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Muflis atas pinjaman syarikat orang lain.

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asked on Jul 31, 2022 at 21:09
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edited on Jul 31, 2022 at 21:09
by   chef simon
Assalamualaikum dan salam sejahtera.
Nak minta khidmat nasihat berkenaan case saya.,

Saya berusia 49 tahun...telah mempunyai keluarga dan anak seramai 5 orang ( masih bersekolah) dan isteri tidak bekerja.
dan tinggal di flat Petaling Jaya.Oleh kerana masalah ekonomi saya terpaksa bekerja di luar negara sejak 2016...tinggalkan anak dan isteri di malaysia.

1-Cerita dia macam ni...kawan xxxx ni guna nama saya sebagai Director (syarikat pembinaan)sejak 2006.
  untuk nak bagi nampak macam company melayu.Ada orang tanya napa bagi nama orang pakai..? sebab saya dulu gaji kecik.dan tanggungan banyak.Sekarang ni saya dalam proses bankruptcy and no way of avoiding it...masalah muflis atas pinjaman syarikat ni.
(Syarikat adalah SDN BHD bukan enterprise )

2-Sejak 2006 syarikat tiada masalah...tapi sebab covid nie sejak 2 tahun lalu syarikat ada masalah. 
 dan baru baru ni saya dapat surat lawyer mengatakan saya dalam proses bangkrap...Notis prosiding bangkrap sudah pun diklankan di Berita Harian..dan account maybank saya pun dah freeze tak boleh lagi buat transcation.....

3-Bolehkah saya mengelakkan status bangkrap? nak bayar hutang syarikat tu memang tak mampu..jumlah yang dipinjam amat tinggi..dan saya rasa tak worth it jika saya yang membayarnya.
Lagipun yang case muflis nie duit bukan saya dapat pun (kawan xx yang buat pinjaman syarikat).

4-Saya kalau atas personal loan sendiri,loan rumah, credit card saya memang jaga betul dari segi payment...tak pernah miss bayar.tapi tak sangka sebab kawan xxxx tu saya jadi macam ni...beyond my control....teraniaya dan dikhianati betul..call kawan xxxx pun dia tak angkat, dan whataps tak reply..pergi office pun dah tutup..so stupid saya  ni...percaya orang....

5-Fikiran saya sekarang amat buntu dan celaru,terasa hidup kelam dengan case ni. Ada info cakap saya dilindungi dan aset tidak disita.(atas status director @ penjamin syarikat SDN BHD).cuma pegang status bangkrup je..(pinjaman oleh syarikat SDN BHD tapi duit sesen pun saya tak dapat.Benarkah info tersebut?

6-Saya takde apa apa aset ..( ada rumah flat dan motor buruk je ) wife dan anak seramai 5 orang kat malaysia dah takut dan risau rumah akan kena sita dan tiada tempat tinggal.lepas case muflis ni saya feeling totaly lost..rasa kosong je hidup ni....ingat dah usia diambang senja  nie ada lah duit asb dan epf untuk hari tua..tapi sayang semua dah kena freeze..

7)Saya pun dah google dan ada baca beberapa forum... memang takde cara lain dah ,saya kena jumpa person in charge pegawai insolvensi(JIM).Yang paling takut passport akan diblacklist untuk pergi oversea...sudahlah saya mencari rezeki di bumi asing.. 

terima kasih atas bantuan dan khidmat nasihat.
SMY
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answered on Aug 1, 2022 at 01:25
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1.  EPF is creditor proof, only if it is not withdrawn into personal acct.

2.  ASB is a unit trust fund and is not creditor proof. It will be liquidated to pay POD creditors.

3.  The flat dwelling (if fully paid) and is under single name, will also be liquidated.

4.  When and if bankrupted, report in to JIM, then apply to go overseas for the purpose of work. The DGI will approve the application with T&C.
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answered on Aug 1, 2022 at 04:57
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thanks Mr. jeff005 atas reply..

1)on 18hb ogos ini ada "Creditor's Petition' case saya akan dibuat di mahkamah shah alam,,
from that date agak agak berapa lama lagi i have a time before status bangkrup dibuat? plan nak surender my ASB LOAN.
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answered on Aug 2, 2022 at 21:54
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nak  tanya kalau saya tak hadir petition penghutang ada waran tsngkap atau ada effet apa apa tak?

*saya bekerja di luar negeri..
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answered on Aug 2, 2022 at 22:32
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@ chef simon

I do not understand the following 

"plan nak surender my ASB LOAN"

There is a loan? Once bankrupted, the lender will have to file POD to JIM for any balance of this loan acct.

Firstly I will go into your concerns :

tak hadir petition penghutang ada waran tsngkap
The answer is NO. No waran tangkap.
But by not attending, you will be bankrupted the very same day /morning.
A Bankruptcy Order (BO) will be issued but you have 14 days to appeal against this BO within 14 days - with valid reasons.

There are several options to deal with your case, also subject to circumstances. But if if unable to repay the loan (company) you will be eventually bankrupted. There is no other option. As a Director of a Sdn Bhd, you would sign a personal guarantee (jointly and severally) to towards this loan.

You are under a personal bankruptcy as a guarantor. Please ignore what you have read in the internet regarding Guarantors liability towards commercial loans. A guarantor can be bankrupted. The only exception is a guarantor cannot be bankrupted is for study loan. I shall deal with this misinterpretation and misinformation later. Your house (if fully paid) can be seized to repay POD creditors.

You may have other issues that comes with this bankruptcy. 
Mainly that you cannot make a new passport once the current one expires. If VN employment laws requires a valid passport, you have to come back, otherwise you have overstay in VN and can be ban from re-entering VN.

When is your passport expiring? As well as work permit?
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answered on Aug 3, 2022 at 14:25
by  
#Mr. jeff005 

thanks atas penerangan tuan...
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answered on Aug 4, 2022 at 14:40
by  
#Mr. jeff005 ..
( Saya ada tanya satu firma lawyer ) ..berkenaan case saya..
*kalau saya hire lawyer for fight this case untuk mengelakkan Bangkrup...
what percentage untuk menang?
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answered on Aug 4, 2022 at 15:14
by  
edited Aug 4, 2022 at 15:17
by   jeff005
Your bkcy amount is RM100,000++
Your assets worth?

On what grounds you fight?

As a Guarantor?

Based on what was declared above.. 

My personal opinion is   zeerooo 

Read here : https://www.lawyerment.com/answers/questions/14206/lawyer-for-annulment-of-bankruptcy-order

Price quoted to fight the bkcy RM15-20K

As for me, if i,m in the same situation.. just bankrupt me and I pay to JIM RM100-200 per month. I would save every single penny for my 5 children education and living expenses.

Yes i oso have 5.. that's why my profile name is jeff005, the magical 5..

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answered on Aug 4, 2022 at 16:33
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# Mr jeff005 
very appericate you answer...
 

One more question..

I have read berkenaan dengan undang undang baru akta bangkrup ini..
Mengatakan untuk pelepasan status bangkrap..
orang yg bangkrup perlu mematuhi beberapa perkara yang pihak JIM perlukan..

1)Benarkah seorang bangkrup perlu mematuhi pembayaran at least 50% dari jumlah (POD)baru
pelepasan status diberikan?
2)Benarkah pelepasan akan diberikan selepas 3 tahun we made payment to JIM..
and follow their rules..even orang yang bangkurp tak buat pembayaran 50%?
( case muflis saya ni hutang berjuta ) tak terbayar walau dikembalikan hidup 2 kali..
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answered on Aug 4, 2022 at 23:05
by  
pembayaran at least 50%

This is what i always says, misconception and misinterpretation of bkcy laws.

Read the whole section for "bkcy discharge". There is a caveat there. Still subject to the approval of all the creditors. The DGI can approve the application (to be filed in court), but the creditors (even one) can file objection in the court.
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answered on Aug 6, 2022 at 08:35
by  
# Mr jeff005 

thanks atas reply.

1)saya akan balik malaysia untuk hadir case..

2)mr jeff sudah lepas dari bangkrup?
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