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select count(*) from happy_member_stats where user_id = 'ZeroDebt' AND action_id = '18.207.133.27' AND action_type = 'board_count' AND action_value = 'board_mini_free' AND action_number = '1148'
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INSERT INTO happy_member_stats SET user_id = 'ZeroDebt', action_id = '18.207.133.27', action_type = 'board_count', action_value = 'board_mini_free', action_number = '1148', reg_year = '2022', reg_month = '06', reg_day = '25', reg_date = '2022-06-25', reg_date_time = '2022-06-25 03:43:37'
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ÄÝ·º¼Ç乫 & ä±ÇÃß½ÉÇØ°á Collection Debts / »ó¼¼º¸±â

Ä«µåºúÀ» °±Áö ¾ÊÀ¸¸é ¾î¶»°Ô µÇ³ª?

What Happens If I Don’t Pay My Credit Cards?


 

Á¤´çÇÑ »çÀ¯¾øÀÌ Ã¤¹«ÀÇ ³»¿ë´ë·Î ÁöºÒÇÏÁö ¾Ê°í Ä«µåºúÀÌ ¿¬Ã¼µÇ¸é ¾î¶»°Ô µÉ±î¿ä?”

ÀǽÄÁÖÀÇ ÃÖÀú»ý°èºñµµ ¹úÁö ¸øÇØ ÇÏ·çÇÏ·ç ¸Ô°í »ì±âµµ Èûµçµ¥ ´ãº¸µµ ¾Æ´Ï°í ¹«´ãº¸ 乫ÀÎ Å©·¹µ÷ Ä«µåºúÀ» °±Áö ¾Ê´Â´Ù°í ¹«½¼ Å«ÀÏÀÌ ³¯±î? ÀҴ´ٸé ÀÌ¹Ì ¶³¾îÁ®¹ö¸° ½Å¿ëÁ¡¼ö Á¤µµÀÏÅÙµ¥…”

°¡Áø Àç»êµµ ¾ø¾î¼­ »©¾Ñ±æ °Íµµ ¾ø´Âµ¥ ±»ÀÌ Ä«µå»ç¸¸ ¹èºÎ¸£°Ô ÀÌÀÚ¸¸ ³»´Â ¿ù Minimum Payment ¸¦ ÇÒ Çʿ䰡 ÀÖÀ»±î?”

ÀÌ·¸°Ô »ý°¢ÇϽô ºÐµéÀÌ¶óµµ ÁøÀÛ ¼ÓÀ¸·Î´Â ¸¹ÀÌ ±Ã±ÝÇϽDz®´Ï´Ù. ±×·¡µµ ³»°¡ ÇÊ¿äÇØ¼­ ¾´ Ä«µåºúÀε¥, “¸¸¾à Ä«µåºúÀ» °±Áö ¾Ê°í °è¼Ó ¿¬Ã¼ÇÏ¸é ¾î¶»°Ô µÉ±î?” ... ¶ó°í ¸»ÀÔ´Ï´Ù. 

¿ì¼±, Ä«µå»ç´Â ÀÏÁ¤±â°£ µ¿¾È ÀÚüÀûÀ¸·Î ²öÁú±ä Ãß½ÉÀüÈ­, ÆíÁö¸¦ ÅëÇØ¼­ 乫ȸ¼ö¸¦ À§ÇÑ ³ë·ÂÀ» ±â¿ïÀÔ´Ï´Ù. ¿¬Ã¼ÈÄ ¾à ÇÑµÎ´Þ Á¤µµ Áö³ª¸é Legal Action À» ÇÏ°Ú´Ù°í ÆíÁö¸¦ º¸³» °æ°í¸¦ ½ÃÀÛÇÕ´Ï´Ù (Notice to Intention to Sue).

¶§·Î´Â ¹Ù·Î Demand Letter ¸¦ º¸³» 乫¼Ò¼ÛÀÇ ´Ü°è¿¡ µé¾î°¡±âµµ ÇÕ´Ï´Ù. Demand Letter´Â 乫µ¶ÃËÀåÀ¸·Î ¹Î»ç¼Ò¼Û (乫¼Ò¼Û)ÀÇ Á¦ 1´Ü°è·Î Á¤½ÄÀ¸·Î ä±ÇÀÚ°¡ º¸³»´Â Collection Letter (ä±ÇÃß½ÉÀÇ °øÁö¼­ÇÑ) ÀÔ´Ï´Ù. º¸Åë ÀºÇàÀÇ ´ã´ç º¯È£ÀÎÀº 乫ÀÚ°¡ ³³ºÎ±âÇѳ»¿¡ ¾È³¾°ÍÀ» ÃßÁ¤ÇÏ¿© ¹Ì¸® µ¿½Ã¿¡ Á¦2´Ü°èÀÎ Plaintiff’s Claim (¼ÒÀå)À» ÁغñÇØ µÓ´Ï´Ù.

Ä«µå»ç´Â 乫µ¶ÃËÀåÀÇ ³³ºÎ±âÇÑÀÌ Áö³ªÀÚ¸¶ÀÚ ÁغñÇÑ Plaintiff’s Claim (¼ÒÀå)À» ¹Ù·Î ¹ý¿ø¿¡ Á¢¼ö½Ã۴µ¥ ÀÌ Plaintiff’s Claim ¿¡´Â 乫¿¡ °ü°èµÈ ¸ðµç °³ÀÎ (º¸ÁõÀÎ Æ÷ÇÔ), »ç¾÷ü, µ¿¾÷ÀÚ µîÀ» Æ÷ÇÔÇÏ¿© Litigation (¼Ò¼Û) À» Á¦±âÇÒ ¼ö ÀÖ°Ô µË´Ï´Ù.  

Æ®À§ÅÍ·Î º¸³»±â ÆäÀ̽ººÏÀ¸·Î º¸³»±â ¹ÌÅõµ¥ÀÌ·Î º¸³»±â ¿äÁòÀ¸·Î º¸³»±â ½ÎÀÌ¿ùµå °ø°¨
ºÒ¹ýä±ÇÃ᫐ ´ëó¹æ¾È (¿Â¶óÀÎ ¹Î¿øÁ¢¼ö ¹æ¹ý ¹× ¹®ÀÇÀüÈ­¹øÈ£)
ÄÝ·º¼Ç乫 & ä±ÇÃß½ÉÇØ°á Collection Debts > »ó¼¼º¸±â | 2016-03-14 17:58:55
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ºÒ¹ýä±ÇÃ᫐ ´ëó¹æ¾È (¿Â¶óÀÎ ¹Î¿øÁ¢¼ö ¹æ¹ý ¹× ¹®ÀÇÀüÈ­¹øÈ£)
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ºÒ¹ýä±ÇÃ᫐ ´ëó¹æ¾È (¿Â¶óÀÎ ¹Î¿øÁ¢¼ö ¹× ¹®ÀÇÀüÈ­¹øÈ£

Stop Collection Agency Calls & Harassment

 





ºÒ¹ýä±ÇÃ᫐ ¹× ºÒ¹ýÃß½ÉÇàÀ§¶õ?  Collection Agency Harassment


1.         
乫ÀÚ µ¿ÀǾøÀÌ ÀÏÁÖÀÏ¿¡ 3ÀÏ ÀÌ»ó ºúµ¶ÃË ÀüÈ­¸¦ Çؼ­ ±«·ÓÈ÷°Å³ª »ç»ýȰÀ» ¹æÇØÇϴ ÇàÀ§.
2.         ÁÖÁß ±×¸®°í Åä¿äÀÏ ¿ÀÈÄ 9½Ã¿¡¼­ ¿ÀÀü 7½Ã »çÀÌ¿¡ Çϴ ºúµ¶ÃË ÀüÈ­.

3.         ÀÏ¿äÀÏ ¿ÀÈÄ 1½Ã¿¡¼­ ¿ÀÈÄ 5½Ã »çÀ̸¦ Á¦¿ÜÇÑ ³ª¸ÓÁö ½Ã°£´ë¿¡ Çϴ ºúµ¶ÃË ÀüÈ­.

4.         ¹ýÁ¤ÈÞÀÏ (Statutory Holidays) ¿¡ Çϴ ºúµ¶ÃË ÀüÈ­.

5.         ¼ö¼ö·á¸¦ ¿ä±¸Çϴ ÇàÀ§.

6.         À§Çù, Çù¹Ú, °­¾Ð, ¸ðµ¶Àû ¾ð¾î¸¦ »ç¿ëÇÑ Ãß½ÉÇàÀ§.

7.         »çÀü ¼­¸éÅ뺸¾øÀÌ °í¼ÒÇϰڴٰí Çù¹ÚÇϰųª ±×·± À§ÇùÀ» °¡Çϴ ÇàÀ§ (Threatening of a Legal Action).

8.         ÆøÇ࠶Ǵ Çù¹ÚÀ» °¡Çϰųª À§°è ¶Ç´Â À§·ÂÀ» »ç¿ëÇØ¼­ Çϴ Ãß½ÉÇàÀ§.

9.         Ã¤¹«Á¤º¸¸¦ Á¤´çÇÑ »çÀ¯¾øÀÌ °ü°èÀΠ(乫ÀڠģÁ·, Ä£±¸, Á÷Àå»ó»ç, µ¿·á, ÀÌ¿ô) ¿¡°Ô ¾Ë·Á ºÎ´ãÀ» Áִ ÇàÀ§.


 

¿¹¿Ü:

§     Ã¤¹«°ü·Ã Á¤º¸¸¦ Ã¤¹«ÀÚ º¸ÁõÀΠ(Co-Signer, Guarantor) ¿¡°Ô ¾Ë¸®°í ºúµ¶ÃË Ãß½ÉÇàÀ§´Â ÇÕ¹ý.

§     ÀüÈ­¹øÈ£ ¶Ç´Â ÁýÁÖ¼Ò¸¦ ¾Ë±â À§Çؠ乫ÀÚ °ü°èÀο¡°Ô ÀüÈ­Çϴ ÇàÀ§´Â ÇÕ¹ý.

§     Ã¤¹«ÀÚ µ¿ÀÇÇÏ¿¡ Ã¤¹«ÀÚ °ü°èÀο¡°Ô ÀüÈ­Çϴ ÇàÀ§´Â ÇÕ¹ý.


10.
       
ÇãÀ§»ç½Ç, ¿ÀÇØ¼ÒÁö°¡ Àִ ä¹«Á¤º¸¸¦ Ã¤¹«ÀÚ ¶Ç´Â °ü°èÀο¡°Ô ¾Ë¸®´Â ÇàÀ§ (False or Misleading Information).

11.       Ã¤¹«ÀÚ ¶Ç´Â Ã¤¹«ÀÚÀÇ °¡Á· Ä£Áö µî¿¡°Ô ¿¬¶ôÇÏ¿© ´ëÀ§º¯Á¦¸¦ °­¿äÇϰųª À¯µµÇϴ ÇàÀ§.

12.       ¾÷¹«»ó ¾Ë°Ô µÈ Ã¤¹«ÀÚ ½Å»óÁ¤º¸¸¦ Å¸Àο¡°Ô ´©¼³Çϴ ÇàÀ§.

13.       Á¤´çÇÑ »çÀ¯¾øÀ̠乫ÀÚÀÇ Á÷Àå¿¡ Ã£¾Æ°¡ ¾÷¹«¸¦ ¹æÇØÇϰųª ¸ð¿åÀ» Áִ ÇàÀ§.

14.       ±× ¹Û¿¡ ½É¾ß¹æ¹® µî°ú °°À̠乫ÀÚ ¶Ç´Â °ü°èÀÎÀÇ »ç»ýȰ ¶Ç´Â ¾÷¹« ¹æÇØÇϴ ÇàÀ§.

15.       ±× ¹Û¿¡ Ã¤¹«ÀÚ¸¦ ±«·ÓÈ÷´Â ÇàÀ§.

 
 

¸¸¾à, ÇöÀç Ãß½ÉÁßÀΠCollection Agency ·Î ºÎÅÍ ºÒ¹ýÃß½ÉÀ» ´çÇϰí ÀÖ´Ù°í ÀǽÉÀÌ µé¸é:

 

1.         ¸ÕÀú, ÀÚ»çÀÇ »ó´ã¿ø¿¡°Ô ¹®ÀÇÇϽø頺ҹýÃß½Éȸ»ç¿Í Ã¤±ÇÃ߽ɹ®Á¦¸¦ Ã³¸®Çϴµ¥ À¯¿ëÇÑ Á¤º¸¸¦ ¾òÀ¸½Ç ¼ö ÀÖ½À´Ï´Ù.

2.         ÁÖÁ¤ºÎ °ü°èºÎó¿¡ ¹Î¿øÀ» ³Ö±â Àü¿¡, ¹Ýµå½Ã ¸ÕÀú ºÒ¹ýÃß½ÉÇàÀ§ °ü·Ã ³»¿ëÀ» Complaint Letter ·Î ÀÛ¼ºÇؼ­ Ãß½Éȸ»ç¿¡ ¼­¸éÀ¸·Î ¼Û´ÞÇϰí, Áï½Ã ºÒ¹ýÃ߽ɠÁßÁö¿Í Ã߽ɹý±Ô¸¦ ÁؼöÇÏ°í ½ÃÁ¤ÇÒ °ÍÀ» ¿ä±¸ÇÕ´Ï´Ù.

3.         ±×·¡µµ ºÒ¹ýÃß½ÉÀÌ °è¼ÓµÇ¸é, °´°üÀû Áõ°Å¹°À» È®º¸Çؼ­ ÁÖÁ¤ºÎ¿Í ¼ÒºñÀÚ ¼­ºñ½ººÎó’ È¨ÆäÀÌÁö¸¦ ÅëÇØ Online Complaint FormÀ¸·Î ¹Î¿øÁ¦±â¸¦ ÇÒ ¼ö ÀÖ½À´Ï´Ù. À̶§ »ó±â 2¹øÀ» ¸ÕÀú Çؾ߸¸ ºÒ¹ýÃß½ÉÇÇÇØ½Å°í°¡ Á¢¼öµË´Ï´Ù.

4.         ÀÚ¼¼ÇÑ »çÇ×Àº ¾Æ·¡ °ü°èºÎó È¨ÆäÀÌÁö¸¦ ÂüÁ¶ÇϽðųª, ÀüÈ­¹®ÀǷΠÁ÷Á¢ µµ¿òÀ» ¹ÞÀ» ¼ö ÀÖ½À´Ï´Ù.

 

1-800-889-9768  or  416-326-8800

 

§  Ministry of Government and Consumer Services

§  https://www.ontario.ca/ministry-government-and-consumer-services

 

§  Online Complaint Form

§  https://www.consumerbeware.mgs.gov.on.ca/esearch/compform/english/complaint.jsp

 

§  Government of Ontario

§  https://www.ontario.ca/page/filing-consumer-complaint

 

´õ ÀÌ»ó ºÒ¹ýä±ÇÃ߽ɿ¡ ½Ã´Þ¸®Áö ¸¶½Ã°í, Ã¤¹«¹®Á¦ Çذá°ú ÇÔ²² ÇÕ¹ýÀûÀ¸·Î Ã¤±ÇÃ߽ɿ¡¼­ ÇÏ·ç¼ÓÈ÷ ¹þ¾î³ª½Ç ¼ö ÀÖ½À´Ï´Ù. Ä³³ª´Ù ¿¬¹æÁ¤ºÎÀÇ °³ÀÎȸ»ý°ú ÆÄ»êÀýÂ÷¿¡ ÀÇÇÑ ºúû»ê°ú ÇÔ²² ±ÝÁöÁßÁö¸í·É¿¡ ÀÇÇØ ¸ðµç Ã¤±ÇÀÚ Ãß½ÉÇàÀ§°¡ ¸ØÃß°Ô µË´Ï´Ù. ¼Ò¼Û ¿ì·Á°¡ Àְųª ¼Ò¼ÛÁßÀ̰ųª ¹ý¿øÀÇ È®Á¤ÆÇ°áÀÌ ³»·ÁÁø »óŶ󵵠°³ÀÎȸ»ý ¶Ç´Â ÆÄ»ê ½Åû¼­¿¡ ¼­¸íÇϸé, ¹Ù·Î ¹ýÀÇ º¸È£¸¦ ¹Þ°Ô µË´Ï´Ù. ÁÖÀÇÇÒ Á¡Àº, ´ëºÎºÐÀÇ ÁÖ¿¡¼­ ¾Ð·ùÁýÇàÀýÂ÷ÀΠJudgment Lien Àº È¸»ýÆÄ»êÀ¸·Îµµ ÇØÁ¦µÇÁö ¾Ê´Â Á¡ÀÔ´Ï´Ù. ¼ÒÁßÇÑ Àç»ê¿¡ Lien ÀÌ °É¸®±â Àü¿¡ Ã¤¹«Ã»»êÀ» ½Å¼ÓÈ÷ Çϴ °ÍÀÌ ÁöÇý·Î¿î ´ëÀÀÃ¥ÀÔ´Ï´Ù.

¹«·áÀڰݽɻ砹נ¹«·áÀ繫Æò°¡¼­¸¦ º¸³»µå¸®´Ï Áö±Ý ¹Ù·Î ÀüÈ­Çϼ¼¿ä. ¹«·á乫»ó´ãÀüÈ­´Â 1-888-510-ZERO (9376) ¶Ç´Â 647-560-HOPE (4673); ºü¸¥ À̸ÞÀÏ »ó´ãÀº sjung@zero-debtcanada.com ´õ ÀÚ¼¼ÇÑ Á¤º¸´Â ÀúÈñ À¥»çÀÌÆ® www.zero-debtcanada.com  www.4debtors.ca   www.facebook.com/ZeroDebtCanada  ¸¦ ¹æ¹®ÇØÁÖ¼¼¿ä.

¡Ø     [ÀúÀÛ±ÇÀÚ©ZeroDebt Canada Inc. (ÁÖ)ij³ª´Ù乫û»êÈñ¸ÁÇ÷¯½º¹«´Üº¹Á¦ ¹× ÀüÀç-Àç¹èÆ÷ ±ÝÁö]     

»ó±âÀÇ º»¹®Àº ÀϹÝÀûÀΠ±³À° ¸ñÀûÀ¸·Î¸¸ Á¦°øµÇ¾úÀ¸¸ç ¹ýÀû Á¶¾ðÀÌ ¾Æ´Õ´Ï´Ù.    

º»ÀÎÀÇ »óȲ¿¡ ¸Â´Â ±¸Ã¼Àû Á¶¾ðÀ» ¹Þ±â À§Çؼ­´Â ¹Ýµå½Ã »çÀü ¼±ÀÓ retainer ¸¦ ÅëÇØ¼­ »ó´ãÀ» ÇϽñ⠹ٶø´Ï´Ù.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

¹ý¹«»ç SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca      

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