zerodebtcanada-sunniejung > ÄÝ·º¼Ç乫 & ä±ÇÃß½ÉÇØ°á Collection Debts]]> <![CDATA[ij³ª´Ù ÇÑÀÎÆ÷ÅÐ ÇØÇÇÄÚ¸®¾Æ > zerodebtcanada-sunniejung > ÄÝ·º¼Ç乫 & ä±ÇÃß½ÉÇØ°á Collection Debts]]> zerodebtcanada-sunniejung > ÄÝ·º¼Ç乫 & ä±ÇÃß½ÉÇØ°á Collection Debts]]> zerodebtcanada-sunniejung > ÄÝ·º¼Ç乫 & ä±ÇÃß½ÉÇØ°á Collection Debts http://happykorea.ca/comm Á¦°ø, All rights reserved.]]> Sat, 25 Jun 2022 04:52:24 Sat, 25 Jun 2022 04:52:24 <![CDATA[¾Ù¹öŸ ºÒ¹ýä±ÇÃ᫐ ´ëó¹æ¾È (¹Î¿øÁ¢¼ö ¹× ¹®ÀÇÀüÈ­) Stop Collection Agency Calls & Harassment]]>

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§ÇùÇù¹Ú°­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»çµ¿·áÀÌ¿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.         ¸ÕÀúÀÚ»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´ÞÇϰíÁï½Ã 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 ¹Î¿øÁ¦±â¸¦ ÇÒ ¼ö ÀÖ½À´Ï´ÙÀ̶§ »ó±â 2¹øÀ» ¸ÕÀú Çؾ߸¸ ºÒ¹ýÃß½ÉÇÇÇØ½Å°í°¡ Á¢¼öµË´Ï´Ù.

4.         ÀÚ¼¼ÇÑ »çÇ×Àº ¾Ù¹öŸ ¼ÒºñÀÚ¼­ºñ½º¼¾Å͠ȨÆäÀÌÁö¸¦ ÂüÁ¶ÇϽðųªÀüÈ­¹®ÀǷΠÁ÷Á¢ µµ¿òÀ» ¹ÞÀ» ¼ö ÀÖ½À´Ï´Ù.

 

1-877-427-4088  or  780-427-4088

 

Service Alberta, Consumer Contact Centre ¾Ù¹öŸ ¼ÒºñÀÚ¼­ºñ½º¼¾ÅÍ

§  Address:         TD Tower, 10888-102 Avenue, 17th Floor, Edmonton AB  T5J 2Z1

§  Phone:             780-427-4088

§  Toll Free:         1-877-427-4088

§  Email:              service.alberta@gov.ab.ca

§  Website:          www.servicealberta.ca

 

(Consumer Tips) Bill Collection and Debt Repayment-Alberta Government

http://www.servicealberta.gov.ab.ca/pdf/tipsheets/Bill_Collection_and_Debt_Repayment.pdf

 

¿¬¹æ ¼ÒºñÀÚ °ü·Ã »ç¹«±¹

Office of Consumer Affairs (OCA)

https://www.ic.gc.ca/eic/site/oca-bc.nsf/eng/h_ca02149.html

 

ij³ª´Ù ¼ÒºñÀÚ ÇÚµåºÏ

Canadian Consumer Handbook

http://www.consumerhandbook.ca/en/topics/financial/collection-agencies


 

´õ ÀÌ»ó ºÒ¹ýä±ÇÃ߽ɿ¡ ½Ã´Þ¸®Áö ¸¶½Ã°í乫¹®Á¦ Çذá°ú ÇÔ²² ÇÕ¹ýÀûÀ¸·Î Ã¤±ÇÃ߽ɿ¡¼­ ÇÏ·ç¼ÓÈ÷ ¹þ¾î³ª½Ç ¼ö ÀÖ½À´Ï´Ùij³ª´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´Ù¼Ò¼Û ¿ì·Á°¡ Àְųª ¼Ò¼ÛÁßÀ̰ųª ¹ý¿øÀÇ È®Á¤ÆÇ°áÀÌ ³»·ÁÁø »óŶ󵵠°³ÀÎȸ»ý ¶Ç´Â ÆÄ»ê ½Åû¼­¿¡ ¼­¸íÇϸé¹Ù·Î ¹ýÀÇ º¸È£¸¦ ¹Þ°Ô µË´Ï´ÙÁÖÀÇÇÒ Á¡Àº´ëºÎºÐÀÇ ÁÖ¿¡¼­ ¾Ð·ùÁýÇàÀýÂ÷ÀΠJudgment Lien Àº È¸»ýÆÄ»êÀ¸·Îµµ ÇØÁ¦µÇÁö ¾Ê´Â Á¡ÀÔ´Ï´Ù¼ÒÁßÇÑ 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¿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  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      

 

]]>
Wed, 6 Apr 2016 07:49:14
<![CDATA[Judgment ¶õ? Judgment ¸¦ ÇØ°áÇÏ´Â ¹æ¹ýÀº? How To Resolve A Judgment Against You]]>

Judgment ¶õ? Judgment ¸¦ ÇØ°áÇÏ´Â ¹æ¹ýÀº?

How To Resolve A Judgment Against You

  

 


°¨´çÇÒ ¼ö ¾ø´Â Ã¤¹«·Î ÀÎÇØ ¹ýÁ¤ ¼Ò¼Û¿¡ ÈÖ¸»¸° Ã¤¹«Àڴ ÀÚ½ÅÀº ¹°·ÐÀÌ°í °¡Á·±¸¼º¿ø Àüü°¡ Á¤»óÀûÀΠ»ýȰÀ» ¿µÀ§ÇÏÁö ¸øÇÑ䠱ؽÉÇÑ ½ºÆ®·¹½º¿Í °íÅë¼Ó¿¡¼­ Àá ¸ø ÀÌ·ç´Â ³ª³¯À» º¸³À´Ï´Ù. Çѹø ½ÃÀ۵Ƞ¼Ò¼ÛÀº Á»Ã³·³ ½±°Ô ³¡³ªÁö ¾Ê°í Àå±âÀüÀ¸·Î À̾îÁö´Â °ÍÀÌ ÀϹÝÀûÀ̰í, ÀÌ¿¡ °¡Á· ¸ðµÎ Á¤½ÅÀû ºÒ¾È°ú ¾Ð¹Ú, °Ç°­¾ÇÈ­, ¹ý·üºñ¿ë ºÎ´ãÀ¸·Î ÀÎÇØ ÃÑüÀû ÀçÁ¤³­¿¡ Á÷¸éÇϰԠµË´Ï´Ù. Á¡Á¡ ÇÇÆóÇØÁ®°¡´Â »îÀÇ ¿¬Àå¼±¿¡¼­ ¼³»ó°¡»óÀ¸·Î ÀÌÈ¥À̳ª °¡Á·ÇØÃ¼ À§±â¿¡ ³õÀ̴ °æ¿ìµµ Á¾Á¾ ¹ß»ýÇÕ´Ï´Ù.


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Judgment
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Judgment °¡ ³»·ÁÁö¸é, ¹ý¿øºñ¿ë, º¯È£Àκñ, ÀÌÀÚ¸¦ ¸ðµÎ ¹°¾î¾ßÇϴ °ÍÀº ¹°·ÐÀÌ°í ¹«¾ùº¸´Ù ÀÚ½ÅÀÇ Å©·¹µ÷ ¸®Æ÷Æ®¿¡ ‘Public Record’·Î ¿Ã·ÁÁ® 6³â°£ ±â·ÏÀÌ ³²°Ô µË´Ï´Ù. ½ÇÁ¦, ÁÖ¿¡ µû¶ó¼­ Judgment ±â·ÏÀ» ¸ÅÇØ ¾÷µ¥ÀÌÆ®ÇÏ¿© ¿Ã¸®±âµµ ÇÕ´Ï´Ù. °á±¹ ¸ñµ·ÀÌ »ý°Ü¼­ ¸ðµç ¹ý¿øºñ¿ë°ú ÀÌÀÚ ±×¸®°í Ã¤¹«¿ø±ÝÀ» °±¾Æ¹ö¸°´Ù°í Çصµ Judgment ±â·ÏÀº Çѹø ÀÚ½ÅÀÇ ½Å¿ëº¸°í¼­¿¡ ¿Ã¶ó°¡¸é Àû¾îµµ 6³âÀº ³²¾Æ ÀÖ°Ô µË´Ï´Ù.
   

 

Enforcement of Judgement  ¹ý¿øÆÇ°á °­Á¦ÁýÇà


¸¸¾à, Ã¤¹«ÀÚ°¡ Judgment ¸¦ ¹Þ°íµµ Ã¤¹«¸¦ º¯Á¦ÇÏÁö ¾ÊÀ¸¸é, Ãß½Éȸ»ç´Â ¹ý¿ø¿¡  Enforcement of Judgement ¸¦ ½ÅÃ»ÇØ¼­ ´ÙÀ½°ú °°Àº ¾Ð·ù¸¦ °­Á¦ÁýÇà ÇÒ ¼ö ÀÖ½À´Ï´Ù. 

§  °³ÀÎÀç»ê µî±â¼Ò¿¡ ÁýÇ࿵Àå µî·Ï (Register a Writ of Enforcement with the Personal Property Registry).

§  ±Þ¿©, ÀºÇà°èÁ ¶Ç´Â ¿Ü»ó¸ÅÃâä±Ç ¾Ð·ù (Garnishment  of Wages, Bank Accounts, Accounts Receivable).

§  Àç»ê ¾Ð·ù (Seizure of Assets).

 

±Þ¿©¾Ð·ùÀÇ °æ¿ì, 20% ~ 50% ±îÁö »©¾ÑÀ» ¼ö ÀÖ°í, ÁýÀ̳ª Àç»êÀº Ã¤¹«¾× ¸¸Å­ Judgment Lien (ÆÇ°áÀ¯Ä¡±Ç)À» ¼³Á¤ÇÒ ¼ö ÀÖ½À´Ï´Ù. Lien Àº Èí»ç Á¦ 2Â÷ ¸ð±âÁö°¡ Áý¿¡ ´ãº¸Ã¤¹«·Î ¹­¿©Àִ °Í°ú °°Àº ÀÛ¿ëÀ» ÇÕ´Ï´Ù. ºÎµ¿»ê ¸Å¸Å½Ã º¯È£»ç´Â ¸ð±âÁö¿Í ÇÔ²² Judgment LienÀ» °±ÀºÈÄ Á¦°ÅÇØÁÖ¾î¾ß ÇÕ´Ï´Ù.

 


Judgment  ÇØ°á¹æ¹ý


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3.    Ã¤±ÇÀÚ°¡ Ã¤¹«¾× ¸¸Å­ Àç»êÀ» ¾Ð·ùÇϵµ·Ï ³ªµÐ´Ù.

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5.    °³ÀÎȸ»ý ¶Ç´Â ÆÄ»êÀýÂ÷¸¦ ½ÅûÇÑ´Ù.


ä±ÇÃß½ÉÀýÂ÷ °¡¿îµ¥ Ã¤¹«ÀÚ¿¡°Ô À־ Judgment ´Â ÃÖ¾ÇÀÇ °æ¿ìÀ̰í, Ã¤±ÇÀڷμ­´Â ¸¶Áö¸· ¿É¼Ç À̶ó ÇÒ ¼ö ÀÖ½À´Ï´Ù. ¶ÇÇÑ, ±Þ¿©¾Ð·ù, ÀºÇà°èÁ¾зù, ¼ö±Ý¸ÅÃâä±Ç¾Ð·ù µîÀº È¸»ý°ú ÆÄ»êÀ¸·Î ÇØÁ¦ÇÒ ¼ö Àִµ¥ ¹ÝÇØ, ºÎµ¿»ê¿¡ µî·ÏµÈ Judgment LienÀº 100% ¿ÏÁ¦Ã³¸® µÇÁö ¾ÊÀ¸¸é È¸»ýÆÄ»êÀ¸·Îµµ Á¦°ÅÇÒ ¼ö ¾ø´Â °ÍÀÌ ¿øÄ¢ÀÔ´Ï´Ù


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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      

 

 

Ä«µåºÎä_Judgment, Judgment_ÇØ°á¹æ¹ý, Enforcement_of_Judgement, ¹ý¿øÆÇ°á°­Á¦ÁýÇà, ¹ý¿øÆÇ°á, Judgment_Lien, ÆÇ°áÀ¯Ä¡±Ç, Writ_of_Enforcement, ÁýÇ࿵Àå, Ã¤±ÇÃß½ÉÀýÂ÷

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Tue, 15 Mar 2016 00:36:02
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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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Mon, 14 Mar 2016 17:58:55
<![CDATA[[ÄÝ·º¼Ç 乫] Å©·¹µ÷ Ä«µåºú ¸ø³»¸é ¾î¶»ÄÉ?]]> 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.

 

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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      

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

 

 

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Fri, 6 Feb 2015 21:04:27