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[°³ÀÎȸ»ý ½ÅûÀڰݽɻ砹«·á乫»ó´ãÀ» ÅëÇØ ¾Ë¾Æº¸¼¼¿ä!!]


°³ÀÎȸ»ýÀýÂ÷´Â ÇöÀç °ú´ÙÇѠ乫·Î ÀÎÇÏ¿© Áö±ÞºÒ´ÉÀÇ »óÅ¿¡ ºüÁ®Àְųª Áö±ÞºÒ´ÉÀÇ »óŰ¡ ¹ß»ýÇÒ ¿ì·Á°¡ Àִ °³ÀÎÀ̳ª °³ÀΠ»ç¾÷ÀÚ°¡ ½ÅûÇÒ ¼ö ÀÖ½À´Ï´Ù
¹«´ãº¸Ã¤¹« 250,000ºÒ ÀÌÇÏÀǠ乫¸¦ °¡Áö½ÅºÐ Áß ¾Æ·¡¿Í °°Àº ºÐµéÀÌ ÀϹݠ°³ÀÎȸ»ý ½ÅûÀÌ °¡´ÉÇÕ´Ï´Ù.

1.     ÆÄ»ê¾øÀÌ ÇÕ¹ýÀûÀ¸·Î Ã¤¹«Ã»»êÀ» ¿øÇϴ °³ÀΠ¶Ç´Â »ç¾÷ÀÚ°¡ ½ÅûÇÒ ¼ö ÀÖ½À´Ï´Ù

    • ¹ýÁ¤ÃÖÀú»ý°èºñ ÀÌ»óÀÇ ¼ÒµæÀÌ Àְųª Àç»êÀ» À¯ÁöÇÏ°í ½ÍÀº °æ¿ì
    • °í¼ÒµæÀÚ ¶Ç´Â À׿©¼Òµæ (Surplus Income) ÀÇ ¹ß»ýÀÌ ¸¹Àº °³ÀÎÀ¸·Î °³ÀÎÆÄ»êÀÌ ºÒ¸®ÇÑ °æ¿ì
    • ÆÄ»êÀº ½È°í ¹«ÀÌÀÚ¿ø±ÝÅÁ°¨ ÇýÅðú ÇÔ²² ¿ù¼Ò¾×À¸·Î ÇÕ¹ýÀû Ã¤¹«Ã»»êÀ» ¿øÇϴ °æ¿ì
    • ±âº»ÀûÀ¸·Îij³ª´Ù¿¡¼­ ¹ß»ýÇѠij³ª´Ù ´Þ·¯·Î ¹«´ãº¸ Ã¤¹«¸¦ °¡Áø ¸ðµç °³ÀΠ±×¸®°í »ç¾÷Àڴ ´©±¸µçÁö ¹ýÀÇ º¸È£ÇÏ¿¡ Ã¤¹«Ã»»êÇÒ ÀÚ°ÝÀÌ ÁÖ¾îÁø´Ù°í ÇÒ ¼ö ÀÖ½À´Ï´Ù.

 

2.    °³³ª´Ù °ÅÁÖÀڰݰú ¹«°üÇÕ´Ï´Ù Regardless of Legal Status

 

    • ij³ª´Ù ½Ã¹Î±ÇÀÚ ¹× ºñ½Ã¹Î±ÇÀÚ ¸ðµÎ¸¦ Æ÷ÇÔÇϸ砿µÁÖ±ÇÀÚ, Work Permit ¼ÒÀ¯ÀÚÀ¯Çлý¹æ¹®ºñÀڿܱ¹ÀΠµî ´©±¸µçÁö ½ÅûÀÌ °¡´ÉÇÕ´Ï´Ù.

    • ij³ª´Ù³»¿¡¼­ ¹ß»ýµÈ ¸ðµç ±ÝÀ¶±Çºñ±ÝÀ¶±Ç¿¡ ¹«´ãº¸ Ã¤¹« (Unsecured Debts) ¸¦ °¡Áö°í Àִ ¸ðµç °³ÀΠ¶Ç´Â »ç¾÷Àڠ乫ÀÚµéÀÌ ÇØ´çµË´Ï´Ù.

 

 

3.    Çö °ÅÁÖ±¹°¡ ¹× °ÅÁÖÁö¿ª°ú ¹«°üÇÕ´Ï´Ù Regardless of Regions and Countries

    • ÇöÀç Ä³³ª´Ù¿¡ °ÅÁÖÁßÀ̰ųª °ú°Å Ä³³ª´Ù¿¡ Ã¼·ù½Ã ¹ß»ýµÈ ºÎ並 Ã»»êÇÏÁö ¸øÇѠä Çѱ¹À¸·Î ¿µ±¸ ¶Ç´Â Àӽà±Í±¹ÇϽŠºÐ´Ù½Ã Ä³³ª´Ù·Î µ¹¾Æ¿À°í ½ÍÁö¸¸ Ä³³ª´Ù¿¡¼­ Áø ºú ¶§¹®¿¡ µ¹¾Æ¿À±â°¡ ¸Á¼³¿©Áö´Â ºÐij³ª´Ù·Î ±Í±¹Àü¿¡ ¿¹ÀüÀÇ °±Áö¸øÇѠij³ª´Ù Ã¤¹«¸¦ °±°í ½ÍÀ¸½Å ºÐ µî ¸ðµÎ °³ÀÎȸ»ýÀ» ÇÒ ¼ö ÀÖ½À´Ï´Ù.

 

4.    Àç»êÀ» ÁöŰ¸é¼­ Ã¤¹«Ã»»êÀ» ¿øÇϸ頰³ÀÎȸ»ýÀÌ ÇÕ¸®ÀûÀÔ´Ï´Ù Protect Your Personal Assets

    • ÁÖÅÃÀ̳ª Äܵµµî ºÎµ¿»êÀ» ¼ÒÀ¯ÇϽŠºÐÀ¸·Î »çÀ¯Àç»êÀ» ÁöŰ°í ½ÍÀ¸½Å ºÐ ¶Ç´Â ¾ÆÆÄÆ®·»Æ®¹æ·»Æ®Çϼ÷ÇϽô °³ÀΠ¶Ç´Â ¼¼ÀÔÀÚ ¸ðµÎ°¡ ½Åû °¡´ÉÇÕ´Ï´Ù.

    • ÇöÀç Àç»êÀÌ ÀÖ´Ù¸é Àç»êº¸´Ù ´õ ¸¹Àº ±Ý¾×À» º¯Á¦ÇÒ ¼ö ÀÖ¾î¾ß ÇϰíÇöÀç Àç»êº¸´Ù Ã¤¹«°¡ ¸¹Àº °æ¿ì¿¡ À¯¸®ÇÕ´Ï´Ù.

 

5.    Áö±ÞºÒ´É ¶Ç´Â ±×·¯ÇÑ ¿°·Á°¡ ÀÖ¾î¾ß ÇÕ´Ï´Ù Insolvency

    • 乫º¯Á¦ ´É·ÂÀÌ ºÎÁ·ÇÏ¿© º¯Á¦±âÇÑ À̳»¿¡ ºúÀ» °±À» ¼ö ¾ø°Å³ª °è¼ÓÀûÀ¸·Î Ã¼³³ÇÏ¿© º¯Á¦ÇÒ ¼ö ¾ø´Â °´°üÀûÀΠ»óÅ Áïü¹«¿¬Ã¼Áö±ÞºÒ´ÉÀ̰ųª ±×·¯ÇÑ ¿°·Á°¡ Àִ °æ¿ì¿¡ ½ÅûÇÒ ¼ö ÀÖ½À´Ï´Ù

    • ÀϹÝÀûÀ¸·Î ÇöÀçÀÇ Àç»ê ÃѾ×ÀÌ ¹«´ãº¸Ã¤¹« ÃѾ×À» ÃʰúÇÑ´Ù¸é Áö±ÞºÒ´ÉÀ¸·Î º¸±â ¾î·Æ´Ù°í ÇÒ ¼ö ÀÖ½À´Ï´Ù. 

    • 乫º¯Á¦Áö±ÞºÒ´ÉÀÇ ¿øÀΰú´Â »ó°ü¾øÀÌ »óȯ±â°£ À̳»¿¡ Ã¤¹«¸¦ º¯Á¦ÇÒ ¼ö ¾ø°Å³ª ÇöÀç Áö¼ÓÀûÀ¸·Î ¿¬Ã¼µÈ »óÅ¿¡ ³õÀΠ乫ÀÚ ¶Ç´Â ¾ÕÀ¸·Î ±×·¯ÇÑ Áö±ÞºÒ´ÉÀÇ ¿°·Á°¡ Àִ ä¹«ÀÚ°¡ ½ÅûÇÒ ¼ö ÀÖ½À´Ï´Ù.

 

Insolvency ¶õ? Ã¤¹«º¯Á¦Áö±ÞºÒ´É ¿©ºÎÀÇ ±âÁØ

 

      • 乫º¯Á¦´É·ÂÀ» »ó½ÇÇÏ¿© Áö±ÞºÒ´ÉÀÇ »óÅ (Insolvent) ¿¡ Ã³ÇØÀְųª ¾ÕÀ¸·Î ±×·¯ÇÒ ¿°·Á°¡ Àִ °³ÀÎÀ¸·Î Áï½Å¿ëºÒ·®ÀÚ乫º¯Á¦´É·Â »ó½ÇÀÚ ¶Ç´Â ±×·² °¡´É¼ºÀÌ Àִ °³ÀÎÀ¸·Î °±¾Æ¾ßÇÒ ¹«´ãº¸Ã¤¹« (Unsecured Debt)°¡ ¼øÀç»ê (Equity) º¸´Ù  ¸¹Àº °æ¿ì¿¡´Â 100% ÀÚ°ÝÀÌ ÁÖ¾îÁý´Ï´Ù.

      • ÇÏÁö¸¸¿ªÀ¸·Î ¼øÀç»êÀÌ ¹«´ãº¸Ã¤¹«º¸´Ù Å«°æ¿ì¿¡µµ »óȲ¿¡ µû¶ó °³º°Â÷´Â ÀÖÀ¸³ª °³ÀÎȸ»ýÁ¦µµÀÇ ÇýÅÃÀ» ¹ÞÀ» ¼ö ÀÖ½À´Ï´Ù. 

6.    °è¼ÓÀû ¼öÀÔ °¡´É¼ºÀÌ ÀÖ¾î¾ß ÇÕ´Ï´Ù Income Proof (¼öÀÔÁõ¸í Á÷ÀåÀ¯¹«)

    • Á÷ÀåÀÎÀü¹®Á÷ÀÚ¿µ¾÷ÀÚ°³ÀÎ/¹ýÀΠ»ç¾÷ÀÚÆÄÆ®Å¸ÀÓºñÁ¤±ÔÁ÷ÀÏ¿ëÁ÷±Þ¿©¸í¼¼¼­¸¦ ¹ÞÁö¾Ê´Â Cash Job Á¾»çÀÚÀú¼ÒµæÀÚ µî °í¿ëÇüÅÂÁ÷Á¾¿µ¾÷¼Òµæ½Å°í µîÀÇ À¯¹«¿¡ °ü°è¾øÀÌ ¾î´ÀÁ¤µµÀÇ ¼öÀÔÀÌ ÀÖ°í ÇöÀç¿Í Àå·¡¿¡ °è¼ÓÀû ¶Ç´Â ¹Ýº¹ÇÏ¿© ¼ÒµæÀ» ¾òÀ» °¡´É¼ºÀÌ Àִ ä¹«ÀÚ°¡ ÇØ´çµË´Ï´Ù.

    • ÁÖºÎÇлýÀ¯Çлý¹«Á÷½ÇÁ÷ÀÚ µî ¸Å¿ù ÀÏÁ¤ÇÑ ¼öÀÔÀ̳ª ²ÙÁØÇÑ ¼ÒµæÀÌ ¾ø´Â °³ÀÎÀ̶󵵠°¡Á·Ä£ÁöÁöÀεé·Î ºÎÅÍ °æÁ¦Àû µµ¿òÀ» ¹ÞÀ» ¼ö Àִٸ頽ÅûÀÚ°ÝÀÌ ÁÖ¾îÁý´Ï´Ù.

 

7.    ºÎä¾×ÀÇ Çѵµ°¡ ÀÖ½À´Ï´Ù Division 2 Proposal

    • ÃÑ ¹«´ãº¸ Ã¤¹«¾× (Unsecured Debts) ÀÌ 250,000ºÒ ¹Ì¸¸ÀΠ°æ¿ì ÀϹݠ°³ÀÎȸ»ýÀÌ Àû¿ëµÇ¾î ½ÅûÇÒ ¼ö ÀÖ½À´Ï´Ù.

    • ´ëÇ¥Àû ´ãº¸Ã¤¹« (Secured Debts) ÀΠÁÖÅÃÄܵµ°Ç¹° ±×¸®°í ÀÚµ¿Â÷ °ü·Ã ´ãº¸´ëÃâÀº °³ÀÎȸ»ý¿¡¼­ Á¦¿ÜµÇ´Â °ÍÀÌ ÀϹÝÀûÀÌÁö¸¸ »óȲ¿¡ µû¶ó¼­ °³ÀÎȸ»ýÀ¸·Î Ã»»êÇÒ ¼öµµ ÀÖÀ¸´Ï ¹Ýµå½Ã °³º°»ó´ãÀ» ¹ÞÀ¸½Ã±æ ±ÇÇØµå¸³´Ï´Ù.

    • ÃÑ ¹«´ãº¸ Ã¤¹«¾×ÀÌ 250,000 ºÒ ÀÌ»óÀΠ°æ¿ì¿¡´Â ÀϹݠ°³ÀÎȸ»ýÀÌ ¾Æ´Ñ ÇѴܰè À§ÀǠȸ»ýÀýÂ÷ÀΠDivision 1 Proposal Àû¿ëµÇ´Âµ¥ ¿©±â¿¡´Â Á»´õ º¹ÀâÇÑ ÀýÂ÷¿Í Àڰݽɻ砱âÁØÀÌ °­µµ³ô°Ô ÁøÇàµË´Ï´Ù.  

 

8.    µµ¹Ú³¶ºñÀÚÀÇ ½Åûµµ °¡´ÉÇÕ´Ï´Ù Gamble or Over-Extension of Credit

    • ij³ª´Ù Ã¤¹«Ã»»ê ¹ý·ÉÀΠÆÄ»êº¸È£¹ý ‘Bankruptcy and Insolvency Act (BIA)’ ÀÇ Á¦ 178Á¶¿¡ ÀǰÅÇϸ頵µ¹Ú°ú ³¶ºñ´Â ¸éÃ¥ºÒÇã°¡»çÀ¯·Î ±ÔÁ¤µÇ¾î ÀÖÁö ¾ÊÀ¸¹Ç·Î °³ÀÎȸ»ýÀ» ÅëÇØ ÅÁ°¨¹ÞÀ» ¼ö ÀÖ½À´Ï´Ù.

    • 乫¹ß»ýÀÇ ¿äÀΰú Áö±ÞºÒ´ÉÀÇ ±ÍÃ¥»çÀ¯°¡ ½ÅûÀο¡°Ô ÀÖ´Ù°í ÇÏ´õ¶óµµ ½ÅûÇÒ ¼ö ÀÖ½À´Ï´Ù.

    • ³¶ºñ ¶Ç´Â µµ¹Ú ±âŸ »çÇàÇàÀ§¸¦ ÇÏ¿© ÇöÀúÈ÷ Àç»êÀ» °¨¼Ò½ÃŰ°Å³ª °ú´ëÇѠ乫¸¦ ºÎ´ãÇϴ ÇàÀ§´Â °³ÀÎȸ»ýÀýÂ÷¿¡ À־ ¹ýÀÌ ±ÔÁ¤Çϴ ¸éÃ¥ºÒÇã°¡»çÀ¯¿¡ ÇØ´çµÇÁö ¾ÊÄ¡¸¸°æ¿ì¿¡ µû¶ó¼­ Á¶°ÇºÎ ¸éÃ¥À» ÇØÁִ °ÍÀÌ ÀϹÝÀûÀÔ´Ï´Ù.

    • ³¶ºñ¿Í µµ¹ÚÀ¸·Î ÀÎÇØ ¹ß»ýµÈ Ã¤¹«¶óµµ ‘乫º¯Á¦»óȯºÒ´ÉÀÇ ¿øÀΰú´Â »ó°ü¾øÀÌ ÁöºÒ±â°£³»¿¡ Ã¤¹«¸¦ º¯Á¦ÇÒ ¼ö ¾ø¾î¼­ Áö±ÞºÒ´ÉÀÇ »óÅ¿¡ ºüÁø Ã¤¹«ÀÚ¿¡ ÇØ´çµÇ¹Ç·Î °³ÀÎȸ»ýÀ» ÇÒ ¼ö ÀÖ½À´Ï´Ù.

 

9.    ´Ù¸¥ »ç¼³ Ã¤¹«Á¶Á¤ÀýÂ÷¸¦ ¹â°í Àִ °æ¿ì¿¡µµ ½ÅûÇÒ ¼ö ÀÖ½À´Ï´Ù Re-Application

    • Credit Counselling (乫Á¶Á¤), Debt Consolidation (乫ÅëÇÕ), Debt Management (乫°ü¸®), Debt Settlement (乫»è°¨µîÀ» ´Ù¸¥ »ç¼³ Ã¤¹«Á¶Á¤¾÷ü¸¦ ÅëÇÏ¿© ÁøÇàÁßÀÌ´õ¶óµµ °³ÀÎȸ»ýÀýÂ÷¸¦ ½ÅûÇÒ ¼ö ÀÖÀ¸¸çÁøÇàÁßÀΠ乫Á¶Á¤ ÇÁ·Î±×·¥Àº °³ÀÎȸ»ý ½Åû°ú µ¿½Ã¿¡ ÁßÁöµË´Ï´Ù.

    • ¶ÇÇÑ¿¹Àü¿¡ °³ÀÎȸ»ýÀ̳ª °³ÀÎÆÄ»êÀ» ½ÅûÇß´ø °æ¿ì¶óµµ ¶Ç´Ù½Ã °³ÀÎȸ»ýÀýÂ÷¸¦ ½ÅûÇÒ ¼ö ÀÖ½À´Ï´Ù¸éÃ¥ ¼º°ø¿©ºÎ¿¡ µû¶ó °³º°Â÷°¡ ÀÖÀ¸´Ï »çÀü»ó´ãÀÌ ÇʼöÀÔ´Ï´Ù.

 

10.   ±Þ¿©Â÷¾Ð µî È®Á¤ÆÇ°áÀÇ °æ¿ì¿¡µµ °³ÀÎȸ»ýÀ» ½ÅûÇÒ ¼ö ÀÖ½À´Ï´Ù Stay of Proceedings

    • 乫¼Ò¼ÛÀ» ´çÇÑ °æ¿ì¼Ò¼Û ÁøÇàÁßÀΠ°æ¿ì¶Ç´Â ¼Ò¼ÛÈÄ ÆÐ¼ÒÇÏ¿© ¹ý¿øÀÇ È®Á¤ÆÇ°á (Default Judgement) ÀÌ ³»·ÁÁ® Ã¤±Ç °­Á¦ÁýÇàÀ» ÅëÇØ ¾Ð·ù°¡¾Ð·ùÀÇ ¹ý¿ø¸í·ÉÀÌ µé¾î¿Â °æ¿ì¶óµµ °³ÀÎȸ»ýÀ¸·Î ÀÌ ¸ðµç ¹ýÀûÁ¶Ä¡°¡ È¿·ÂÀ» »ó½ÇÇϰԠµË´Ï´Ù.

    • Áï±Þ¿©Â÷¾Ð (Wage Garnishment), ÀºÇà°èÁ¾зù (Frozen Bank Account), ¼ö±Ý¾Ð·ù (Garnishee Account Receivable), ±¹¼¼Ã» ÀºÇ౸Á¾зù (Requirement to Pay) µîÀÇ ¸ðµç Â÷¾Ð¾Ð·ùµîÀÇ Garnishment Order °­Á¦ÁýÇàÀº °³ÀÎȸ»ýÀýÂ÷¿Í µ¿½Ã¿¡ Áï½Ã ¹ý¿øÀÇ ±ÝÁö/ÁßÁö ¸í·É (Stay of Proceedings) ¿¡ ÀÇÇØ ¹«È¿È­ ¶Ç´Â ½ÇÈ¿µÇ¾î Áï½Ã ¸ØÃß°Ô (Stay) µË´Ï´Ù.  

 

11.  Á¦¿Ü´ë»ó

    • °³ÀÎȸ»ýÁ¦µµ´Â Ã¤¹«ÀÚÀÇ ÀÚ¹ßÀûÀΠÀǻ翡 ÀÇÇÏ¿© ÁøÇàµÇ´Â ¹ýÀûÀýÂ÷·Î¼­ ÆÄ»ê½Åû°ú´Â ´Þ¸® Ã¤±ÇÀÚÀÇ ½Åû¿¡ ÀÇÇØ °­Á¦·Î °³½ÃµÉ ¼ö ¾ø½À´Ï´Ù.

    • ¶ÇÇÑ °³ÀÎȸ»ýÀº °æÁ¦È°µ¿ÀÇ ÁÖüÀΠ°³Àο¡°Ô À־ ¼öÀÔ·ÁöÃâÀÇ ±ÕÇüÀÌ ±úÁø °æ¿ì¿¡ °æÁ¦Àû °»»ýÀ» µµ¸ðÇÏ·Á´Â ÀýÂ÷·Î¼­ ÁÖ½Äȸ»ç µî ¹ýÀÎÀº ½ÅûÇÒ ¼ö´Â ¾ø½À´Ï´Ù.

¡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      

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

 

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