zerodebtcanada-sunniejung > 개인파산 자주하는질문]]> <![CDATA[캐나다 한인포털 해피코리아 > zerodebtcanada-sunniejung > 개인파산 자주하는질문]]> zerodebtcanada-sunniejung > 개인파산 자주하는질문]]> zerodebtcanada-sunniejung > 개인파산 자주하는질문 http://happykorea.ca/comm 제공, All rights reserved.]]> Tue, 21 Sep 2021 09:43:50 Tue, 21 Sep 2021 09:43:50 <![CDATA[개인파산 비용 및 파산비용 결정요인 4가지 - What Is the Costs and Fees for Bankruptcy in Canada?]]>

개인파산시 드는 비용 및 파산비용 결정요인 4가지


What Is the Costs and Fees for Bankruptcy in Canada?


 


캐나다에서
 개인파산 신청시에 드는 파산비용은 다음의 4가지 요인에 의해 결정됩니다.


§  소유한 재산

§  월수입 (또는 가족구성원의 총수입)

§  가족수 (가족 규모)

§  과거 파산기록 유무


일반적으로
 캐나다에서 처음 파산신청을  경우 드는 기본 파산비용 (Bankruptcy Costs)  1,800 입니다.  기본 파산비용은  주별로 그리고  파산관재인에 따라서 같은 지역임에도 불구하고 약간의 차이가 있기도 합니다.


만약
 추가로 파산비용이 비면제재산 (압류대상재산 Non-Exempt Assets/Possessions)  잉여수입 (Surplus Income) 부분에서 발생된다면 이는 파산관재인에게 압류당한  순실현가능가치 Net Realizable Value (NRV) 환가되어 해당 채권자들에게 채무변제금으로 공평히 분배됩니다. 따라서, 최종 목적인 파산면책 (Bankruptcy Discharge)  받기 위해서는 반드시 모든 파산비용을 파산관재인에게 완불해야만 합니다.


상기의
 추가 파산비용 (Additional Funds)  파산관재인에게 지불하는 보수 (기본 파산비용) 와는 별도로 취급되는 점에 유의할 필요가 있습니다. 추가파산비용은 채무변제금으로 채권자에게 Dividend  배분됩니다.


따라서
, 파산시에 추가 파산비용없이 기본 파산비용 1,800불만으로 모든 채무가 탕감되어 파산종료후 자동면책 (Automatic Discharge)  받을  있는 채무자라면 개인파산이 유리한 채무청산 해결책 되겠습니다.


반대로
, 비면제재산을 가지고 있고  순소득에서 잉여수입 발생의 우려가 있는 채무자라면 개인파산 보다는 개인회생이  합리적인 해결책   있습니다. 무엇보다 중요한 것은 파산신청을 결정하기 전에 사전 자격심사를 통해 자신에게 가장 알맞는 채무청산 방법을 선택할  있어야겠고, 파산외에 그밖의 다른 채무청산 해결책의 옵션들을 올바르게 이해하고 숙지할 필요가 있습니다.   


 

파산비용 결정 요인 4가지  Factors of Cost of Bankruptcy

 

 채무자의 채무액, 채권자 구성, 재정, 소득, 재산, 가족수 등의 상태는 천차만별이고 절대적으로 유니크합니다. 다른 사람의 파산 케이스가  경우와 절대 동일하거나 유사하게 취급되어서는 안되겠습니다. 캐나다에서 개인파산을 신청하게 되면 Bankruptcy Cost 라고 하는 파산비용을 지불해야 파산종료와 함께 파산면책을 받을  있습니다. 다음의 4가지 파산비용 결정요인들을 하나 하나 구체적으로 살펴보겠습니다. 

1.    소유 재산의 면제 또는 비면제 유무 (Assets you keep or lose)

2.    월수입 (또는 가족구성원의 총수입) 따른 잉여소득 발생의 유무 (Surplus income payments)

3.    가족수 (가족 규모) 몇명인가? (Family size)

4.    과거 파산기록 유무 (First time or second bankruptcy) 


파산비용 요인 1:  소유 재산  How Much You Own (The Assets You Own)


채무자가
 파산신청시 그리고 파산기간 동안에 소유한 재산이 법정 면제재산 또는 압류금지재산 Bankruptcy Exemptions 해당되는 면제재산 Exempt Assets (Possessions)  제외한 모든 압류대상재산 Non-Exempt Assets (Possessions) 들은 파산관재인에게 압류당해 Net Realizable Value (NRV) 순실현가능가치로 환가되어 채권자에게 골고루 배분하게 됩니다. , 면제재산 이외의 재산들은 뺏앗기게 되어 파산비용에 추가되어 이것을 파산관재인에게 지불해야지만 면책을 받을  있습니다. 

개인 파산비용은  채무자의 재산과 소득에 따라 개별차가 아주 현저하므로 재산은 재산대로 지키면서 채무청산만을 성공적으로 하시기를 원하신다면 반드시 사전상담과 자격요건을 알아보시는 것이 현명하겠습니다.

 
 

파산비용 요인 2:  월 수입과 소득  How Much You Earn (Monthly Net Income)


파산자
 그리고 가족 구성원의 월소득  수입 (Monthly Net Income)  파산자의 가족규모와 밀접한 상관관계가 있고 파산자의 잉여수입 발생 유무를 확인하기 위한 요인으로 아주 중요하게 작용합니다. 법정 최저생계비 (Bankruptcy Threshold )  의거하여 가족수 대비 소득에 따른 잉여소득 (SI)  유무가 결정되면 결과적으로 파산자의 파산비용이 책정되어 집니다.

 

잉여수입 이란 Surplus Income (SI)

 


잉여수입의
 기본 개념은 다음과 같습니다. 

The more you earn, the more you are required to pay and

The longer you are required to make the payments while you are bankrupt. 

수입이 클수록 파산비용도 커지며 파산기간도 더 길어집니다.


아래
 도표에 따라 최저생계비 (LICO)  제외하고 남은 소득이 잉여수입 Surplus Income (SI) 으로 간주되어서 파산관재인에게 압류당하고 파산관재인은 법령에 의해 이것을 채권자에게 공평하게 분배하게 됩니다. 일반적으로  순수입에서 잉여소득이 200 이상일 경우에는  잉여소득의 50% 파산관재인에게 지불해야 하고, 결과적으로 기본 파산기간도 9개월에서 1 추가되어서 21개월로 연장됩니다.


따라서
, 파산자의 잉여수입은 파산시 여러모로 불리하다고   있겠습니다. 잉여수입의 계산은 직장인의 경우는 Paystub, Paycheck 으로 사업자의 경우는 대개 회계사의 Business Activities (T1 General)  근거로 파산전의 Net Income  추정하여 산출하게 됩니다.  


중요한 것은 
파산관재인은 법령에 의해서 채무자를 대변하지 못하고 채무자의 이익을 위해서 일할  없게 되어 있으며, 어디까지나 채권자의 편에서 채권자의 최대 이익과 최소 손실을 위해서 일하도록 라이센스를 받았다는 점입니다. 다시말해, 파산관재인에게 직접 자신의 급여명세서를 대책없이 전달하는 것은 파산자에게 후일 상당히 불리한 결과를 초래할  있다는 사실에 유념하시기 바랍니다. 이와 같이 개인파산시 드는 파산비용은  채무자의 소득에 따라 좌우됨을   있습니다. 


파산비용 요인 3:  가족수  Your Family Size


최저생계비
 금액 결정과 잉여소득 발생 유무를 결정짓는 요인입니다.


법정
 최저생계비 (Bankruptcy Threshold)   아래의 도표처럼 가족수에 따라 달라지게 됩니다. 매년 발표되는 파산감독국의 최저생계비 기준에 의해서 월소득에 대한 잉여수입의 유무가 결정되고 잉여소득 발생에 따라서 파산비용과 파산기간이 정해지게 되니 가족수는 파산비용 결정과 아주 밀접한 관계가 있습니다.

2016 캐나다 최저생계비 기준

Surplus Income Limits (잉여 소득 제한금액)

Family Size ()

Income Threshold

1

$ 2,089

2

$ 2,601

3

$ 3,197

4

$ 3,882

5

$ 4,403

6

$ 4,965

7+

$ 5,528

 

파산비용 요인 4:  과거 파산기록 유무  If You Had a Previous Bankruptcy


예전에
 캐나다에서 파산한 적이 있는지에 따라서 1 파산 그리고 2 파산인 경우에 아래 도표와 같이 파산비용이 상이해집니다. 3 파산인 경우에는 파산법원의 rule  따르게 되어있습니다.

분류

잉여수입

압류재산 유무

있음 (200 미만)

없음 (200 이상)

없음

있음

1 파산

§  파산비용 $1,800

($225 x 8 mths)

§  파산기간 9개월

§  면책 9개월째 가능

§  기본 파산비용 + 잉여소득의 50%

§  파산기간 21개월

§  면책 21개월째 가능

§  파산비용 $1,800

§  면제재산은 압류없이 보존

§  압류재산 Non-Exempt Assets 압류후 환가되어 채권자에게 분배

Credit

Report

파산종료후  7년간 R9으로 크레딧 리포트에 기록 보존

2 파산

§  파산비용 $2,700 ($225 x 12 mths)

§  파산기간 2

§  면책 24 개월째 가능

§  기본 파산비용 + 잉여소득의 50%

§  파산기간 3

§  면책 36 개월째 가능

§  파산비용 $2,700

§  면제재산은 압류없이 보존

§  압류재산 Non-Exempt Assets 압류후 환가되어 채권자에게 분배

Credit

Report

파산종료후  14년간 R9으로 크레딧 리포트에 기록 보존


결론적으로
,  개인의 성공적 파산과 파산면책의 관건은 파산신청 당시의 법정 압류재산  면제재산 유무, 최저생계비, 잉여수입  소득, 가족수, 과거 파산기록 유무 등의 요인들에 의해서 좌지우지 결정된다는 것에 대해 살펴보았습니다.  개인이나 사업자의 파산비용 산출은 상당히 복잡다양해   있으므로 Personal Financial Assessment  통해 정확한 평가가 가능합니다


 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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      

무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada

]]>
Sat, 21 May 2016 12:50:59
<![CDATA[[준주] 유콘 (YT) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Yukon]]> Yukon – Exempt Property   유콘 준주 면제재산 및 면제금액


[
참고] 유콘이 캐나다 전국 통틀어서 회생파산시 면제재산의 한도액' 이 최저로 가장 야박하다고   있습니다.

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

12 months’

supply

식품, 연료의 향후 12개월간 공급분.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰.

Household Furniture & Effects

가구, 가전, 살림

$200

Furnishings and appliances; utensils, equipment.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Principal Residence

부동산 순자산 (Equity)

$3,000

주거지 주택, 건물의 홈에퀴디 금액.

Tools of Trade

(통합적)

$600

Tools and animals of your trade, including motor vehicle.

개인, 직업, 비지니스에 필요한 장비, 설비, 기계 그리고 가축과 자동차, 트럭 모두 통괄적으로 전체 600불만 면제해줌. (캐나다 최저 면제재산 한도액)

Health Aids

의료기구

None

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

RRSPs

은퇴적금

 Almost

RRSP’s associated with life insurance policies.

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions. (Excluding recent contributions in 12 months).

모든 은퇴적금 (, 지난 12개월 이내에 불입한 것은 제외).

 

1.    Food and fuel: twelve months’ supply.

2.    Clothing: unlimited.

3.    Household furniture and appliances: up to $200.

4.    Tools and animals of your trade, including motor vehicle: up to $600.

5.    Principal residence: up to $3,000.

6.    Health aids: none.

7.    RRSP’s associated with life insurance policies.

8.    Exemptions are in effect for all registered retirement savings plans (RRSP’s, RRIF’s and DPSP’s (Deferred Profit Sharing Plans) EXCEPT contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS).

 

§  There will be no upper cap on the amount of RRSPs that can be protected. There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption.

§  The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

 


 

Statute: Read the Yukon Exemptions Act.

 

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:54:42
<![CDATA[[준주] 누나부트 (NU) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Nunavut]]> Nunavut (NU) – Exempt Property   누나부트 준주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

12 months’

supply

식품, 연료의 향후 12개월간 공급분.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰.

Household Furniture & Effects

가구, 가전, 살림

Unlimited

Furnishings and appliances; utensils, equipment.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle

차량 한대

Unlimited

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence

부동산 순자산 (Equity)

$35,000

Principal residence (including a mobile home) per name on title.

모바일홈 포함한 주거지 주택, 건물의 실소유주 일인당 홈에퀴디 금액.

Tools of Trade

사업장비, 기구

Unlimited

Ordinarily use for personal, business, profession.

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Hunting Tools

 

Unlimited

사냥도구.

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

RRSPs

은퇴적금

All

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions. (Excluding recent contributions in 12 months).

모든 은퇴적금 (, 지난 12개월 이내에 불입한 것은 제외).

 

 

1.    Food and fuel: twelve months’ supply.

2.    Clothing: unlimited.

3.    Household furniture and appliances: unlimited.

4.    Tools of the trade and hunting tools: unlimited.

5.    Principal residence: up to $35,000.

6.    Motor vehicle: unlimited.

7.    Health aids: unlimited.

8.    All registered retirement savings plans (RRSP’s, RRIF’s and DPSP’s (Deferred Profit Sharing Plans).

§  There will be no upper cap on the amount of RRSPs that can be protected however contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS).

§  There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption.

§  The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

 

The above exemptions for the territories do not apply if:

§  You are behind on child or spousal support payments.

§  You have absconded or are about to abscond from territories leaving no spouse or family behind.

 

Statute: Read the Nunavut amendments to Exemptions Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:53:46
<![CDATA[[준주] 노스웨스트 (NT) 테리토리 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Northwest Territories]]> Northwest Territories (NWT) – Exempt Property


노스웨스트 준주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

12 months’

supply

식품, 연료: 향후 12개월간 공급분

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰.

Household Furniture & Effects

가구, 가전, 살림

$5,000

 

Furnishings and appliances; utensils, equipment.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle

차량 한대

$6,000

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence

부동산 순자산 (Equity)

$50,000

Principal residence (including a mobile home) per name on title. 모바일홈을 포함한 주거주 주택, 건물의 실소유주 일인당 홈에퀴디 금액 (캐나다 전체주 가운데 가장 높은 부동산 면제금액).

Tools of Trade

사업장비, 기구

$12,000

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Hunting Tools

 

$15,000

사냥도구.

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

RRSPs

은퇴적금

All

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions. (Excluding recent contributions in 12 months).

모든 은퇴적금 (, 지난 12개월 이내에 불입한 것은 면제재산에서 제외).

 

1.    Food and fuel: twelve months’ supply.

2.    Clothing: unlimited.

3.    Household furniture and appliances: up to $5,000.

4.    Tools of the trade: up to $12,000.

5.    Hunting tools: up to $15,000.

6.    Principal residence: up to $50,000 (including a mobile home) per name on title.

7.    One motor vehicle up to $6,000

8.    Health aids: unlimited.

9.    Social allowance, handicap benefit or a widow’s pension if the proceeds from the payment are not intermingled with any other of your funds.

10.  All registered retirement savings plans (RRSP’s, RRIF’s and DPSP’s (Deferred Profit Sharing Plans).

§  There will be no upper cap on the amount of RRSPs that can be protected however contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS).

§  There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption.

§  The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

 

The above exemptions for the territories do not apply if:

§  You are behind on child or spousal support payments.

§  You have absconded or are about to abscond from the territories leaving no spouse or family behind.

 

 

Statute: Read the NWT Exemptions Act.

 

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:52:25
<![CDATA[프린스에드워드아일랜드 (PE) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Prince Edward Island]]> Prince Edward Island (PEI) – Exempt Property


프린스에드워드아일랜드 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$2,000

Furnishings and appliances; utensils, equipment, food, fuel.

가구, 가전제품, 부엌살림, 생활장비, 조명기구, 식품, 연료

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$6,500

(직업관련)

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

§  One motor vehicle (needed for occupation): up to $6,500.

§  Any motor vehicle: up to $3,000.

Principal Residence

부동산 순자산 (Equity)

None

House, condo.

주택, 콘도 홈에퀴디 금액.

Tools of Trade

사업장비, 기구

$2,000

Ordinarily use for personal, business, profession

$29,100 for farmers.

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Farm property

(Other)

$5,000

Seed for up to 100 acres, other up to $5,000.

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

RRSPs

은퇴적금

Unlimited

RRSPs with beneficiary a family member: no dollar limit.

은퇴적금 수혜자가 직계가족이면 면제재산.

  

1.    Food, fuel, household furniture, appliances: up to $2,000.

2.    Clothing: no dollar limit.

3.    One motor vehicle (needed for occupation): up to $6,500.

§  Any motor vehicle owned by the debtor not exceeding $3,000 in value

4.    Health aids: no dollar limit.

5.    Tools of your trade: up to $2,000.

6.    Farm property: seed for up to 100 acres, other up to $5,000.

7.    Principal residence: none.

8.    RRSPs with beneficiary a family member: no dollar limit.

 

If you are behind on child or spousal support payments, the above exemptions do not apply to any item but tools of your trade.

Statute: Read the Judgment and Execution Act and the Personal Property Security Act.
We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:51:35
<![CDATA[뉴펀들랜드 래브라도 (NL) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Newfoundland & Labrador]]> Newfoundland & Labrador – Exempt Property


뉴펀들랜드 래브라도 주 면제재산 및 면제금액

 

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

12 months’

supply

식품, 연료: 향후 12개월간 공급분

Personal Effects

개인용품, 소지품

 

$4,000

 

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$4,000

 

Furnishings and appliances; utensils, equipment.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$2,000

Car, truck, etc. One motor vehicle: up to $2,000.

일인당 한대의 자동차 또는 트럭 .

Principal Residence 

부동산 순자산 (Equity)

$10,000

주택, 콘도 소유주 일인당의 홈에퀴디 금액.

Tools of Trade

사업장비, 기구

$10,000

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Tools of Trade

농업, 어업 종사자

$10,000

Farm or fishing or aquaculture property

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Pensions & RRSPs

연금과 은퇴적금

Certain types

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions.

 

1.    Food and fuel: twelve months’ supply.

2.    Clothing: up to $4,000.

3.    Household furniture and appliances: specific types, up to $4,000

4.    One motor vehicle: up to $2,000

5.    Health aids: No dollar limit.

6.    Farm or fishing or aquaculture property: up to $10,000.

7.    Principal residence: up to $10,000.

8.    Pets.

9.    Items of sentimental value: up to $500.

10.  Certain pension plans.

11.  Certain income.

12.  Tools of your trade: up to $10,000.

§  Personal property used by and necessary for the debtor to earn income from his or her occupation, trade, business or calling to a value not exceeding $10,000.

§  Where the debtor’s primary occupation is farming, personal property, including agricultural products, ordinarily used by and necessary for the debtor to earn income from farming to a value not exceeding $10,000.

§  Where the debtor’s primary occupation is fishing, personal property ordinarily used by and necessary for the debtor to earn income from fishing to a value not exceeding $10,000.

§  Where the debtor’s primary occupation is aquaculture, personal property ordinarily used by and necessary for the debtor to earn income from aquaculture to a value not exceeding $10,000.


 

Statute: Read the Judgment Enforcement Act and Regulations and the Personal Property Security Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in Newfoundland & Labrador.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:49:21
<![CDATA[서스캐처원 (SK) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Saskatchewan]]> Saskatchewan – Exempt Property   서스캐처원 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

Until the next

harvest

다음 추수까지의 식품, 연료.

Personal Effects

개인용품, 소지품

 

$7,500

 

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$4,500

 

Furnishings and appliances. Or $10,000 for a farm.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$10,000

일인당 한대의 자동차 또는 트럭 .

Principal Residence 부동산 순자산 (Equity)

$32,000

주택, 콘도 소유주 일인당의 홈에퀴디 금액. See below.

Homestead provided it is not more than one 160 acres.

Tools of Trade

사업장비, 기구

$4,500

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Life Insurance

생명보험

Certain

Exempt if preferred beneficiaries

직계가족이 수혜자 (Beneficiary) 경우 대부분의 생명보험 (Term, Universal, Whole Life)  면제대상.

Health Aids

의료기구

None

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Pensions & RRSPs 

연금과 은퇴적금

Unlimited

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions.

 

Exempt Property for Non-Farmers:

1.    Food and fuel: cash equivalent of supply until the next harvest.

2.    Clothing, including jewelry, up to $7,500 in value.

3.    Household furniture and appliances: up to $4,500 (or $10,000 for a farm).

4.    One motor vehicle (needed for occupation): no dollar limit or up to $10,000.

5.    Health aids: none.        

6.    Tools of your trade: up to $4,500.

7.    Principal residence: up to $32,000 ($64,000 if jointly owned) to a maximum of $128,000 if held by four parties.

8.    Homestead provided it is not more than one 160 acres.

9.    All retirement savings plans: RRSPs, RRIFs,  DPSPs & Pensions: Unlimited

10.  Certain life insurance policies.

11.  Pets up to a value of $2,000.

12.  Prepaid Funeral Services.

13.  Funds that were received as the result of compensation for injury.

 

Exempt Farm Property for Farmers:

1.    The cash equivalent of produce sufficient to provide food and fuel for heating until the next harvest.

2.    All livestock, farm machinery and equipment, including one car or truck, necessary for the next twelve months operations.

3.    One motor vehicle, if required for business or profession, but not in addition to the one above.

4.    Seed grain equal to two bushels per acre of land under cultivation.

5.    Any trailer that is occupied by the farmer as living quarters and not in addition to the house and buildings already exempt.

6.    Cash equivalent of crop equal to:

 

§  Unpaid harvesting costs;

§  Living expenses to next harvest;

§  Necessary costs of farming until next harvest.

 

7.    Any trailer that is occupied by the farmer as living quarters and not in addition to the house and buildings already exempt.

 

Statute: Read the Exemptions Act and the Saskatchewan Farm Security Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in Saskatchewan.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:47:45
<![CDATA[노바스코샤 (NS) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Nova Scotia]]> Nova Scotia – Exempt Property   노바스코샤 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

Unlimited

식품, 연료.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$6,500

 

Furnishings and appliances. More in some cases.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$3,000

OR

$6,500

 

Car, truck, etc. One motor vehicle: up to $3,000, or up to $6,500 if needed in occupation.

일인당 한대의 자동차 또는 트럭 .

Principal Residence 부동산 순자산 (Equity)

None

주택, 콘도 소유주 일인당의 홈에퀴디 금액 제로.

Tools of Trade

사업장비, 기구

$1,000

 

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Pensions & RRSPs 연금과 은퇴적금

 Almost

Most pension plans and RRSPs (excluding recent contributions in 12 months). 대부분 연금, 은퇴적금 (, 지난 12개월 이내에 불입한 RRSPs 제외).

 

 

 

1.    Food and fuel: no dollar limit.

2.    Clothing: no dollar limit.

3.    Household goods: up to $6,500, more in some cases.

4.    One motor vehicle: up to $3,000, or up to $6,500 if needed in occupation.

5.    Health aids: no dollar limit.

6.    Principal residence: none.

7.    Tools of any occupation: up to $1,000.

§  Farm equipment, fishing nets, tools and implements used in debtor's chief occupation, not exceeding $1,000.

8.    Seeds and livestock for domestic use: no dollar limit.

9.    RRSPs:

  • Effective July 7, 2008 exemptions are in effect for all registered retirement savings plans (RRSP's, RRIF's and DPSP's (Deferred Profit Sharing Plans).

  • Except, contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS);

  • There will be no upper cap on the amount of RRSPs that can be protected;

  • There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption;

  • The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

Statute: Read the Judicature Act and Regulations and the Personal Property Security Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in Nova Scotia.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:46:21
<![CDATA[뉴브런즈윅 (NB) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in New Brunswick]]> New Brunswick – Exempt Property   뉴브런즈윅 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

3 개월분

식품, 연료.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$5,000

 

Furnishings and appliances.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$6,500

 

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence

부동산 순자산 (Equity)

None

주택, 콘도 소유주 일인당의 홈에퀴디 금액 제로’.

Tools of Trade

사업장비, 기구

$6,500

 

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc. See Below.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Pensions & RRSPs

연금과 은퇴적금

 Almost

Most pension plans and RRSPs (excluding recent contributions in 12 months). 대부분 연금, 은퇴적금 (, 지난 12개월 이내에 불입한 RRSPs 제외).

 

1.    Food and fuel: three months’ supply.

2.    Clothing: no dollar limit.

3.    Household furniture and appliances: up to $5,000 (more in some cases).

4.    One motor vehicle (needed for occupation): up to $6,500 (more in some cases).

5.    Health aids: no dollar limit.

6.    Tools of your trade: up to $6,500.

7.    Principal residence: none.

8.    Farm property: farm animals to specified limits, their feed for 6 months, and seeds to specified limits.

9.    Seed grain and potatoes required for seeding and planting purposes to the following quantities: forty bushels of oats, ten bushels of barley, ten bushels of buckwheat, ten bushels of wheat and thirty-five barrels of potatoes

10.  Two horses and sets of harness, two cows, ten sheep, two hogs and twenty fowl, and food therefore for six months.

11.  Items needed for religious services.

12.  Pets.

13.  Pension plans.

14.  RRSPs:

Effective July 7, 2008 exemptions are in effect for all registered retirement savings plans (RRSP's, RRIF's and DPSP's (Deferred Profit Sharing Plans).

Except, contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS);

There will be no upper cap on the amount of RRSPs that can be protected;

There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption;

The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

 

Statute: Read the Memorials and Executions Act and the Personal Property Security Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in New Brunswick.


     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:44:44
<![CDATA[매니토바 (MB) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Manitoba]]> Manitoba – Exempt Property   매니토바 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

6 월분

Six months’ supply or cash equivalent.

식품, 연료.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$4,500

Furnishings and appliances; utensils, equipment, food, fuel.

가구, 가전제품, 부엌살림, 생활장비, 조명기구, 식품, 연료

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$3,000

Car, truck, etc. Non-farmers up to $3,000, farmers no limit.

일인당 한대의 자동차 또는 트럭 .

Principal Residence부동산 순자산 (Equity)

$2,500

Farm house & non-farmers up to $2,500, or $1,500 if you are a co-owner.

주택, 콘도 소유주 일인당의 홈에퀴디 금액.

Tools of Trade

사업장비, 기구

$7,500

Ordinarily use for personal, business, profession

$29,100 for farmers.

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Life Insurance

생명보험

Certain

Exempt if preferred beneficiaries

직계가족이 수혜자 (Beneficiary) 경우 대부분의 생명보험 (Term, Universal, Whole Life)  면제대상.

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc. See Below.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Pensions 연금

 

Locked-in pension plans.

Farm property

12 months
operations

Buildings and requirements.

Farm land

160 acres

 

 

 

1.    Food and fuel: six months’ supply or cash equivalent.

2.    Clothing: no dollar limit.

3.    Household furniture and appliances: up to $4,500

4.    One motor vehicle (needed for occupation): non-farmers up to $3,000, farmers no limit.

5.    Health aids: no dollar limit.

§  including but without limiting the generality of the foregoing a wheelchair, an air-conditioner, an elevator, a hearing aid, eye glasses and prosthetic or orthopedic equipment, that are reasonably necessary for the health or mobility of the judgment debtor or a member of his family.

6.    Tools of your trade: up to $7,500.

7.    Farm property: buildings and requirements for 12 months operations.

8.    Principal residence: farm house; non-farmers up to $2,500, or $1,500 if you are a co-owner.

9.    Farm land: up to 160 acres.

10.  Items needed for religious services.

11.  Locked-in pension plans.

12.  Certain life insurance policies.

13.  Municipal or school property.

 

Statutes: Read the Executions Act and the Judgments Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in Manitoba.
 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:43:14
<![CDATA[퀘벡 (QC) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Quebec]]> Quebec – Exempt Property   퀘벡 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

Unlimited

식품, 연료.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$6,000

 

Specific types of furnishings and appliances. See Below.

가구, 가전, 전자제품, 부엌살림, 생활장비 (특정한).

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

Unlimited

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence 부동산 순자산 (Equity)

$10,000

주택, 콘도 소유주 일인당의 홈에퀴디 금액.

Tools of Trade

사업장비, 기구

Unlimited

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Disability aids, accident benefits

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Farm property

Unlimited

Buildings and requirements.

 

 

1.    Food and fuel: no dollar limit.

2.    Clothing: no dollar limit.

3.    Household furniture and appliances: specific types, up to $6,000.

§  Movable property which furnishes his main residence, used by and necessary for the life of the household, up to a market value of $6,000.

4.    Motor vehicle: no dollar limit.

5.    Disability aids, accident benefits: no dollar limit.

6.    Tools of your trade: no dollar limit.

7.    Farm property: no dollar limit.

8.    Principal residence: $10,000.

9.    Support received through court order, donation, or bequest.

10.  Most property declared exempt by a donor or will.

11.  A certain portion of your wages and salaries, based on the number of your dependants.

12.  Benefits payable and employer contributions under an employer-sponsored pension plan.

13.  Employer contributions to pension, insurance or social welfare funds.

14.  Reimbursement of expenses incurred under a contract of accident and sickness insurance.

15.  Family papers and portraits, medals and other decorations, and documents.

16.  Items used in religious worship.

17.  Income for services as a minister of religion.

18.  Food, lodging, and transportation passes received for employment travel.

  

Statute: Read the Code of Civil Procedure.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in Quebec.

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:41:54
<![CDATA[브리티시콜롬비아 (BC) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in British Columbia]]> British Columbia – Exempt Property   브리티시 컬럼비아주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

None

식품, 연료.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

 

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$4,000

Furnishings and appliances; utensils, equipment, food, fuel.

가구, 가전제품, 부엌살림, 생활장비, 조명기구.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$5,000

Car, truck, etc. Or $2,000 if you behind on child support payments.

일인당 한대의 자동차 또는 트럭 .

Principal Residence

부동산 순자산 (Equity)

$9,000

Or

$12,000

House, condo: $12,000 in Greater Vancouver or Victoria.

주택, 콘도 소유주 일인당의 홈에퀴디 금액. 비씨는 지역에 따라 상이.

Tools of Trade

사업장비, 기구

$10,000

Ordinarily use for personal, business, profession.

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Farm property

None

농업 종사자 재산

 

1.    Food and fuel: none.

2.    Clothing: no dollar limit.

3.    Household goods: up to $4,000.

4.    One motor vehicle: up to $5,000 (or $2,000 if you behind on child support payments).

5.    Health aids: no dollar limit.

6.    Tools of trade: up to $10,000.

7.    Farm property: none.

8.    Medical and dental aids that are required by the debtor and the debtor’s dependants.

9.    Principal residence: up to $9,000 (or $12,000 in Greater Vancouver or Victoria).

$12,000 if the debtor is a person whose principal residence is located within the boundaries of the Capital Regional District or the Greater Vancouver Regional District.

$9,000 if the debtor is a person whose principal residence is located outside the boundaries of the Capital Regional District or the Greater Vancouver Regional District.

10.  RRSPs:

Effective July 7, 2008 exemptions are in effect for all registered retirement savings plans (RRSP's, RRIF's and DPSP's (Deferred Profit Sharing Plans).

Except, contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS);

There will be no upper cap on the amount of RRSPs that can be protected;

There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption;

The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

 

Statute: Read the Court Order Enforcement Act and Regulations.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in British Columbia.

 

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

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

법무사 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, 2 Mar 2016 07:40:35
<![CDATA[앨버타 (AB) 파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Alberta]]> Alberta – Exempt Property   앨버타주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

 

면제금액 (최대)

Descriptions

면제재산 보기

Personal Effects

개인용품, 소지품

 

$4,000

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Food 식량

12 months’

supply

Food required by the debtor and the enforcement debtor’s dependants during the next 12 months

향후 1년간 필요한 식료품비.

Household Furniture & Effects

가구, 가전, 살림

$4,000

Furnishings and appliances; utensils, equipment, fuel.

가구, 가전제품, 부엌살림, 생활장비, 조명기구, 연료

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$5,000

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence

부동산: , 콘도, 건물

$40,000

(1 소유)

House, condo; reduced to your share if you are a co-owner.

주택, 콘도 소유주 최대 면제 홈에퀴디 금액. 공동소유일 경우 사람수에 따라 나눔. (앨버타주는 캐나다 전국에서 부동산 면제금액이 노스웨스트 준주 다음으로 크다). 

Tools of Trade

사업장비, 기구

$10,000

Ordinarily use for personal, business, profession

$29,100 for farmers.

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Life Insurance

생명보험

 

Exempt if preferred beneficiaries

직계가족이