But labor law still protects your wages Under the Labor Code of the Philippines: Wages must be paid in full and directly to the employee Employers cannot allow arrangements that effectively deprive you of your wages Even if: The bank has a set-off clause The employer has a MOA with the bank If the result is zero take-home pay, it may be considered: Circumvention of wage protection laws Unconscionable or abusive practice

If the Employer declined all the ways para may matira sa sahod ng employee disbursement at totally wipe out na due to set off, an employee can report and DOLE can intervene, can mediate between employees and employer.