Unable to connect to database !
145 <- ¿À·ù¹øÈ£
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 = '810'
Table './lshcomm/happy_member_stats' is marked as crashed and should be repaired
Unable to connect to database !
145 <- ¿À·ù¹øÈ£
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 = '810', reg_year = '2022', reg_month = '06', reg_day = '25', reg_date = '2022-06-25', reg_date_time = '2022-06-25 04:09:23'
Table './lshcomm/happy_member_stats' is marked as crashed and should be repaired
ZeroDebt Canada (ÁÖ)ij³ª´Ù乫û»êÈñ¸ÁÇ÷¯½º | 乫Á¶Á¤ | 乫û»ê | °³ÀÎȸ»ý | °³ÀÎÆÄ»ê | ¹ýÀÎÆÄ»ê | ±¹¼¼Ã» 乫 | ½Å¿ëȸº¹ - Å©·¹µ÷ Áö½Ä/½Å¿ëÀÇ ´ÞÀÎ (´õº¸±â)
¸ÞÀÎȨ Áñ°Üã±âÃß°¡ ·Î±×ÀÎ ·Î±×¾Æ¿ô ¹Ì´ÏȨ ¸Þ´º°ü¸® ¹Ì´ÏȨ ±âº»¼³Á¤ ¹Ì´ÏȨÅë°è
°³ÀÎȸ»ý
°³ÀÎÆÄ»ê
±¹¼¼Ã» ¼¼±Ý乫 CRA Tax Debts
ÄÝ·º¼Ç乫 & ä±ÇÃß½ÉÇØ°á Collection Debts
ÆÄ»ê°ú ÀÌÈ¥ Divorce & Bankruptcy
ZeroDebt ºí·Î±× (´õº¸±â)
Å©·¹µ÷ Áö½Ä/½Å¿ëÀÇ ´ÞÀÎ (´õº¸±â)
¼º°ø»ç·Ê
°í°´¼¾ÅÍ
Å©·¹µ÷ Áö½Ä/½Å¿ëÀÇ ´ÞÀÎ (´õº¸±â) / »ó¼¼º¸±â
 
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°¨
[Å©·¹µ÷ Ä®·³ 3] ij³ª´Ù ½Å¿ëÁ¡¼ö ¾î¶»°Ô °áÁ¤µÇ³ª? FICO Factor 1 & 2
Å©·¹µ÷ Áö½Ä/½Å¿ëÀÇ ´ÞÀÎ (´õº¸±â) > »ó¼¼º¸±â | 2015-01-22 15:29:51
Ãßõ¼ö 253
Á¶È¸¼ö   2,321

±Û¾´ÀÌ

SUNNIE JUNG

Á¦¸ñ

[Å©·¹µ÷ Ä®·³ 3] ij³ª´Ù ½Å¿ëÁ¡¼ö ¾î¶»°Ô °áÁ¤µÇ³ª? FICO Factor 1 & 2
³»¿ë

FICO's 5 factors: The 5 Components of a FICO Credit Score (5´ë FICO Å©·¹µ÷ ½ºÄھƠÆò°¡±âÁØ)


The FICO 5 (ÇÇÄÚ ½Å¿ëÁ¡¼ö 5´ë Æò°¡¿äÀÎ)

 

ij³ª´Ù ¾ç´ë ½Å¿ëÁ¶È¸Æò°¡±â°ü (Credit Bureaus) ÀÎEquifax ¿Í TransUnion ¿¡¼­  ½Å¿ëÆò°¡ÀÇ ÁöÇ¥·Î »ç¿ëÇϴ FICO Æò°¡±âÁØÀº ¹«¾ùÀ̰í FICO Á¡¼ö (½Å¿ëÁ¡¼ö¿¡ ¹Ý¿µµÇ´Â Ç׸ñ°ú ¿äÀÎÀÌ ¹«¾ùÀÎÁö ÀÚ¼¼È÷ »ìÆìº¸°Ú½À´Ï´Ù

 

 


 

 

 


Å©·¹µ÷ Á¡¼ö¿¡ ¿µÇâÀ» ¹ÌÄ¡´Â 5´ë ¿äÀΠ- FICO's 5 Factors

1.    Payment History (ºÎä»óȯ ¹× ¿¬Ã¼±â·Ï35%

 

2.    Use of Available Credit (Debt Amounts; Debt Ratio ½Å¿ëÇѵµ ´ëºñ ºÎäÀ²ºÎä±Ô¸ð 30%

 

3.    Length of Credit History (½Å¿ë°Å·¡ À¯Áö±â°£15%

 

4.    Number of Inquiries (New Credit½Å¿ëÁ¶È¸ È½¼ö10%

 

5.   Types of Credit (Credit MixÅ©·¹µ÷ÀÇ ´Ù¾ç¼º10%

 

 

 


1.        Payment History (ºÎä»óȯ ¹× ¿¬Ã¼±â·Ï) – 35%

 

FICO Score ¿¡ °¡Àå Å« ¿µÇâÀ» ¹ÌÄ¡´Â Æò°¡±âÁØÀ¸·Î


°ú°Å ¶Ç´Â ÇöÀç¿¡ 乫»óȯÀ» ±âÇѳ»¿¡ Àß ³»°í Àִ°¡?”

 

¸¦ ¹Ý¿µÇÏ¿© ÀÌ Payment History (ºÎä»óȯ ±â·ÏÇ׸ñÀÌ FICO Á¡¼ö »êÁ¤½Ã¿¡ ÃÖ°íÀΠ35%ÀÇ ºñÁßÀ» Â÷ÁöÇÕ´Ï´Ù

Á» ´õ ±¸Ã¼ÀûÀ¸·Î »ìÆìº¸¸é ¾Æ·¡¿Í °°Àº ¿ä¼Ò (Factor) µéÀÌ ÆäÀÌ¸ÕÆ® È÷½ºÅ丮¿¡ Æò°¡±âÁØÀ¸·Î¼­ ¿µÇâÀ» ¹ÌĨ´Ï´Ù 

 

·         Å©·¹µ÷ Ä«µå½ºÅ侯 Ä«µåÁÖÀ¯¼Ò ½Å¿ëÄ«µå´ëÃâÀÚµ¿Â÷ (Financing, Leasing), ¸ð±âÁö µîÀÇ ÁöºÒº¯Á¦±â·Ï

·         ¿¬Ã¼±â·ÏÀÇ ¿©ºÎ (Defaulted Payment)

·         60 ÀÏ ÀÌ»óÀÇ ¾Ç¼º¿¬Ã¼ (Serious Delinquencies)

·         ¿¬Ã¼ÀÇ ½É°¢µµ¿¬Ã¼ÀÇ ±â°£¿¬Ã¼°èÁÂÀÇ °¹¼ö; 30ÀÏ/60ÀÏ/90ÀÏ ³»¿¡ ¿¬Ã¼ÇѠȽ¼ö

·         Bankruptcy, Judgment, Liens (À¯Ä¡±ÇÀú´ç), Debt Litigation (乫¼Ò¼Û), Garnishment Order (Â÷¾Ð¾Ð·ù), CRA Tax Liens, CRA Requirement To Pay (Frozen Bank Account – ÀºÇà°èÁ ¾Ð·ùµîÀÇ Public Record

·         Collection Agency Record (ÄÝ·º¼Ç Ãß½Éȸ»ç ±â·Ï)

·         Collection Ã¼³³Ã¤¹« ±Ý¾×ÀÇ ºñÁß

·         Written-off °á¼Õ󸮵Ƞ±â·Ï¿©ºÎ

·         ´ãº¸Ã¤¹«ÀΠÀºÇà ¸ð±âÁö ¿¬Ã¼±â·Ï (ÃÖ¾ÇÀÇ ½Å¿ëÁ¡¼ö ¸¶À̳ʽº ¿äÀÎ)

·         Good Payment HistoryÀÇ °èÁ °¹¼ö (¿ì·® ½Å¿ëÁ¤º¸´Â ¹«´ãº¸ Ã¤¹«¸¸ ±â·ÏµÇ´Â ¹Ý¸é´ãº¸Ã¤¹«ÀΠ¸ð±âÁöÀÚµ¿Â÷ÀÇ Payment History ´Â ¿¬Ã¼³»¿ª Defaulted Payment ¸¸À» ±â·Ï)

 


 

[Å©·¹µ÷ Á¡¼ö ¿Ã¸®±âGolden Rule 1: 


·         ¿¬Ã¼¾øÀÌ ÀÌÀÚ¿Í ¿ø±ÝÀ» Á¦ ³¯Â¥¿¡ °±´Â´Ù (Pay on time)

·         °¡´ÉÇÑ ¿ø±ÝÀ» ¸ðµÎ °±´Â´Ù (Pay in full)

 


Âü°í·Î ¾Æ·¡¿Í °°Àº ±ÝÀ¶»óǰÀÇ Payment History ´Â ¾Æ¹«¸® ¿ù ÀÌÀÚ¿Í ¿ø±ÝÀ» ²¿¹Ú²¿¹Ú »óȯÇÑ ¿ì·®±â·ÏÀ̶ó°í Çصµ ½Å¿ëÆò°¡±â°üÀΠ Equifax & TransUnion ¿¡ º¸°íµÇÁö ¾Ê°í ´ÜNegative Information ÀΠ¿¬Ã¼±â·Ï¸¸ º¸°íµÇ¾î Å©·¹µ÷ ¸®Æ÷Æ®¿¡ ¹Ý¿µµÇ´Â Á¡¿¡ À¯ÀÇÇϼ¼¿ä.


    • Chequing & Savings Accounts
    • Student Loans
    • Prepaid Cards (À̰ÍÀº ´ãº¸½Å¿ëÄ«µå Secured Credit Cards °¡ ¾Æ´Õ´Ï´Ù)


¹Ý¸é »ó¼úÇÑ ´ãº¸/¹«´ãº¸ Ã¤¹«¿Ü¿¡µµ ÀüÈ­ºñ (¼¿ÆùȨÆù), ÀÎÅͳݠ»ç¿ë °ü·Ã ÁöºÒ³»¿ªÀº Positive & Negative ÀÎÆ÷ µÑ´Ù º¸°íµÇ¸ç FICO score ½Å¿ëÁ¡¼ö¿¡ ¹Ý¿µµÇ´Â Ç׸ñÀÔ´Ï´Ù.


 



[±¹¼¼Ã»Àº ¼¼±Ý乫 Ã¼³³ÀÚÀÇ µ¿»ê/ºÎµ¿»ê¿¡ À¯Ä¡±ÇÀºÇà°èÁµ¿°á¾Ð·ù µîÀÇ ±¹¼¼Â¡¼ö¸¦ À§ÇÑ °­Á¦Á¶Ä¡¸¦ ¹ý¿ø½ÂÀξøÀÌ ÇÊ¿äÇϸ頾ðÁ¦µçÁö ÁýÇàÇÒ ¼ö Àִ Super Priority Creditor. Tax Liens Å©·¹µ÷ ¸®Æ÷Æ®¿¡ 6³â°£ ±â·Ï]

 

 



ºÎµ¿»ê¿¡ À¯Ä¡±Ç°¡¾Ð·ù - ½Å¿ëÁ¡¼ö Ãß¶ô

 

 



Frozen Bank Account; CRA Requirement To Pay ÀºÇà°èÁµ¿°á - 6³â Å©·¹µ÷ ¸®Æ÷Æ® ±â·Ï ³²À½ 

 

 

 

2.        Use of Available Credit (Debt Amounts; Debt Ratio ½Å¿ëÀÜ°í ´ëºñ ºÎäºñÀ² & ºÎäÃѾ×) - 30%

 

µÎ¹øÂ°·Î Áß¿äÇÑ ½Å¿ëÆò°¡±âÁØÀ¸·Î FICO score (½Å¿ëÁ¡¼ö»êÃâ¿¡ 30%°¡ ¹Ý¿µµÇ´Â °ÍÀº ¾Æ·¡¿Í °°½À´Ï´Ù.


乫ÀÚ°¡ ÀÚ½ÅÀÇ Ã¤¹«»óȯ ´É·ÂÀÌ»óÀ¸·Î ¾ó¸¶³ª ¸¹Àº ´ëÃâÀ» ¾È°íÀִ°¡?”


»ç¿ëÇÏ°í ³²Àº Å©·¹µ÷ Çѵµ¾×ÀÌ ¾ó¸¶Àΰ¡(Credit Utilization)?”

 

ÀÌÀ¯´Â, Credit Score ¿¡ Á÷Á¢Àû ¿µÇâÀ» Áִ ¿äÀÎÀº Å©·¹µ÷ Çѵµ¾×ÀÌ ¾ó¸¶Àΰ¡°¡ ¾Æ´Ï°í ¾ÕÀ¸·Î ¾ó¸¶¸¦ ´õ ¾µ¼öÀÖ³ª°¡ ½Å¿ëÁ¡¼ö »êÃâ±âÁØÀ̱⠶§¹®ÀÔ´Ï´Ùµû¶ó¼­ ÇϱâÀÇ Ç׸ñµéÀÌ ±¸Ã¼ÀûÀ¸·Î ½Å¿ëÁ¡¼ö¿¡ ¹Ý¿µµË´Ï´Ù  

 

·         ¸ðµç °èÁÂÀǠ乫 ÃѾ×

·         Æ¯Á¤°èÁ¿¡¼­ ¹ß»ýµÇ´Â Ã¤¹« ÃѾ×

·         Owing Balance °¡ Àִ °èÁÂÀÇ °¹¼ö

·         ÀÚµ¿Â÷³ª ¸ð±âÁö À¶ÀÚµîÀÌ Â÷ÁöÇϴ ºñÁß

·         Revolving Account (À¯µ¿°èÁ¿͠Installment Account (°íÁ¤°èÁÂÀÇ ÀüüÀû ¹ß¶õ½º (ºñÀ²)

·         Credit Limit (Å©·¹µ÷ Çѵµ°ú Available Current Credit Balance (³²Àº Å©·¹µ÷ ±Ý¾×ÀÇ ±ÕÇü°ú ºñÁß (ÃÖ¾ÇÀÇ ½Å¿ëÁ¡¼ö ¸¶À̳ʽº ¿äÀÎ)

 

 

ÀÌ»óÀû ºÎäºñÀ²À̶õ?

 

 

½Å¿ëÁ¶È¸ ½ÃÁ¡¿¡¼­ ½Å¿ëÀ¸·Î ¹ÞÀº ½Å¿ëÇѵµÃѾ׽ſëÇѵµÀÇ Àܾנ±Ô¸ðÅ©·¹µ÷ Ä«µå Çѵµ¾×ÀºÇà ´ëÃâ±Ý Àܾ׸ð±âÁö ÀÜ¿©¾× µîÀÌ Å©·¹µ÷ Çѵµ ´ëºñ ºÎä ºñÀ²·Î »êÃâµÇ¾î¼­ ½Å¿ëÆò°¡Á¡¼ö¿¡ ¹Ý¿µµË´Ï´Ù¿¹·ÎÅ©·¹µ÷ ¸®¹ÌÆ®°¡ $10,000 Àε¥ ±×Áß »ç¿ëÇÑ ¾×¼ö°¡ $3,000 À̸頠30%ÀǠ乫 ºñÁßÀ» Áö°ÔµË´Ï´Ù.

 

ÀÌ ºÎäºñÀ² (%) ÀÌ ¾ó¸¶°¡ À¯ÁöµÇ¾î¾ß °¡Àå ±àÁ¤ÀûÀ¸·Î ½Å¿ëÁ¡¼ö¿¡ ¹Ý¿µµÇ´Â°¡´Â ÀºÇà°ú ±â°üº°·Î »óÀÌÇϳª º¸ÆíÀû Rule of Thumb Àº ¾Æ·¡¿Í °°½À´Ï´Ù 

 

 


 ¸ð ÀºÇàÀÇ ½Å¿ëÄ«µå ´ã´çÀڴ ½Å¿ëÇѵµÀÇ 30~50 %¸¦ Áö¼ÓÀûÀ¸·Î »ç¿ëÇÒ ¶§¿¡ °¡Àå ÁÁÀº ½Å¿ë Á¡¼ö¸¦ ¹ÞÀ» ¼ö ÀÖ´Ù;

 


 Equifax says “Try not to run your balances up to your credit limit. Keeping your account balances below 75 % of your available credit may also help your score.”

 


 TransUnion says “Balances above 50 % of your credit limits will harm your credit. Aim for balances under 30 %.”

 


 FICO says “People with the Best Scores tend to average about 7 % credit utilization ratio, but that 10 to 20 % usage is OK.”

 

 

Lender ÀÇ ÀÔÀå¿¡¼­ º¼¶§ Å©·¹µ÷ Çѵµ¾× ´ëºñ ºÎäÀ²ÀÌ Å« Ã¤¹«Àڴ ³²Àº Å©·¹µ÷ÀÌ º°·Î ¾øÀ¸¹Ç·Î ‘À§ÇèÇѠ乫ÀÚ ·Î°£ÁÖÇϸ缳·É ÁöºÒ±â°£³»¿¡ ¸ðµç Ã¤¹«¸¦ ÇѲ¨¹ø¿¡ °±¾Ò´Ù°í Çصµ ‘Greater Risk’ ·Î Ãë±ÞÇϰԵ˴ϴÙÁ︹ÀÌ ¾²°í ÀϽÿ¡ °±´Â Ã¤¹«ÀÚº¸´Ù ÀÛÀº ±Ý¾×À» ÀߠȸÀüÇØ¼­ ¾²°í 100% °±±â¸¦ ¿À·£ ±â°£µ¿¾È Çؿ ä¹«ÀÚ¿¡°Ô ½Å¿ëÁ¡¼ö¸¦ ´õ ³ôÀÌ ÁÖ°Ô µË´Ï´Ù (R1).

 

ÇÏÁö¸¸¾ÆÀÌ·¯´ÏÇϰԵµ ½Å¿ëÀÌ º°·Î ÇÊ¿ä¾ø´Â »ç¶÷¿¡°Ô´Â ½Å¿ëÀ» Å©°Ô ÁÖ°í ½Å¿ëÀÌ Àý½ÇÈ÷ ÇÊ¿äÇØ¼­ Çѵµ¾×±îÁö Ã¤¿ö¾²°Å³ª Å©·¹µ÷ ¸®¹ÌÆ®¸¦ ¿Ã·Á´Þ¶ó°í ¿äûÇϴ »ç¶÷¿¡°Ô´Â ¿ÀÈ÷·Á °æ°è À§Çè¼öÀ§¸¦ ³ôÀ̴ Paradox °¡ ÀÛ¿ëµÇ´Â °Í°°½À´Ï´Ù.



[°úµµÇÑ Ä«µåºúÀ¸·Î ÀÎÇѠ乫°íÅëÀ¸·Î È¥ÀÚ °í¹ÎÇÏÁö ¸¶½Ã°í °³ÀÎȸ»ýÀ¸·Î ºúû»ê ¹Þ°í »õ·Ó°Ô ½Å¿ëȸ»ý Çϼ¼¿ä]

 



[Å©·¹µ÷ Á¡¼ö ¿Ã¸®±âGolden Rule 2: 

 

Á¾ÇÕÇϸé Revolving °èÁÂÀΠ¹«´ãº¸ Å©·¹µ÷ Ä«µåÀÇ Rule of Thumb Àº:

 

·         ½Å¿ëÇѵµ¾× (Credit Limit) À» 35% ¹Ì¸¸À¸·Î À¯Áö; °¡´ÉÇÑ Å©·¹µ÷ (Available Credit) ÀÇ % ¸¦ ±Ø´ëÈ­.

·         ÀüÇô »ç¿ëÇÏÁö ¾ÊÀ¸¸é No Credit À¸·Î ½Å¿ëÁ¡¼ö¿¡ ¾Æ¹«·± µµ¿òÀÌ µÇÁö¾ÊÀ¸´Ï Á¶±Ý¾¿ Á¤±âÀûÀ¸·Î »ç¿ë.

·         ½Å¿ëÇѵµ¸¦ over ¶Ç´Â max-out Çϴ °ÍÀº ¿¬Ã¼¸¸Å­À̳ª ½Å¿ëÁ¡¼ö¿¡ Ä¡¸íÀûÀÌ´Ï Àý´ë ±Ý¹°.

·         Å©·¹µ÷ Ä«µå´Â Çѵµ¾×ÀÇ 50 % ÀÌ»óÀ» ³ÑÁö ¸»°Í. (70% ÀÌ»ó½Ã Red Flag!)

·         Àå±â°£ ¸Å¿ù ²ÙÁØÈ÷ Á¶±Ý¾¿ Áö¼ÓÀûÀ¸·Î »ç¿ëÇϴ °ÍÀÌ °¡Àå ÁÁÀº FICO Á¡¼ö¸¦ ¹Þ´Â ¹æ¹ý.

 

 

Å©·¹µ÷ Ä«µåºú, ±¹¼¼Ã» ¼¼±Ý乫, ÄÝ·º¼Ç Ãß½É乫 µî ºÎäû»ê乫Á¶Á¤°ú °ü·Ã °³ÀÎȸ»ý ¹× ÆÄ»ê¸éÃ¥ÀÇ ¹æ¹ýÀýÂ÷ÀÚ°Ý¿ä°Ç¼­·ù½É»çºñ¿ëÀå´ÜÁ¡ µî »ó¼¼»çÇ×À» ¾Ë°í½ÍÀ¸½Ã¸é,  Áö±Ý ¹Ù·Î ÀúÈñ ZERODebt  CANADA Inc  (ÁÖ)ij³ª´Ù乫û»êÈñ¸ÁÇ÷¯½º ¿¡¼­ Ã¤¹«Á¶Á¤½ºÆä¼³¸®½ºÆ®·Î ÀÏÇϰíÀִ ¹ý¹«»ç ½á´Ï Á¤¿¡°Ô ¹®ÀÇÇØÁÖ¼¼¿äöÀúÇÑ ºñ°ø°³ ¹«·á乫»ó´ãÀ» ÅëÇØ¼­ ½Å¿ëÄ«µå ºÎäû»êÀÇ ¿É¼ÇµéÀ» ¼³¸íÇØµå¸®°í °¡À堾˸´ ¼Ö·ç¼ÇÀ» Ã£¾Æ¼­ Ã¤¹«ÀÚÀÇ ´ëº¯ÀÎÀ¸·Î¼­ Ã¤¹«ÀÚÀÇ ±ÇÀÍÀ» ÃÖ´ëÇÑ ¿ËÈ£ÇØ µå¸®°Ú½À´Ï´Ù¶ÇÇÑdzºÎÇÑ ½Ç¹«°æÇè°ú Å¹¿ùÇÑ ¹ýÀû ³ëÇϿ츦 ¹ÙÅÁÀ¸·Î ¿À·ÎÁö Ã¤¹«ÀÚÁöÇâÀû ÃÖ´ë Ã¥ÀÓ ¸¸Á·¼­ºñ½º¸¦ Á¦°øÇص帮±â À§ÇØ ¾ðÁ¦³ª ÃÖ¼±À» ´ÙÇϰíÀÖ½À´Ï´Ù¹«·áÀڰݽɻ砹נ¹«·áÀ繫Æò°¡¼­¸¦ º¸³»µå¸®´Ï Áö±Ý ¹Ù·Î ÀüÈ­Çϼ¼¿ä¹«·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 ¿Í www.4debtors.ca ¸¦ 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      

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | info@zero-debtcanada.com | www.zero-debtcanada.com | www.4debtors.ca      

 

 

Ãßõ½ºÅ©·¦¼Ò½ºº¸±â ¸ñ·Ï
´ñ±Û¾²±â
ÆÐ½º¿öµå ÆÐ½º¿öµå¸¦ ÀÔ·ÂÇϼ¼¿ä.(´ñ±Û »èÁ¦½Ã »ç¿ëµË´Ï´Ù.)
µµ¹è¹æÁöŰ  11351020   º¸ÀÌ´Â µµ¹è¹æÁö۸¦ ÀÔ·ÂÇϼ¼¿ä.
´ñ±Û¾ÆÀÌÄܼ±Åà [´ñ±Û ÀÛ¼º½Ã ´ñ±ÛÄÜÀ» Ŭ¸¯ÇÏ½Ã¸é ³»¿ë¿¡ Ãß°¡µË´Ï´Ù.]
¼¾½º! ³È³È³È Èþ~ ´©±¸? ... ÁÁ¾Æ ¾Öµµ ÁÖ½Ä ´ëÇѹα¹ ¸±·¢½º °¥·¡¸»·¡ ´õ¿ö Ãß¿ö¿ä ÈÊ »þ¹æ ÇØÇÇ È­³² Èǽ >_< ±ôºý ¼ÒÁÖ ¹Ý´ë Âù¼º ¿Ï¼Ò ÈæÈæ Çæ ^^ ye~ ±Â º¹¹ÞÀ¸¼¼¿ä ¹Ì½ºÅÍ ¹Ì¼¼½º ¹Ì½º Çä! ÈÄ´ú´ú ´ú´ú´ú ”î ļļļ ¾ÆÀÚ ¹¹ÁÒ? »ç¶û ÇÊ¿ä¾ø´Ù Áö±¸¸¦¶°¶ó Çʽ ļļļ Áö¸§½Å °í¸¿½À´Ï´Ù ¿ÏÀüÁ¶¾Æ ÀÚ±â¾ß ºüÆÃ ´ÏµéÀÌ¾Ë¾î ¹ÇÈî ¹¹¶óÄ«³ë Ãß¿ö ÇÏÀÌ ¤» »ç¶ûÇØ È­ÀÌÆÃ ¾ÆÀÚ¾ÆÀÚ ½ßÅ¥ Èû³» ¿­Æø ¿À´Ã ÇÏÇÏÇÏ ÇÏ¾Ó Å·¿Õ¯ ¹¹´Ï µèº¸Àâ ok so hot ½Å»óǰ
ÀÌÀü°Ô½Ã±Û [Å©·¹µ÷ Ä®·³ 2] ÁÁÀº Å©·¹µ÷ ±×¸®°í dz¿ä·Î¿î 2015³â - Å©·¹µ÷ ´ÞÀεǼ¼¿ä! 2015-01-20 05:25:11
´ÙÀ½°Ô½Ã±Û [Å©·¹µ÷ Ä®·³ 4] ½Å¿ëÁ¡¼ö °áÁ¤¿äÀÎ? FICO Factor 3 & 4 2015-01-23 16:28:52
 
Ä«ÇǶóÀÌÅÍ