(1) A blacklisted debtor who has exceeded the amount of debt owed to a bank or financial institution, without paying the debt due to him, opens an account in a bank or financial institution located at home or abroad to keep the amount or to continue or operate such an account or purchase any movable or immovable property in any other way. but, (a) may open an account for the purpose of paying the loan or keep the amount in the account for thirty days and pay the loan by check. (b) for the purpose of basic necessary expenses for daily living To the extent of the amount, the debtor can withdraw the amount from the bank accounts in the country or abroad.