ij³ª´Ù ÆÄ»ê¿¡ ´ëÇÑ ÀÌÇØ Bankruptcy in Canada
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°³ÀÎÆÄ»ê À» ÇØ¼ °æÁ¦ÀûÀ¸·Î À¯¸®ÇÑ Ã¤¹«ÀÚ¿Í ±×¸®°í ÆÄ»ê½ÅûÀ¸·Î ÀÎÇØ µæº¸´Ù ½ÇÀÌ Ä¿¼ °¡Áø °ÍÀ» ¸¹ÀÌ ÀÒ°Ô µÇ´Â ºÒ¸®ÇÑ Ã¤¹«ÀÚÀÇ °æ¿ì°¡ ÀÖ½À´Ï´Ù. Áï, °³ÀÎÆÄ»êÀÌ À¯¸®ÇÑ Ã¤¹«ÀÚ¶õ, ÃÑ Ã¤¹«±Ý¾×ÀÌ ¾ó¸¶µçÁö °£¿¡ ¹«Á¶°Ç ¹ýÁ¤ ÆÄÀϸµ ºñ¿ë (Bankruptcy Costs) ÀÎ 1,800ºÒ ±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 öÀúÇÑ »çÀü Àڰݽɻ簡 ¿ä±¸µË´Ï´Ù. ÀÌ¿¡ µû¸¥ Personal Financial Assessment ¸¦ ÅëÇØ¼ À繫Æò°¡¸¦ ¹Þ°í ÀÚ°Ý¿©ºÎ°¡ È®ÀÎµÈ Ã¤¹«ÀÚ¿¡ ÇÑÇØ¼ÀÔ´Ï´Ù.
°³ÀÎÆÄ»êÀº ƯÈ÷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°øÀûÀÎ ºÎäÅÁ°¨°ú ¹«¾ùº¸´Ù Áß¿äÇÑ ÆÄ»ê¸éÃ¥ÀÇ ¹ýÀû ÇýÅÃÀ» ÃÖ´ëÇÑ º¸½Ç ¼ö ÀÖ°Ú½À´Ï´Ù. À̿ʹ »ó¹ÝµÇ°Ô, °³ÀÎÆÄ»ê º¸´Ù´Â °³ÀÎȸ»ýÀÌ ´õ ÇÕ¸®ÀûÀΠ乫 ÇØ°áÃ¥ÀÌ µÇ´Â 乫ÀÚÀÇ °æ¿ì¿¡´Â °¡Áø Àç»êÀº Àç»ê´ë·Î ÁöŰ¸é¼ ÇÕ¹ýÀûÀÎ ºúû»ê°ú ´õºÒ¾î È¿À²ÀûÀÎ ½Å¿ëȸ»ýÀ» ÇÏ½Ã¸é µÇ°Ú½À´Ï´Ù.
Canadian Bankruptcy law ‘helping the honest but unfortunate debtor’
ij³ª´Ù ¿¬¹æÁ¤ºÎ¿¡¼ 乫û»êÁ¦µµÀÇ ÀÏȯÀ¸·Î1985³âºÎÅÍ ½Ç½ÃÇØ¿À°í ÆÄ»êº¸È£¹ý (Bankruptcy and Insolvency Act ) Àº ‘¼º½ÇÇÏ°í ¿½ÉÈ÷’ »ì¾ÒÁö¸¸ ÇÇÄ¡¸øÇÏ°Ô ¾î¿¼ö ¾øÀÌ Ã¤¹«º¯Á¦ »óȯ´É·ÂÀ» »ó½ÇÇØ¼ Áö±ÞºÒ´É (Insolvent) ¿¡ óÇÑ ‘ºÒ¿îÇÑ Ã¤¹«ÀÚ’ ¸¦ ±¸Á¦Çϱâ À§ÇØ Á¦Á¤µÇ¾ú½À´Ï´Ù. ÀÌ ÆÄ»êº¸È£¹ý¿¡ ÀǰÅÇØ¼ 乫ÀÚµéÀÌ ºÎäû»êÀ» ÇÒ¼öÀÖµµ·Ï ¿¬¹æÁ¤ºÎÂ÷¿ø¿¡¼ ¸¶·ÃÇÑ ÀÌ ¹ýÀûÁ¦µµ¿¡´Â ȸ»ý°ú ÆÄ»êÀÌ ÀÖ½À´Ï´Ù.
ÆÄ»ê¿¡´Â °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 ÀÖ´Â°Í Ã³·³ ¸»±×´ë·Î ‘¿½ÉÈ÷ »ì¾ÒÁö¸¸ ¾î¿¼ö ¾øÀÌ ºúÀ» Áö°Ô µÈ ºÒ¿îÇÑ Ã¤¹«ÀÚ’ µéÀ» À§ÇØ ¸¶·ÃµÈ 乫û»ê º¹ÁöÁ¦µµÀÔ´Ï´Ù.
ij³ª´Ù ÆÄ»ê¹ýÀÇ ±âº»Á¤½ÅÀº °øÁ¤¼º (Justice) °ú °øÆò¼º (Fairness) ¿¡ ÀÖ½À´Ï´Ù. ¼±º°ÀûÀ¸·Î ä±ÇÀÚ¸¦ °ñ¶ó¼ ÆÄ»êä±Ç ´ë»óÀÚ·Î ±¹ÇÑÇÒ ¼ö ¾ø°í, ƯÇýÀûÀ¸·Î ƯÁ¤ ä±ÇÀÚ Non-Arm’s Length Creditor (°¡Á·, Ä£Áö) ¸¸À» º°µµ·Î ÇØ¼ ¸ÕÀú 乫¸¦ °±°í ¹èÁ¦½ÃŲÈÄ ÆÄ»ê½ÅûÀ» ÇÏ´Â °ÍÀº attackable ÇÑ »óȲÀ¸·Î ä±ÇÀÚ ¶Ç´Â ÆÄ»ê °üÀçÀÎÀÇ ±â°¢ ¹× ¹Ý´ë¿¡ ºÎµúÈ÷°Ô µË´Ï´Ù. ÇÏÁö¸¸, ÀÌ·± °æ¿ì¶óµµ °æÇèÀÌ Ç³ºÎÇÑ Ã¤¹«Á¶Á¤Àü¹®ÀÎÀ̶ó¸é ÇÕ¹ýÀûÀÎ ¹üÀ§³»¿¡¼ ³ë·ÃÇÏ°Ô ´ëÃ³ÇØ¼ 乫ÀÚÀÇ ±ÇÀÍÀ» ÃÖ´ëÇÑ ´ëº¯ÇÒ ¼ö ÀÖ°Ú½À´Ï´Ù.
ÆÄ»ê ½ÅûÈÄ, Å©·¹µ÷Ä«µåÀÇ Áö¼ÓÀû »ç¿ë¿©ºÎ´Â ¸¹Àº 乫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 ȸ»ýÀÎ °æ¿ì ¸¶Áö¸· 乫»óȯº¯Á¦±ÝÀ» °±ÀºÈÄ 3³â°£ ½Å¿ëÁ¶È¸¼¾ÅÍ¿¡ R7 À¸·Î »óÇâµÇ¾î ³²°í, ÆÄ»êÀº 1Â÷ÀÎ °æ¿ì ¾à 7³â°£, 2Â÷ÀÎ °æ¿ì¿¡´Â 14³â°£ R9 À¸·Î Negative Record°¡ Credit Bureau – Equifax, TransUnion ¿¡ ³²½À´Ï´Ù. ±×ÈÄ¿¡´Â ÀÚµ¿ »èÁ¦µÇ°Ô µÇ´Ï, ȸ»ý°ú ÆÄ»êÀ» ÅëÇØ¼ ¸ðµç 乫°¡ ÅÁ°¨µÇ¾îÁøÈÄ¿¡´Â ²À ÀÚ½ÅÀÇ ½Å¿ë»óŸ¦ Á¶È¸Çؼ Credit Report ¸¦ ¹Þ¾Æº¸½Ã±â¸¦ ±ÇÇØµå¸³´Ï´Ù.
¡Ø [ÀúÀÛ±ÇÀÚ©ZeroDebt Canada Inc. (ÁÖ)ij³ª´Ù乫û»êÈñ¸ÁÇ÷¯½º. ¹«´Üº¹Á¦ ¹× ÀüÀç-Àç¹èÆ÷ ±ÝÁö]
»ó±âÀÇ º»¹®Àº ÀϹÝÀûÀÎ ±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
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