Thứ hai, 23 Tháng 7 2018 14:49 | Cập nhật ngày Thứ năm, 10 Tháng 10 2019 15:02 | 
Viết bởi Nguyển Thị Điệp | 
Qua công tác kiểm sát thi hành án dân sự trên địa bàn, Viện KSND thành phố Bến Tre nhận thấy còn có khó khăn, vướng mắc trong việc xử lý tài sản cầm cố, thế chấp cụ thể:
Tại Điều 90 Luật THADS quy định về kê biên, xử lý tài sản đang cầm cố, thế chấp:
“1. Trường hợp người phải thi hành án không còn tài sản nào khác hoặc có tài sản nhưng không đủ để thi hành án, Chấp hành viên có quyền kê biên, xử lý tài sản của người phải thi hành án đang cầm cố, thế chấp nếu giá trị của tài sản đó lớn hơn nghĩa vụ được bảo đảm và chi phí cưỡng chế thi hành án.
2. Khi kê biên tài sản đang cầm cố, thế chấp, Chấp hành viên phải thông báo ngay cho người nhận cầm cố, nhận thế chấp; khi xử lý tài sản kê biên, người nhận cầm cố, nhận thế chấp được ưu tiên thanh toán theo quy định tại khoản 3 Điều 47 của Luật này”.
Theo quy định trên thì Chấp hành viên có quyền kê biên, xử lý tài sản của người phải thi hành án đang cầm cố, thế chấp nếu giá trị của tài sản đó lớn hơn nghĩa vụ được bảo đảm và chi phí cưỡng chế thi hành án. Khi kê biên tài sản Chấp hành viên thông báo ngay cho người nhận cầm cố, nhận thế chấp biết.
Tuy nhiên không phải trong trường hợp nào Chấp hành viên cũng có quyền kê biên, xử lý tài sản. Vì tại khoản 2 Điều 4 Thông tư liên tịch số: 11/2016/TTLT-BTP-TANDTC-VKSNDTC ngày 01/8/2016 của liên ngành Bộ tư pháp, Tòa án nhân dân tối cao, Viện kiểm sát nhân dân tối cao có quy định: “Trường hợp tài sản cầm cố, thế chấp đủ điều kiện để kê biên, xử lý theo quy định tại Điều 90 Luật Thi hành án dân sự mà người nhận cầm cố, thế chấp đang tiến hành xử lý để thu hồi nợ vay theo quy định của pháp luật về xử lý tài sản bảo đảm thì Chấp hành viên không thực hiện việc kê biên, xử lý đối với tài sản đó nhưng phải có văn bản yêu cầu người xử lý tài sản cầm cố, thế chấp thông báo ngay kết quả xử lý tài sản cho cơ quan thi hành án dân sự, giữ lại số tiền còn lại (nếu có) để cơ quan thi hành án dân sự giải quyết theo quy định của pháp luật”.
Như vậy, trong trường hợp tài sản cầm cố, thế chấp mà người nhận cầm cố, thế chấp đang tiến hành xử lý để thu hồi nợ vay theo quy định của pháp luật về xử lý tài sản bảo đảm thì Chấp hành viên không thực hiện việc kê biên, xử lý đối với tài sản đó.
Tuy nhiên, trong thực tế có trường hợp tài sản cầm cố, thế chấp mà người nhận cầm cố, thế chấp không (chưa) tiến hành xử lý để thu hồi nợ vay thì Chấp hành viên cũng không thể kê biên, xử lý được vì người nhận cầm cố, thế chấp cho rằng hợp đồng vay chưa đến hạn, tài sản vẫn đang còn thế chấp… Điều này dẫn tới người nhận cầm cố, thế chấp không phối hợp với Chấp hành viên để kê biên, xử lý đối với tài sản đó (như không phối hợp trong việc giao giấy tờ liên quan đến tài sản cầm cố, thế chấp). Trường hợp này pháp luật hiện nay chưa quy định phải xử lý như thế nào./.
Nguyễn Văn Nhanh - VKSND thành phố Bến Tre
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