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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 = '829'
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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 = '829', reg_year = '2022', reg_month = '06', reg_day = '25', reg_date = '2022-06-25', reg_date_time = '2022-06-25 03:25:00'
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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 - ÄÝ·º¼Ç乫 & ä±ÇÃß½ÉÇØ°á Collection Debts
¸ÞÀÎȨ Áñ°Üã±âÃß°¡ ·Î±×ÀÎ ·Î±×¾Æ¿ô ¹Ì´ÏȨ ¸Þ´º°ü¸® ¹Ì´ÏȨ ±âº»¼³Á¤ ¹Ì´ÏȨÅë°è
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ÆÄ»ê°ú ÀÌÈ¥ Divorce & Bankruptcy
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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°¨
[ÄÝ·º¼Ç 乫] Å©·¹µ÷ Ä«µåºú ¸ø³»¸é ¾î¶»ÄÉ?
ÄÝ·º¼Ç乫 & ä±ÇÃß½ÉÇØ°á Collection Debts > »ó¼¼º¸±â | 2015-02-06 21:04:27
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[ÄÝ·º¼Ç 乫] Å©·¹µ÷ Ä«µåºú ¸ø³»¸é ¾î¶»ÄÉ?
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Å©·¹µ÷ Ä«µåºú ¾È°±À¸¸é ¼Ò¼Û ´çÇÒ ¼ö ÀÖ³ª¿äCan Creditors Sue Me If You Don’t Pay? 


´õºíŬ¸¯À» ÇϽøé À̹ÌÁö¸¦ ¼öÁ¤ÇÒ ¼ö ÀÖ½À´Ï´Ù

 

Ä«µåºúÀ» ¾È°±°í ¹æÄ¡Çϸ頼Ҽ۴çÇÒ ¼ö ÀÖ½À´Ï´Ù. ±×·¯³ª ¹Ý´ë·Î ¿îÁÁ°Ô ¾È´çÇÒ ¼öµµ ÀÖ°ÚÁö¿ä.

乫ÀÚÀǠ乫ÃѾװú Á÷¾÷ÀçÁ¤¼öÀÔÀç»ê»óÅÂÀÇ ÆÄ¾Ç Á¤µµ¿¡ µû¶ó ±×¸®°í °¢ ÀºÇà ¹× Ä«µå»çÀÇ ÀÚü ÆÇ´Ü ¹× Collection ÀýÂ÷¿¡ µû¶ó »óÀÌÇÏÁö¸¸ ÀÏÂ÷ÀûÀ¸·Î ÀºÇà/Ä«µå»ç°¡ Á÷Á¢ Ã¤¹«¼Ò¼ÛÀ» °É¾î¼­ È®Á¤ÆÇ (Default Judgment, Judgment Creditor) À» ¹Þ±âµµ Çϰí, ¾Æ´Ï¸é ÄÝ·º¼Ç ¿¡ÀÌÀü½Ã¿¡ ±×³É Ã¤±ÇÃ߽ɠ¹× ¼ö·É ´ëÇà ¾÷¹«¸¦ ¸Ã±â±âµµ Çϸç È¤Àº¾Æ¿¹ 6°³¿ù Á¤µµ ¿­½ÉÈ÷ Ãß½ÉÇÏ´Ù°¡ °á±¹ Æ÷±âÇÏ°í ºÒ·®Ã¤±Ç (Bad Debts) À¸·Î °£ÁÖÇÏ¿© ¼Õ½Ç·Î Àâ°í Write-off ÇÏ¿© ´ë¼Õ»ó°¢ Ã³¸®¸¦ ÇÒ ¼ö µµ ÀÖ½À´Ï´Ù.  

ÀÌ·¸°Ô 1Â÷ÀûÀ¸·Î ÀºÇ࠶Ǵ īµå»ç·Î ºÎÅÍ Charge-off µÈ ¾Ç¼ºÃ¤¹«´Â Ã¤±ÇÃ߽ɠÀü¹®º¯È£»ç³ª ÄÝ·º¼Ç ¿¡ÀÌÁ¯½Ã¿¡ ÀÌ¿ùµÇ¾î ´õ °­µµ³ôÀº Ãß½ÉÇàÀ§°¡ ´Ù½Ã ÁøÇàµË´Ï´Ù.

ÄÝ·º¼Ç ¿¡ÀÌÀü½Ã´Â ÀÌó·³ ³³ºÎ±âÇÑÀÌ ÈξÀ Áö³ª Ã¼³³µÈ ¾Ç¼ººÎä (Delingquent Debts) ¸¦ Ãß½ÉÇÏ¿© ÀÚ±Ýȸ¼ö¸¦ ¸ñÀûÀ¸·Î Çϴ »ç¼³ 乫Àü¹®Ã߽ɾ÷üµé·Î »ó¼úµÈ °Í°ú °°ÀÌ ´ë°³ 6°³¿ùÀ̻󠿬ü½Ã ¶Ç´Â ºü¸£¸é ¿¬Ã¼ÈÄ 3°³¿ùÂë¿¡ ³Ñ¾î¿Â ºÒ·®Ã¤±Çµé¿¡ ´ëÇÑ °­º»°ÝÀû Ãß½ÉÇàÀ§¸¦ ü°èÀûÀ̰í Á¶Á÷ÀûÀ¸·Î ÃßÁøÇÏ°Ô µË´Ï´Ù.

ÆÄ»êº¸´Ù ÄÝ·º¼Ç & Written-Off Ã¤¹«°¡ ´õ ³ª»Ú´Ù!! 


ÀÌó·³ Ä«µå»çµéÀ̠ȸ°è»óÀ¸·Î ´ë¼Õ󸮠(Write-off, Charge-off) ¸¦ ÇÏ¿© ÆÈ¾Æ ³Ñ±ä ÄÝ·º¼Ç Ã¤¹«¸¦ °±Áö ¾ÊÀ¸¸é ¾î¶»°Ô µÉ±î¿ä?

¹°·ÐÅ©·¹µ÷ Á¡¼ö°¡ ¹Ù·Î R9 (Revolving 9, À¯µ¿°èÁÂÀÎ ½Å¿ëÄ«µåµîÀÇ ¹«´ãº¸Ã¤¹« Account) À¸·Î ¶³¾îÁý´Ï´Ù. R9 Àº ÃÖÇÏÀÇ ½Å¿ëÆò°¡µî±ÞÀ¸·Î Çѱ¹¿¡¼­´Â ½Å¿ëºÒ·®ÀÚ ¶Ç´Â Ã¤¹«º¯Á¦ºÒ´ÉÀÚ ¶ó°í ºÒ¸®¸ç Ä³³ª´ÙÀÇ Credit Report ¿¡´Â Bad (Poor) Credit »óÅ·Π±â·ÏµÇ¾îÁ® Bankruptcy (ÆÄ»ê¿Í µ¿±ÞÀÌ µË´Ï´Ù.

R9À¸·Î ½Å¿ëµî±Þ (Credit Rating) ÀÌ ¶³¾îÁö´Â °æ¿ì·Î´Â 1. Written off as a “bad debt” (´ë¼Õ󸮵Ƞ¾Ç¼ºÃ¤¹«±â·Ï), 2. Sent to collection agency (Ãß½Éȸ»ç·Î ³Ñ¾î°¬°Å³ª ÆÈ¸° ºÒ·®Ã¤¹«±â·Ï), 3. Bankruptcy (ÆÄ»ê±â·Ïµî 3°¡Áö °æ¿ì°¡ ÀÖ½À´Ï´Ù.

Å©·¹µ÷ ¸®Æ÷Æ®¿¡ Collection °ú Write-off ±â·ÏÀÌ ¿ÀÈ÷·Á Bankruptcy ±â·Ïº¸´Ù »óȲÀ» ´õ ¾ÇÈ­½Ã۰í Ã¤¹«ÀÚ¿¡°Ô ´õ Å« ½Å¿ë µ¥¹ÌÁö¸¦ ÁÙ ¼ö Àִµ¥ À̰ÍÀº ´ÙÀ½ÀÇ 3°¡Áö ÀÌÀ¯¿¡¼­ÀÔ´Ï´Ù.

ù¹øÂ°´Â ÆÄ»êÀ» ÇϰԠµÇ¸é ¹ýÀÇ º¸È£¸¦ Áï½Ã ¹Þ°Ô µÇ¾î¼­ Ã¤±ÇÃß½É乫¼Ò¼ÛÀç»ê¾Ð·ù±Þ¿©Â÷¾Ð µîÀÌ ¹Ù·Î ¹ý¿¡ ÀÇÇØ ±ÝÁö/ÁßÁö¸í·É (Stay of Proceedings) ÀÌ ³»·ÁÁö°Ô µÇ´Ï Å©·¹µ÷Àº ³ªºüÁ³Áö¸¸ ¾ÕÀ¸·ÎÀÇ »óȲÀº ´õÀÌ»ó ¾ÇÈ­µÇÁö ¾Ê°í ¿ÀÈ÷·Á ¸¶À½ÀÇ ÆòÈ­¸¦ Ã£À» ¼ö ÀְԵ˴ϴÙ.

µÎ¹øÂ° ÀÌÀ¯´ÂÆÄ»êÀº Ã¤¹«Ã»»êÀ» À§ÇÑ ÇØ°áÃ¥ÀΠ°Í¿¡ ¹ÝÇØ Ã߽ɰú ¾Ç¼ºÃ¤¹«±â·ÏÀº Ã¤¹«ÇذáÀÇ ³ë·ÂÀº Ä¿³ç ¹æÄ¡ÇÑ ¹«Ã¥ÀÓÇÑ °æ¿ìÀ̱⠶§¹®¿¡ Ã¤±ÇÀÚ ÀÔÀå¿¡¼­ °°Àº R9 À̶󵵠ũ·¹µ÷ °üÁ¡¿¡¼­ ´õ ³ª»Ú°Ô Ãë±ÞÇϰԠµË´Ï´Ù.

¼¼¹øÂ° °¡Àå Áß¿äÇÑ ÀÌÀ¯´Â乫ÀÚ ÀÔÀå¿¡¼­ ÆÄ»êº¸´Ù ÄÝ·º¼Ç°ú ¾Ç¼ºÃ¤¹«°¡ ´õ ºÒ¸®ÇÑ Á¡À¸·Î Ãß½Éȸ»ç´Â ¸ðµç ÀçÃß½ÉÇàÀ§°¡ °¡´ÉÇϰԠµÇ¾î°á±¹ ¹ý¿øÀÇ È®Á¤ÆÇ°á (Default Judgment, Judgment Creditor) À» ¹Þ¾Æ¼­ ºÎ/µ¿»ê¿¡ ´ëÇÑ À¯Ä¡±ÇÀç»ê¾Ð·ù¿ù±ÞÂ÷¾ÐÀºÇà°èÁ¾зù µîÀÇ °­Á¦ÁýÇà (Writs, Enforcement) µÇ¾úÀ»¶§½ÇÁ¦ÀûÀ¸·Î ÀÒ°Ô µÇ´Â ½É°¢ÇÑ ±ÝÀüÀû ¼ÕÇØ´Â ¹°·Ð, ¹«¾ùº¸´Ùµµ °¡Á·Àüü°¡ Ã¤¹«¼Ò¼Û ÁøÇà°úÁ¤°ú È®Á¤ÆÇ°á ¹× °­Á¦ÁýÇàÀ¸·Î ÀÎÇØ Çü¾ðÇÒ ¼ö ¾ø´Â Á¤½ÅÀû °íÅë°ú ½ºÆ®·¹½º¸¦ ¹Þ¾Æ¼­ Á¤»óÀûÀΠ»ýȰÀÌ ºÒ°¡´ÉÇϰԠµÇ¾î¹ö¸®´Â °æ¿ì°¡ ºñÀϺñÀçÇϱ⠶§¹®ÀÔ´Ï´Ù. 



ä±ÇÃß½ÉÀ̶õBill Collections 

 


 
 [ºúµ¶ÃË ÀüÈ­¿¡ ½Ã´Þ¸®Áö ¸¶½Ã°í °³ÀÎȸ»ýÇϼ¼¿ä!]

ä±ÇÀÇ “Ãß½ÉÀ̶õ ÀºÇàÄ«µå»ç°¡ Á÷Á¢ Çϰųª ¶Ç´Â Ã߽ɴëÇà¾÷ü (Collection Agency) °¡ Ã¤±ÇÀÚÀÇ À§ÀÓÀ» ¹Þ¾Æ¼­ ½Å¿ëºÒ·®ÀÚ°¡ µÈ Ã¤¹«ÀÚÀÇ ¼ÒÀçÆÄ¾Ç (Skip Tracing), Àç»êÁ¶»çä±ÇÀÇ º¯Á¦Ã˱¸Ã¤±Ç º¯Á¦±Ý ¼ö·É´ëÇà µî Ã¤±ÇÀÇ ¸¸Á·À» ¾ò±â À§ÇÑ ÀÏüÀÇ Àû¹ýÇÑ Ãß½ÉÇàÀ§¸¦ ¸»ÇÕ´Ï´Ù.

ä±ÇÃß½ÉÀº Ã¤±ÇÀÚÀÇ Á¤´çÇÑ ¹ýÀû ±Ç¸®ÀÇ Çà»ç·Î¼­ Ã¤±ÇÀÚÀÇ Àç»ê±ÇÀ» º¸ÀåÇϱâ À§ÇØ º¸È£µÇ¾îÁý´Ï´ÙÇÏÁö¸¸Á¾Á¾ Ã¤±ÇÃß½ÉÀÚ°¡ ±Ç¸®¸¦ ³²¿ëÇϰųª ºÒ¹ýÀûÀΠ¹æ¹ýÀ¸·Î Ãß½ÉÀ» Çϴ °æ¿ìµµ ÀÖÀ¸´Ï ÁÖÀǰ¡ ¿ä¸ÁµË´Ï´Ùij³ª´ÙÀÇ ºÒ¹ýä±Ç Ãß½ÉÇàÀ§¿¡ °üÇÑ ±ÛÀº ´ÙÀ½ Ä®·³¿¡¼­ »ó¼¼È÷ ¼³¸íÇØµå¸®°Ú½À´Ï´Ù.

Ä«µåºú»ó»çä±Ç¹°Ç°´ë±Ý°ø»ç´ë±Ý¿ë¿ª´ë±Ý¿Ü»ó¹Ì¼ö±Ýâ°íÀÓ´ë·á¿î¼ÛºñÀüÈ­ºñµî °³ÀÎ ¹× »ó°Å·¡Çϸ鼭 ¹ß»ýµÇ´Â ¸ðµç Ã¤±ÇµéÀ» Æ÷ÇÔÇÕ´Ï´Ù.

 

ÇÕ¹ýÀû ä±ÇÃß½ÉÀº ´©°¡ ÇÒ ¼ö ÀÖ³ªWho can do Debt Collection?


ij³ª´Ù¿¡¼­
 ÇÕ¹ýÀûÀ¸·Î Ã¤±ÇÃß½ÉÀ» ÇÒ ¼ö Àִ °³ÀΠ¶Ç´Â ´Üü·Î´Â Debt Buyer, º¯È£»ç¹ý¹«»çÄÝ·º¼Ç ¿¡ÀÌÁ¯½Ã (Ã߽ɾ÷ü ¶Ç´Â Ã߽ɴëÇà¾÷üµî¸¸ÀÌ ÇÒ ¼ö ÀÖ½À´Ï´ÙÁ»´õ ÀÚ¼¼È÷ »ìÆìº¸¸é,

·     First Party Lender: µ·À» ºô·ÁÁØ °³ÀÎÀºÇàÄ«µå»ç µî°ú °°Àº Original Creditor

·     Debt Buyer:             Ã߽ɴëÇà¾÷üÀΠCollection Agency¿Í´Â ´Þ¸® Debt Buyer ´Â ¿À¸®Áö³¯ Ã¤±ÇÀڷΠºÎÅÍ ºÒ·®Ã¤±ÇÀ» ´ë·®À¸·Î ¾ÆÁÖ ½Î°Ô »çµé¿©¼­ ¸ðµç Ã¤±ÇÃ߽ɰú º¯Á¦±Ý ¼ö·É °ü·Ã °áÁ¤±ÇÀ» °¡Áø È¸»çÀÔ´Ï´Ù¿¹·Î, Private Debt Collection Law Firm (ä±Ç¼ö·ÉÀü¹®º¯È£»ç¶Ç´Â Collection Agency °¡ ÀÖ°Ú½À´Ï´Ù.  

·     Lawyer & Licensed Paralegal:     º¯È£»ç ¹× ¹ý¹«»ç

·     Licensed Collection Agency:        ´ëºÎºÐÀÇ Ãß½Éȸ»ç´Â º» Ã¤±ÇÀÚÀÇ µ·À» ´ë½Å ¹Þ¾Æ Áִ ä±Ç¼ö·É ´ëÇà¾÷À» ÇÏÁö¸¸¶§·Î´Â Á÷Á¢ ¾Ç¼ºÃ¤±Ç (Bad Debts) µéÀ» bulk·Î »çµé¿©¼­ ¼ÒÀ¯±ÇÀ» °¡Áö°í Ã¤±ÇÃ߽ɰú ¼ö±ÝÀ» Çϱ⵵ ÇÕ´Ï´Ù.

·    ¸ðµç Bill Collector ±×¸®°í Collection Agency µéÀº ¹Ýµå½Ã °¢ ÁÖÁ¤ºÎ¿¡ »ç¾÷µî·ÏÁõÀ» °®°í ¶óÀ̼¾½º¸¦ ¹Þ¾Æ¾ß¸¸ÇÕ´Ï´ÙÈçÈ÷ ÄÝ·º¼Ç ¿¡ÀÌÀü½Ã³¢¸®µµ °íÁúÀû ¾Ç¼ºÃ¤±ÇÀ» Çæ°ª¿¡ »ç°í ÆÈ±âµµ ÇÕ´Ï´ÙÁ¾Á¾ ¼Õ´ÔµéÁß¿¡ ÇϳªÀǠ乫¿¡ ´ëÇØ 3-4°³ ´Ù¸¥ ÄÝ·º¼Çȸ»ç·Î ºÎÅÍ ÆíÁö¸¦ ¹Þ¾Ò´Ù°í °¡Á®¿À½Ã´Â ºÐµéµµ °è½Ã´Âµ¥ À̰ÍÀº Ã¤¹«°¡ Àå±â°£ ¹æÄ¡µÇ¾úÀ»¶§ ÀϾ´Â Çö»óÀÔ´Ï´Ù. 

 

Write-off µÈ 乫´Â °±Áö¾Ê¾Æµµ µÈ´Ù´Ü¾ðÄÁ´ë ¿ÀÇØ¿Í ³¶¼³ÀÔ´Ï´Ù. 


 [Â÷Áö¿ÀÇÁµÈ 乫´Â °áÄÚ ¾ø¾îÁø°ÍÀÌ ¾Æ´Õ´Ï´Ù]

ÀϹÝÀûÀ¸·Î Ã¤¹«¿¬Ã¼ÈÄ 6°³¿ùÀÌ °æ°úµÇ¸é Ä«µå»ç´Â Ã¤¹«¸¦ ¹ÞÀ» ¼ö ¾ø´Ù°í ÆÇ´ÜÇϰí È¸°è»óÀ¸·Î ±× Ã¤¹«¸¦ ´ë¼Õ»ó°¢ (Write-off, Charge-off) Ã³¸®ÇÑÈÄ ÄÝ·º¼Ç ¿¡ÀÌÁ¯½Ã¿¡ ½Î°Ô ´ýÇÎÀ¸·Î ÆÈ¾Æ¼­ ³Ñ°Ü¹ö¸³´Ï´ÙÀÌ·¸°Ô Ä«µå»ç°¡ ºÒ·®Ã¤±ÇÀ» Æ÷±âÇϰí Â÷Áö¿ÀÇÁÇϴ ÀÌÀ¯´Â °á¼Õ󸮠(Loss) ÇÏ¿© ±¹¼¼Ã»¿¡ ¼¼±Ý°øÁ¦ (Write-off) ÇýÅÃÀ» ¹Þ±â À§Çؼ­ÀÔ´Ï´Ù.

°±Áö ¾ÊÀº Ã¤¹«´Â °áÄÚ ÀúÀý·Î ¾ø¾îÁöÁö ¾Ê½À´Ï´Ù´Üä±ÇÀÚ°¡ ¹Þ±â¸¦ ÀáÁ¤ÀûÀ¸·Î Æ÷±âÇß´ÙµçÁö ¾Æ´Ï¸é ´Ù¸¥ Bill Collector ¿¡°Ô Ã¤±Ç¼ö·ÉÀÇ ±Ç¸®¸¦ ÆÈ¾Æ ³Ñ±ä °ÍÀÔ´Ï´Ù.

Statue of Limitations (°ø¼Ò½ÃÈ¿¹ý)Àº °¢ÁÖº°·Î »óÀÌÇϸ砰ø¼Ò½ÃÈ¿°¡ Áö³­ Ã¤¹«´Â ¿ÏÀüÈ÷ »ç¶óÁ³°Å³ª È¤Àº º¯Á¦ÇÏÁö ¾Ê¾Æµµ µÇ´Â Ã¤¹«°¡ ¾Æ´Ï¶ó Ã¤±ÇÀÚ°¡ Ã¤¹«¼Ò¼ÛÀ» Á¦±âÇÒ ¼ö Àִ ±â°£ÀÌ °æ°úµÈ °ÍÀ» ¸»ÇÕ´Ï´Ù.

Write-off µÈ Ã¤¹«´Â Å©·¹µ÷ ¸®Æ÷Æ®¿¡ ÆÄ»êÇÏ°í ¶È°°Àº ÃÖÀú R9 À¸·Î ±â·ÏµÇ°í Last Activity ·Î ºÎÅÍ ´Ù½Ã 6³â°£ ±â·ÏÀÌ °»½ÅµÉ ¼ö ÀÖ½À´Ï´Ùµû¶ó¼­ Ã¤¹«¸¦ Á¤¸®ÇÏÁö ¾Ê°í ¹«ÀÛÁ¤ ¹æÄ¡Çϴ ¹æ¹ýÀº °áÄÚ Çö¸íÇÑ ºÎä ´ë¾ÈÃ¥ÀÌ µÉ ¼ö ¾ø°Ú½À´Ï´Ù


Ä«µåºú ¿¬Ã¼·Î ¼Ò¼ÛÀ» ´çÇϸé? Don’t ignore the claim. 


Àý´ë·Î ¹«½ÃÇÏÁö ¸¶¼¼¿ä.

ä±ÇÀڴ ü³³µÈ Ã¤¹«¸¦ È¸¼öÇϱâ À§Çؠ乫ÀÚ¸¦ ¼Ò¼ÛÇÒ ¼ö ÀÖ½À´Ï´Ù乫¼Ò¼ÛÀº ÀÏÁ¾ÀÇ Á¤´çÇѠä±ÇÃß½ÉÇàÀ§·Î Ã¤±ÇÀÚÀÇ ¹ýÀû±Ç¸®À̸砼ҼÛÀÇ ¸ñÀûÀº ¹ýÀÇ µµ¿òÀ¸·Î ½Â¼ÒÇÏ¿© Ã¤¹«ÀÚ°¡ µ·À» °±°Ô ¸¸µå´Â °ÍÀÔ´Ï´Ùµû¶ó¼­ °É¸° ¼Ò¼ÛÀ» ¹«½ÃÇÏ¸é ÆÐ¼ÒÇϰԠµÇ¾î¼­ Default Judgment È®Á¤ÆÇ°áÀÌ ³»·ÁÁö°Ô µË´Ï´Ùä±ÇÀڴ Judgment Recovery ¸¦ À§Çؼ­ ´ÙÀ½°ú °°Àº ¹ýÀû Á¶Ä¡·Î  Enforcement, Writ °­Á¦ÁýÇàÀ» ÇÒ ¼ö ÀÖ½À´Ï´Ù

1.   Property Lien (Recording a Lien on property) ºÎµ¿»ê Àú´ç ¹× À¯Ä¡±Ç ¼³Á¤ 

¸¸¾à Ã¤¹«ÀÚ°¡ ºÎµ¿»êÀ» ¼ÒÀ¯Çϰí Àִٸ頰ű⿡ Lien (À¯Ä¡±ÇÀ» °É¼ö ÀÖÀ¸¸ç, Lien °É¸° Àç»êÀ» ¸Å°¢ÇÒ °æ¿ì ÄÝ·º¼Ç ¿¡ÀÌÁ¯½Ã´Â Ã¤¹«ÀÚ¿¡°Ô¼­ Ã¤¹«¿ø±Ý±×¿¡ ´ëÇÑ ÀÌÀÚ¼Ò¼Û¿¡ µç ¹ý¿øºñº¯È£»çºñ µîÀ» ¸ðµÎ Ã»±¸Çؼ­ ¹ÞÀ» ¼ö ÀÖ°Ô µË´Ï´Ù¿©±â¿¡´Â Pre-default judgment °ú Post-default judgment ÀÇ ÀÌÀÚ¸¦ daily·Î °è»êÇØ¼­ 100% Æ÷ÇÔÇϰԠµË´Ï´Ù.  

¶ÇÇÑ Lien Àº ¸ð±âÁö¸¦ Renew ÇÒ¶§ »ó´çÇÑ ºÒÀÌÀÍÀ» ÁÖ°Ô µÇ´Âµ¥ ¸ÕÀú ¸ð±âÁö ÀºÇàÀº Ã¼³³µÈ ºÎä°¡ ¸ðµÎ Ã»»êµÉ¶§ ±îÁö °»½ÅÇÏÁÖÁö ¾Ê´Â °ÍÀÌ º¸ÆíÀûÀÔ´Ï´Ù.    

2.   Seizure of Assets Àç»ê¾Ð·ù

È®Á¤ÆÇ°áÀÌ ºñÁö´Ï½º Àç»ê¿¡ ´ëÇØ ³»·ÁÁ³´Ù¸é»ç¾÷Àåºñ¼³ºñÆÇ¸ÅÁ¦Ç°¼ö±ÝºñÁö´Ï½º ÀºÇà°èÁµîÀ» ¾Ð·ùÇÒ ¼ö ÀÖ½À´Ï´Ù±×¿Ü °³ÀΠ»çÀ¯Àç»ê (Personal Property) ÀΠÀÚµ¿Â÷ ±×¸®°í ÅõÀÚ±ÝÁֽ廵å, RRSPs µîÀÇ ±ÝÀ¶Àç»êµµ ¾Ð·ùÇÒ ¼ö ÀÖ½À´Ï´Ù.

3.   Garnishee Wages ±Þ¿©Â÷¾Ð 

¸¸¾à Ã¤¹«ÀÚ°¡ Á÷ÀåÀ» ´Ù´Ï°í ÀÖ´Ù¸éä±ÇÀڴ ¹ý¿ø¿¡ Ã»±¸ÇÏ¿© ÇØ´ç Ã¤¹«ÀÚÀÇ °í¿ëÁַΠÇÏ¿©±Ý Á÷Á¢ ÀÓ±ÝÀÇ ÀϺθ¦ ¹ÞÀ» ¼ö ÀÖ½À´Ï´Ù±Þ¿©Â÷¾Ð¿¡ ´ëÇÑ Çã¿ë ±Ý¾×Àº ÁÖ¸¶´Ù »óÀÌÇÕ´Ï´Ù.

4.   Frozen Bank Account ÀºÇà°èÁµ¿°á 

À̰͵µ Garnishment ÀÇ ÀÏÁ¾À¸·Î Ã¤¹«ÀÚÀÇ ÀºÇà°èÁ¸¦ ¾Ë¾Æ³»¾î¼­ ¹ý¿ø¿¡ Ã»±¸ÇÏ¿© ÀºÇà¿¡ ¿¹±ÝµÇ¾î Àִ µ·À» Àâ¾Æ ³õÀ» ¼ö ÀÖ½À´Ï´Ù. Garnish Order °¡ ÀºÇà¿¡ Å뺸µÇ¸éÀºÇàÀº °èÁ¸¦ µ¿°áÇϰԠµÇ°í °èÁ·Πµé¾î¿À´Â Àڱݿ¡ ´ëÇØ¼­ Ã¤¹«Àڴ ÇâÈÄ Ãâ±ÝÇÒ ¼ö°¡ ¾ø°Ô µË´Ï´Ù.

5.   Garnishee Accounts Receivable ¼ö±Ý¾Ð·ù 

°³Àλç¾÷µ¿¾÷¹ýÀÎÀÇ ÇüÅ·ΠºñÁö´Ï½º¸¦ ÇÒ °æ¿ì °Å·¡Ã³³ª °í°´À¸·Î ºÎÅÍ ¹ÞÀ» ¿Ü»ó ¹Ì¼ö±ÝÀ» Â÷¾ÐÇÒ ¼ö ÀÖ½À´Ï´Ù  


 

°á·ÐÀº»ó±âÀǠä±ÇÃ߽ɵéÀ» ¸·´Â ÇذáÃ¥À¸·Î °³ÀÎȸ»ý°ú °³ÀÎÆÄ»êÀÌ ÀÖ½À´Ï´Ù. 

À̰ÍÀº ÇÕ¹ýÀû Ã¤¹«Ã»»ê ¹æ¹ýÀ¸·Î ¿¬¹æ¹ý¿¡ ÀǰÅÇØ ¸ðµç Ã¤¹«¼Ò¼Û°ú ±×¸®°í ¹ý¿øÆÇ°áÀÌ ±ÝÁö/ÁßÁöµÇ¾îÁ® ´õÀÌ»ó ¼Ò¼ÛÀÌ ÁøÇàµÇÁö ¾Ê°í Stop µÇ°Ô µË´Ï´Ù (Stay of Proceedings). 

¸¸¾à¾ÕÀ¸·Î ¼Ò¼Û ´çÇÒ ¿°·Á°¡ Àְųª ¼Ò¼ÛÁßÀ̰ųª ¹ý¿øÆÇ°á¹® Judgment Creditor°¡ ³»·ÁÁø »óŶ󵵠°³ÀÎȸ»ý ¶Ç´Â ÆÄ»ê ½Åû¼­¿¡ ¼­¸í¸¸ ÇϰԵǸ頹ٷΠÁï½Ã ¹ýÀÇ º¸È£¸¦ ¹Þ°ÔµË´Ï´Ù. 

ÁÖÀÇÇÒ Á¡Àº Judgment Lien Àº È¸»ý/ÆÄ»ê¿¡ ¿µÇâÀ» ¹ÞÁö ¾Ê°í ³¡±îÁö Surviving ÇÏ¿© »ì¾Æ ³²±â ¶§¹®¿¡ °±¾Æ¾ß ÇҠ乫°¡ µÇ±âµµ ÇÕ´Ï´ÙÁ﹫´ãº¸ Ã¤¹«°¡ ´ãº¸Ã¤¹«·Î ¼³Á¤µÇ¾î¼­ Áý¿¡ 2Â÷ ¸ð±âÁö°¡ °É¸°°ÍÀ¸·Î ÀÌÇØÇϽø頵ǰڽÀ´Ï´Ù. 

µû¶ó¼­ ºÎµ¿»êÀ̳ª ºñÁö´Ï½º¿¡ Judgment Lien ÀÌ °É¸®±â Àü¿¡ Ã¤¹«Ã»»êÀ» ½Å¼ÓÈ÷ Çϼż­ °æÁ¦ÀûÀ̰í È¿À²ÀûÀΠºÎäÁ¤¸® ÇϽñ⸦ ±ÇÇØµå¸³´Ï´Ùµ¿ÀÏÇÑ Lien À̶󵵠°¢ÁÖº°·Î ½É°¢¼ºÀÇ Á¤µµ°¡ »óÀÌÇϰԠÃë±ÞµÇ¾îÁö´Â Á¡¿¡ À¯ÀÇÇϼ¼¿ä.

 

¡Ø     [ÀúÀÛ±ÇÀÚ¨ÏZeroDebt 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      

 

 

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