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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 = '980'
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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 = '980', reg_year = '2022', reg_month = '06', reg_day = '25', reg_date = '2022-06-25', reg_date_time = '2022-06-25 04:23:31'
Table './lshcomm/happy_member_stats' is marked as crashed and should be repaired
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ZeroDebt ºí·Î±× (´õº¸±â) / »ó¼¼º¸±â
 
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[ÆÄ»êÄ®·³ 7] ij³ª´Ù ÆÄ»ê¿¡ ´ëÇÑ ÀÌÇØ Bankruptcy in Canada
ZeroDebt ºí·Î±× (´õº¸±â) > »ó¼¼º¸±â | 2015-06-21 09:53:21
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[ÆÄ»êÄ®·³ 7] ij³ª´Ù ÆÄ»ê¿¡ ´ëÇÑ ÀÌÇØ Bankruptcy in Canada
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ij³ª´Ù ÆÄ»ê¿¡ ´ëÇÑ ÀÌÇØ  Bankruptcy in Canada



°³ÀÎÆÄ»ê À» Çؼ­ °æÁ¦ÀûÀ¸·Î À¯¸®ÇѠ乫ÀÚ¿Í ±×¸®°í ÆÄ»ê½ÅûÀ¸·Î ÀÎÇØ µæº¸´Ù ½ÇÀÌ Ä¿¼­ °¡Áø °ÍÀ» ¸¹ÀÌ ÀÒ°Ô µÇ´Â ºÒ¸®ÇѠ乫ÀÚÀÇ °æ¿ì°¡ ÀÖ½À´Ï´Ù. Áï, °³ÀÎÆÄ»êÀÌ À¯¸®ÇѠ乫ÀÚ¶õ, ÃѠ乫±Ý¾×ÀÌ ¾ó¸¶µçÁö °£¿¡ ¹«Á¶°Ç ¹ýÁ¤ ÆÄÀϸµ ºñ¿ë (Bankruptcy Costs) ÀΠ1,800ºÒ ±âº» ÆÄ»êºñ¿ë¸¸ ³»°í ÆÄ»ê±â°£ 9°³¿ùÈÄ¿¡ ÀÚµ¿¸éÃ¥ (Automatic Discharge) À» ÅëÇØ¼­ ¸ðµç ºÎ並 ÅÁ°¨¹Þ´Â °æ¿ì°¡ µÇ°Ú½À´Ï´Ù.
 

À̰ÍÀº °¡Àå °æÁ¦ÀûÀ¸·Î ºúÅÁ°¨ ¹æ¹ýÀ¸·Î ¿¹Àü¿¡ ÆÄ»êÇÑÀûÀÌ ¾ø´Â 1Â÷ ÆÄ»êÀ̰í, Àç»êÀÌ ¾ø°í, À׿©¼öÀÔÀÌ ¾ø´Â °æ¿ì¿¡ ÇØ´çµË´Ï´Ù. ÇÏÁö¸¸, ÀÌó·³ 1,800ºÒÀÇ ¹ýÁ¤ ÆÄ»êºñ¿ë¸¸À» ³»°í °³ÀÎÆÄ»êÀýÂ÷¸¦ ÅëÇØ¼­ ¿ÂÀüÇÑ ºúÅÁ°¨À» ¹Þ±â À§Çؼ­´Â Ã¶ÀúÇÑ »çÀü Àڰݽɻ簡 ¿ä±¸µË´Ï´Ù. ÀÌ¿¡ µû¸¥ Personal Financial Assessment ¸¦ ÅëÇØ¼­ À繫Æò°¡¸¦ ¹Þ°í ÀÚ°Ý¿©ºÎ°¡ È®ÀεȠ乫ÀÚ¿¡ ÇÑÇØ¼­ÀÔ´Ï´Ù.


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 Æ¯È÷³ª °³ÀÎÂ÷°¡ ½ÉÇϹǷÎ, °³ÀÎÆÄ»êÀ» À§ÇÑ ÀÚ°Ý¿ä°Ç°ú °ü·Ã ÃæºÐÇÑ »çÀü Áö½Ä°ú ÀÌÇØ°¡ ¼±µÎµÇ¾îÁ®¾ß ÆÄ»ê½Ã ¼º°øÀûÀΠºÎäÅÁ°¨°ú ¹«¾ùº¸´Ù Áß¿äÇÑ ÆÄ»ê¸éÃ¥ÀÇ ¹ýÀû ÇýÅÃÀ» ÃÖ´ëÇÑ º¸½Ç ¼ö ÀÖ°Ú½À´Ï´Ù. À̿ʹ »ó¹ÝµÇ°Ô, °³À뮀Ȑʼ¸´Ù´Â °³ÀÎȸ»ýÀÌ ´õ ÇÕ¸®ÀûÀΠ乫 ÇذáÃ¥ÀÌ µÇ´Â Ã¤¹«ÀÚÀÇ °æ¿ì¿¡´Â °¡Áø Àç»êÀº Àç»ê´ë·Î ÁöŰ¸é¼­ ÇÕ¹ýÀûÀΠºúû»ê°ú ´õºÒ¾î È¿À²ÀûÀΠ½Å¿ëȸ»ýÀ» ÇϽø頵ǰڽÀ´Ï´Ù.

 


Canadian Bankruptcy law ‘helping the honest but unfortunate debtor’


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 ¿¬¹æÁ¤ºÎ¿¡¼­ Ã¤¹«Ã»»êÁ¦µµÀÇ ÀÏȯÀ¸·Î1985³âºÎÅÍ ½Ç½ÃÇØ¿À°í ÆÄ»êº¸È£¹ý (Bankruptcy and Insolvency Act ) Àº ¼º½ÇÇÏ°í ¿­½ÉÈ÷ »ì¾ÒÁö¸¸ ÇÇÄ¡¸øÇϰԠ¾î¿¼ö ¾øÀ̠乫º¯Á¦ »óȯ´É·ÂÀ» »ó½ÇÇØ¼­ Áö±ÞºÒ´É (Insolvent) ¿¡ Ã³ÇÑ ºÒ¿îÇѠ乫ÀÚ ¸¦ ±¸Á¦Çϱâ À§ÇØ Á¦Á¤µÇ¾ú½À´Ï´Ù. ÀÌ ÆÄ»êº¸È£¹ý¿¡ ÀǰÅÇØ¼­ Ã¤¹«ÀÚµéÀÌ ºÎäû»êÀ» ÇÒ¼öÀÖµµ·Ï ¿¬¹æÁ¤ºÎÂ÷¿ø¿¡¼­ ¸¶·ÃÇÑ ÀÌ ¹ýÀûÁ¦µµ¿¡´Â È¸»ý°ú ÆÄ»êÀÌ ÀÖ½À´Ï´Ù.


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 °³ÀÎÆÄ»ê (Personal Bankruptcy) °ú ¹ýÀÎÆÄ»ê (Corporate Bankruptcy)  2°¡Áö Á¾·ù·Î ³ª´©¾îÁý´Ï´Ù.


ij³ª´Ù
 ÆÄ»êº¸È£¹ýÀÌ ‘helping the honest but unfortunate debtor’ ¶ó°í Á¤ÀÇÇϰí Àִ°͠ó·³ ¸»±×´ë·Î ¿­½ÉÈ÷ »ì¾ÒÁö¸¸ ¾î¿¼ö ¾øÀÌ ºúÀ» Áö°Ô µÈ ºÒ¿îÇÑ Ã¤¹«ÀÚ µéÀ» À§ÇØ ¸¶·ÃµÈ Ã¤¹«Ã»»ê º¹ÁöÁ¦µµÀÔ´Ï´Ù.


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 ÆÄ»ê¹ýÀÇ ±âº»Á¤½ÅÀº °øÁ¤¼º (Justice) °ú °øÆò¼º (Fairness) ¿¡ ÀÖ½À´Ï´Ù. ¼±º°ÀûÀ¸·Î Ã¤±ÇÀÚ¸¦ °ñ¶ó¼­ ÆÄ»êä±Ç ´ë»óÀڷΠ±¹ÇÑÇÒ ¼ö ¾ø°í, Æ¯ÇýÀûÀ¸·Î Æ¯Á¤ Ã¤±ÇÀÚ Non-Arm’s Length Creditor (°¡Á·, Ä£Áö) ¸¸À» º°µµ·Î Çؼ­ ¸ÕÀú Ã¤¹«¸¦ °±°í ¹èÁ¦½ÃŲÈÄ ÆÄ»ê½ÅûÀ» Çϴ °ÍÀº attackable ÇÑ »óȲÀ¸·Î Ã¤±ÇÀÚ ¶Ç´Â ÆÄ»ê °üÀçÀÎÀÇ ±â°¢ ¹× ¹Ý´ë¿¡ ºÎµúÈ÷°Ô µË´Ï´Ù. ÇÏÁö¸¸, ÀÌ·± °æ¿ì¶óµµ °æÇèÀ̠dzºÎÇѠ乫Á¶Á¤Àü¹®ÀÎÀ̶ó¸é ÇÕ¹ýÀûÀΠ¹üÀ§³»¿¡¼­ ³ë·ÃÇϰԠ´ëÃ³ÇØ¼­ Ã¤¹«ÀÚÀÇ ±ÇÀÍÀ» ÃÖ´ëÇÑ ´ëº¯ÇÒ ¼ö ÀÖ°Ú½À´Ï´Ù.  


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 ½ÅûÈÄ, Å©·¹µ÷Ä«µåÀÇ Áö¼ÓÀû »ç¿ë¿©ºÎ´Â ¸¹Àº Ã¤¹«ÀÚµéÀÇ Å« °ü½É°Å¸®Àε¥, Á¤´äÀº “Yes and No” ÀÔ´Ï´Ù. ÀÏ´Ü, ÆÄ»êÀ» ½ÅûÇϽô ºÐµéÀÇ ½Å¿ëÀº R9 (poor credit) À¸·Î ÀÏÁ¤±â°£ µ¿¾È ¶³¾îÁö°Ô µË´Ï´Ù. ±×¸®°í ±× ±â·ÏÀº È¸»ýÀΠ°æ¿ì ¸¶Áö¸· Ã¤¹«»óȯº¯Á¦±ÝÀ» °±ÀºÈÄ 3³â°£ ½Å¿ëÁ¶È¸¼¾ÅÍ¿¡ R7 À¸·Î »óÇâµÇ¾î ³²°í, ÆÄ»êÀº 1Â÷ÀΠ°æ¿ì ¾à 7³â°£, 2Â÷ÀΠ°æ¿ì¿¡´Â 14³â°£ R9 À¸·Î Negative Record°¡ Credit Bureau – Equifax, TransUnion ¿¡ ³²½À´Ï´Ù. ±×ÈÄ¿¡´Â ÀÚµ¿ »èÁ¦µÇ°Ô µÇ´Ï, È¸»ý°ú ÆÄ»êÀ» ÅëÇØ¼­ ¸ðµç Ã¤¹«°¡ ÅÁ°¨µÇ¾îÁøÈÄ¿¡´Â ²À ÀÚ½ÅÀÇ ½Å¿ë»óŸ¦ Á¶È¸Çؼ­ Credit Report ¸¦ ¹Þ¾Æº¸½Ã±â¸¦ ±ÇÇØµå¸³´Ï´Ù

 

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

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

¹ý¹«»ç SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist      

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