percentage will be withheld by EPF and send to Jabatan Insolvensi Malaysia into your bankruptcy estate. According to one case I know, it was 30% of the amount withdrawn but it would be case to case basis, based on your living expenses as per declaration in the I&E (every 6 months) of your Statement of Affairs. 

Any EPF withdrawals (for bankrupts) must be banked into single personal name account of the bankrupt - NO CASH. A letter of authority for withdrawal must be obtained from Jabatan Insolvensi Malaysia and inside would state the amount to be deducted to be remitted into Jabatan Insolvensi Malaysia (bankrupt's estate).
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answered on Feb 13, 2020 at 15:29
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edited May 7, 2021 at 20:33
 
@jeff005 

Maknanya saya takkan dapat duit kah?
Maaf sebab tak berapa faham English.
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answered on Feb 13, 2020 at 16:20
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edited May 7, 2021 at 20:34
 
@rara_

Boleh menerangkan dalam Bahasa Malaysia?
Terima kasih e-bang..

Cheers..
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answered on Feb 13, 2020 at 22:50
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edited May 8, 2021 at 00:07
 
2. Boleh tak wang KWSP tersebut dikreditkan terus pada akaun isteri/anak saya?

@jeff005,
What he meant by this question was whether he can make an EPF withdrawal and the money be credited into the personal account of his wife or his children directly from the EPF.
He did not mention anything about a joint account.

My answer to him in my earlier reply was that as far as I know EPF would not allow it.

@LoneRider,
Wang pencarum di dalam EPF adalah selamat tanpa boleh dicabar oleh mana-mana kreditor hatta Jabatan Insolvensi Malaysia sekalipun. 

Namun jika wang itu sudah berada dalam akaun bank seseorang bankrap ia akan tertakluk pada Akta Bank Perdagangan pula maka wang itu boleh dicabar dengan perintah mahkamah atau Akta Insolvensi yang sudah tertakluk ke atas si bankrap.

Berbalik kepada soalan kamu, saya ingin memberi cadangan. 

Kamu buatlah pengeluaran epf dalam jumlah yang kecil kedalam akaun kamu yang tidak dibeku itu. Jika berjaya kamu keluarkan tunai dan kemmudian baru serah pada ahli keluarga. Kemudian ulang lagi pengeluaran setiap bulan.
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answered on Feb 14, 2020 at 00:19
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edited May 8, 2021 at 00:11
 
EPF ACCOUNT is a Joint Account between EPF and contributor, hence it is Creditor Proof by EPF laws.

All undischarged (active) bankrupts withdrawals requires a release letter from Jabatan Insolvensi Malaysia.

Thanks bro..
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answered on Jul 7, 2020 at 21:02
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edited May 8, 2021 at 00:19
 
@LoneRider

Sudah boleh keluar kah duit KWSP itu? Macam mana statusnya (dapat keluarkan semua duit atau Jabatan Insolvensi Malaysia ambil sebahagian) dan kalau tak, keberatan boleh share sikit cara-cara pengeluaran itu?
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