2021 개인회생 개인파산 신청 자격 비용 무료 상담

Individual rehabilitation/bankruptcy is a system that adjusts debts (debts) that cannot be resolved through individual efforts.

First of all, individual rehabilitation requires that the applicant's monthly income minus the minimum cost of living is paid to the creditor for 3 years, up to 5 years, and the remaining debt is exempted.

For example, if a person with a debt of 200 million earns 2 million won per month, the minimum cost of living in 2021, excluding 1.1 million won, is paid off 900,000 won every month for 3 years. At this time, there is no interest on the debt of 200 million.

Then, if you pay 900,000 won per month, 36 times for 3 years, that is, 32.4 million won, the remaining debts of about 170 million won are exempted.

At this time, the minimum cost of living can be calculated not only for the applicant, but also for the family that he/she needs to support economically, and the minimum cost of living varies depending on the number of persons recognized by the court.

In the following personal bankruptcy, if a person who is judged to be incapable of economic ability (due to disability, old age, etc.) has a greater amount of debt (debt) than the current assets, the remaining assets excluding the assets necessary for living are disposed of and are liable. Is to pay off and finish.

Again, for example, if a person with a debt of 200 million has 50 million won in assets, 10 million won will be given to the creditor after subtracting the funds needed for a living (40 million won for example), and will be exempted from any remaining debts. .

In addition, debts of up to 500 million won in case of individual rehabilitation and up to 1 billion won in case of personal bankruptcy are possible. In addition, debts arising from gambling and stocks are possible, as well as bank loans, debentures, card debts, and personal debts borrowed from acquaintances.