法院就消債條例第133條適用之情形之檢討

Review of Court Practices on Application of Articles 133 of the Consumer Debt Clearance Statute

本文檢討法院對消費者債務清理條例第133條常見的解釋。本文主張第133條之可處分所得應以遭債權人強制執行（扣薪）後之實領薪資計；而所謂所得應係指增加自有財產之情形方屬之，因變賣財產並未增加自有財產，從而變賣財產之款項並非可處分所得；而借貸之撥款金，亦未增加自有財產，故借貸之撥款亦非可處分所得。

This article reviews the common interpretations of Articles 133 of the Consumer Debt Clearance Statute by the courts. The article argues that the disposable income under Article 133 should be calculated based on the actual salary received after garnishment by creditors; and that “income” should only refer to situations where one’s own assets are increased, thus proceeds from the sale of assets, which do not increase one’s own assets, should not be considered disposable income; likewise, loan disbursements do not increase one’s own assets and therefore should not be considered disposable income.