빚탕감-개인회생파산 변호사 무료상담

For those who suffer from debt, such as business failures, debts, debt hikes ...

The nation is operating a personal rehabilitation system and a personal bankruptcy system to make a fresh start.

Progress may vary depending on the debt situation, but due to debt interest and debt reminders,

If it's hard to live a normal life, it's a good idea

It will be a good judgment for my family and myself.





▶ What is the Individual Rehabilitation System?
If a person who is insolvent is earning a certain income and pays a certain amount for three to five years, he or she is exempt from debt.


▶ Eligibility

-Salary Income or Business Income: Must be a person who is likely to continue to earn regular, solid income, such as monthly salaries, pensions and business income.
-Total Debt: The amount should not exceed 500 million won for unsecured debt and 1 billion won for collateral debt. You can apply for general rehabilitation if the debtor exceeds this amount.
-Reimbursement period: can not exceed 5 years.
-Insolvency: The debtor must be more than the property owned (real estate, real estate, deposits, loan repayment receivables, etc.).
-Five years must elapse if you have received a prior immunity determination (including immunity from bankruptcy procedures).
※ If it is deemed sufficient to promote rehabilitation through personal rehabilitation procedures or general rehabilitation procedures, filing for personal bankruptcy may result in dismissal.


▶ Conditions for Application for Individual Rehabilitation

-Make money and pay more to creditors over three to five years than dispose of the property you own and pay off debt
-No need to dispose of owned property
-There must be a certain amount of income beyond that which the liquidation value is guaranteed.
-Even if debt is increased due to waste or gambling
-Limited to debt limit (1 billion mortgage, 500 million unsecured)


▶ Conditions for Application for Personal Bankruptcy

-No clearing value guaranteed
Paying off debts by disposing of property;
-No constant income
-Disclaimer may be disallowed if insolvency is reached due to waste or gambling
-No limit on debt