Practice question
Investigators obtain a valid identity-only WDCD under EastWest Rural Bank for a protected dollar-account holder. An ordinary judgment creditor then claims that disclosure of identity itself waives the separate RA6426 garnishment protection. No lawful execution exception or relevant waiver is otherwise established. Which answer is correct?
- The identity-disclosure authority does not by itself establish authority to garnish the protected dollar deposit
- Every lawful disclosure automatically transfers the deposit to every creditor
- EastWest Rural Bank repealed the separate garnishment protection
- A WDCD is itself a final money judgment for the creditor
- Knowing the holder’s name automatically changes dollars into pesos
Legal references
- PD1246 amending RA6426 Section8: https://lawphil.net/statutes/presdecs/pd1977/pd_1246_1977.html RA6426 Section8 garnishment proviso.
- EastWest Rural Bank v. PNP-ACG, GR273720, July29 2025, Hernando MAIN: https://lawphil.net/judjuris/juri2025/jul2025/gr_273720_2025.html MAIN limited WDCD and no blanket implied-repeal holdings.
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