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.getSubParameter(htInitParam,"keep","url")||this.getAttribute(elContainer,"data-keep-url")||this.getSubParameter(htInitParam,"bookmark","url")||this.getAttribute(elContainer,"data-bookmark-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl},copyurl:{display:this.getSubParameter(htInitParam,"copyurl","display")||this.getAttribute(elContainer,"data-copyurl-display")||"on",url:this.escapeTag(this.getSubParameter(htInitParam,"copyurl","url")||this.getAttribute(elContainer,"data-copyurl-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl),extra:this.getAttribute(elContainer,"data-url-extra")||""},twitter:{display:this.getSubParameter(htInitParam,"twitter","display")||this.getAttribute(elContainer,"data-twitter-display")||"on",url:this.getSubParameter(htInitParam,"twitter","url")||this.getAttribute(elContainer,"data-twitter-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"twitter","title")||this.getAttribute(elContainer,"data-twitter-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle,templateType:this.getSubParameter(htInitParam,"twitter","templateType")||this.getAttribute(elContainer,"data-twitter-template-type")||"",description:this.getSubParameter(htInitParam,"twitter","description")||this.getAttribute(elContainer,"data-twitter-description")||""},facebook:{display:this.getSubParameter(htInitParam,"facebook","display")||this.getAttribute(elContainer,"data-facebook-display")||"on",url:this.getSubParameter(htInitParam,"facebook","url")||this.getAttribute(elContainer,"data-facebook-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"facebook","title")||this.getAttribute(elContainer,"data-facebook-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle,fbAppId:this.getSubParameter(htInitParam,"facebook","fbAppId")||this.getAttribute(elContainer,"data-facebook-fbAppId")||htOption.fbAppId||"441801156302191"},band:{display:this.getSubParameter(htInitParam,"band","display")||this.getAttribute(elContainer,"data-band-display")||"on",url:this.getSubParameter(htInitParam,"band","url")||this.getAttribute(elContainer,"data-band-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"band","title")||this.getAttribute(elContainer,"data-band-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle},line:{display:this.getSubParameter(htInitParam,"line","display")||this.getAttribute(elContainer,"data-line-display")||"on",url:this.getSubParameter(htInitParam,"line","url")||this.getAttribute(elContainer,"data-line-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"line","title")||this.getAttribute(elContainer,"data-line-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle,imageUrl:this.getSubParameter(htInitParam,"line","imageUrl")||this.getAttribute(elContainer,"data-line-image-url")||this.getTagValue('meta[property="og:image"]',"content")||"",templateType:this.getSubParameter(htInitParam,"line","templateType")||this.getAttribute(elContainer,"data-line-template-type")||"",description:this.getSubParameter(htInitParam,"line","description")||this.getAttribute(elContainer,"data-line-description")||""},friend:{display:this.getSubParameter(htInitParam,"friend","display")||this.getAttribute(elContainer,"data-friend-display")||"off",url:this.getSubParameter(htInitParam,"friend","url")||this.getAttribute(elContainer,"data-friend-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"friend","title")||this.getAttribute(elContainer,"data-friend-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle,imageUrl:this.getSubParameter(htInitParam,"friend","imageUrl")||this.getAttribute(elContainer,"data-friend-image-url")||this.getTagValue('meta[property="og:image"]',"content")||"",contents:this.getSubParameter(htInitParam,"friend","contents")||this.getAttribute(elContainer,"data-friend-contents")||this.getTagValue('meta[property="og:description"]',"content")||"",buttons:this.getSubParameter(htInitParam,"friend","buttons")||this.getAttribute(elContainer,"data-friend-buttons")||"",returnUrl:this.getSubParameter(htInitParam,"friend","returnUrl")||this.getAttribute(elContainer,"data-friend-return-url")||this.getAttribute(elContainer,"data-return-url")||htInitParam.returnUrl||sDocUrl},kakaotalk:{display:this.getSubParameter(htInitParam,"kakaotalk","display")||this.getAttribute(elContainer,"data-kakaotalk-display")||"on",url:this.getSubParameter(htInitParam,"kakaotalk","url")||this.getAttribute(elContainer,"data-kakaotalk-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"kakaotalk","title")||this.getAttribute(elContainer,"data-kakaotalk-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle,imageUrl:this.getSubParameter(htInitParam,"kakaotalk","imageUrl")||this.getAttribute(elContainer,"data-kakaotalk-image-url")||this.getTagValue('meta[property="og:image"]',"content")||"",templateType:this.getSubParameter(htInitParam,"kakaotalk","templateType")||this.getAttribute(elContainer,"data-kakaotalk-template-type")||"",description:this.getSubParameter(htInitParam,"kakaotalk","description")||this.getAttribute(elContainer,"data-kakaotalk-description")||"",buttonText:this.getSubParameter(htInitParam,"kakaotalk","buttonText")||this.getAttribute(elContainer,"data-kakaotalk-button-text")||""},kakaostory:{display:this.getSubParameter(htInitParam,"kakaostory","display")||this.getAttribute(elContainer,"data-kakaostory-display")||"on",url:this.getSubParameter(htInitParam,"kakaostory","url")||this.getAttribute(elContainer,"data-kakaostory-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"kakaostory","title")||this.getAttribute(elContainer,"data-kakaostory-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle},pholar:{display:this.getSubParameter(htInitParam,"pholar","display")||this.getAttribute(elContainer,"data-pholar-display")||"on",url:this.getSubParameter(htInitParam,"pholar","url")||this.getAttribute(elContainer,"data-pholar-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"pholar","title")||this.getAttribute(elContainer,"data-pholar-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle,contents:this.getSubParameter(htInitParam,"pholar","contents")||this.getAttribute(elContainer,"data-pholar-contents")||"",returnUrl:this.getSubParameter(htInitParam,"pholar","returnUrl")||this.getAttribute(elContainer,"data-pholar-return-url")||this.getAttribute(elContainer,"data-return-url")||htInitParam.returnUrl||sDocUrl},weibo:{display:this.getSubParameter(htInitParam,"weibo","display")||this.getAttribute(elContainer,"data-weibo-display")||"off",url:this.getSubParameter(htInitParam,"weibo","url")||this.getAttribute(elContainer,"data-weibo-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"weibo","title")||this.getAttribute(elContainer,"data-weibo-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle,imageUrl:this.getSubParameter(htInitParam,"weibo","imageUrl")||this.getAttribute(elContainer,"data-weibo-image-url")||this.getTagValue('meta[property="og:image"]',"content")||""},reddit:{display:this.getSubParameter(htInitParam,"reddit","display")||this.getAttribute(elContainer,"data-reddit-display")||"off",url:this.getSubParameter(htInitParam,"reddit","url")||this.getAttribute(elContainer,"data-reddit-url")||this.getAttribute(elContainer,"data-url")||htInitParam.url||sDocUrl,title:this.getSubParameter(htInitParam,"reddit","title")||this.getAttribute(elContainer,"data-reddit-title")||this.getAttribute(elContainer,"data-title")||htInitParam.title||sDocTitle}};return this.retreiveImageSize(htParameter.kakaotalk),htParameter},retreiveImageSize:function(a){if(!a)return;var b=a.imageUrl;if(this.isNotEmpty(b)&&b.match(/^http.?:\/\//)){var c=new Image;c.src=b,c.onload=function(){a.imageWidth=c.width,a.imageHeight=c.height}}},isValidButtons:function(a){if(a.length<1)return!1;for(var b=0;b밴드에 공유, 밴드를 실행합니다.'},line:{text:"라인",tag:'라인에 공유, 라인을 실행합니다.'},blog:{text:"블로그",tag:'블로그에 공유'},post:{text:"포스트",tag:'포스트에 공유'},twitter:{text:"트위터",tag:'트위터에 공유'},kakaotalk:{text:"카카오톡",tag:'카카오톡에 공유, 카카오톡을 실행합니다.'},release:{text:"공유하기 레이어 열기",tag:'공유하기 레이어 열기'},bookmark:{text:"북마크",tag:'북마크에 저장'},keep:{text:"Keep",tag:'Keep에 저장'},copyurl:{text:"URL복사",tag:'URL복사'},cafe:{text:"카페",tag:'카페에 공유'},cafechat:{text:"카페채팅",tag:'카페채팅열기'},memo:{text:"메모",tag:'메모에 저장'},mail:{text:"메일",tag:'메일로 보내기'},calendar:{text:"일정",tag:'일정'},facebook:{text:"페이스북",tag:'페이스북에 공유'},kakaostory:{text:"카카오스토리",tag:'카카오스토리에 공유, 카카오스토리를 실행합니다.'},mypeople:{text:"마이피플",tag:'마이피플'},weibo:{text:"웨이보",tag:'웨이보에 공유'},reddit:{text:"레딧",tag:'레딧에 공유'},friend:{text:"친구",tag:'친구에 공유'}},message:{share:{"default":"공유하기",member:"멤버 초대하기"},close:"닫기",layerClose:"레이어 닫기",sourcePrefix:"출처 : ",source:"네이버",appname:"네이버",bookmark:{success:{text1:"북마크 되었습니다.",text2:"네이버 북마크에서 확인 가능합니다.",link:"북마크 목록 보기"},confirm:{text:"현재 북마크 되어 있습니다.\n북마크를 해제하시겠습니까?",text1:"현재 북마크 되어 있습니다.",text2:"북마크를 해제하시겠습니까?",btn_yes:"예",btn_no:"아니오"},error:"서버 접속이 원활하지 않습니다.\n잠시 후 다시 시도해 주십시오.",maintanance:"성능 개선을 위한 임시점검 중입니다."},keep:{success:{text1:"Keep에 저장되었습니다.",link:"목록보기",edit:"편집하기"},confirm:{text1:"이미 Keep에 저장되었습니다.",text2:"목록에서 확인하시겠습니까?",btn_yes:"Keep 목록",btn_no:"취소"},error:"서버 접속이 원활하지 않습니다.\n잠시 후 다시 시도해 주십시오.",maintanance:"성능 개선을 위한 임시점검 중입니다."},copyurl:{success:"주소가 복사되었습니다.
원하는 곳에 붙여넣기 해주세요.",web:"URL을 길게 누르시면 복사하실 수 있습니다."},friend:{error:"서버 접속이 원활하지 않습니다.\n잠시 후 다시 시도해 주십시오."},error:{only_mobile:"모바일에서 이용이 가능한 기능입니다.\n운영체제가 안드로이드, iOS인 기기에서 이용해 주세요.",maintanance:"성능 개선을 위한 임시점검 중입니다.",shorturl:"단축URL 생성오류"}}},splugin.instance={},function(){function a(b,c,d){function e(g,h){if(!c[g]){if(!b[g]){var i="function"==typeof require&&require;if(!h&&i)return i(g,!0);if(f)return f(g,!0);var j=new Error("Cannot find module '"+g+"'");throw j.code="MODULE_NOT_FOUND",j}var k=c[g]={exports:{}};b[g][0].call(k.exports,function(a){var c=b[g][1][a];return e(c||a)},k,k.exports,a,b,c,d)}return c[g].exports}for(var f="function"==typeof require&&require,g=0;g0?d:c)(a)}},function(a,b,c){a.exports=c(20)},function(a,b,c){a.exports=c(36)},function(a,b,c){"use strict",c.r(b),c.d(b,"launchApp",function(){return n}),c.d(b,"AppLauncher",function(){return l});var d=c(17),e=c.n(d),f=c(18),g=c.n(f),h=c(2),i=c.n(h),j=c(8),k=c.n(j),l=function(){function a(){var 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a,b=this.isBrowser?window.navigator.userAgent.toLowerCase():"",c=!1,d=!1,e=!1,f="";return b.match(/ipad/i)||b.match(/iphone/i)?(c=!0,a=i()(b).call(b,"os ")):i()(b).call(b,"macintosh")>-1&&"ontouchend"in document?(d=!0,a=i()(b).call(b,"version/")):b.match(/android/i)&&(e=!0,a=i()(b).call(b,"android ")),!0===c&&a>-1?f=b.substr(a+3,3).replace("_","."):!0===d&&a>-1?f=b.substr(a+8,4):!0===e&&a>-1&&(f=b.substr(a+8,3)),{ios:c,iphone:!1,ipados:d,android:e,version:f}},b._isIframeTarget=function(){if(!this.isBrowser)return!1;var a=this._deviceInfo;return 1===window.g_inapp||!!a.lgIframeTarget||!a.chrome25},b._isNaverInApp=function(){return!!this.isBrowser&&(/NAVER/.test(window.navigator.userAgent)||window.g_inapp&&1===window.g_inapp)},b._isCrosswalk=function(){return!!this.isBrowser&&/Crosswalk/.test(window.navigator.userAgent)},b._isIOS9Plus=function(){return e()(this._oAgent.version,10)>=9},b._changeLocation=function(a){top.location.href=a},a}(),m=new l,n=function(a){var 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본문 바로가기

개인회생파산 법률사무소 리드

개인회생

개인회생이란?

재정적 어려움으로 인하여 파탄에 직면하고 있는 개인채무자로서 장래 계속적으로 또는 반복하여 수입을 얻을 가능성이 있는 자에 대하여 채권자 등 이해관계인의 법률관계를 조정함으로써 채무자의 효율적 회생과 채권자의 이익을 도모하기 위하여 마련된 절차로서, 2004년 9월 23일부터 시행하게 되었습니다.

장래 계속적으로 또는 반복하여 수입을 얻을 가능성이 있는 자가 3년 내지 5년간 일정한 금액을 변제하면 나머지 채무의 면제를 받을 수 있는 절차입니다.

개인회생 신청자격

1. 빚이 재산보다 많으면 가능합니다

빚이 신용대출이든 카드론 대부업이든 상관없이 재산(부동산, 자동차, 적금, 보험 등 + 배우자 명의재산1/2 반영)보다 많다면 고려대상입니다.

다만 최소 1000만원 이상은 되어야 되고 최대 5억까지 신용빚이 가능하고, 아파트 담보 차량담보 가액은 10억원 까지도 가능합니다.

2. 직장인? 4대보험 가입안되어 있어도 수입이 통장에 찍힌다면? 가능

정기적인 수입을 얻을 가능성있는 개인이면 됩니다. 4대보험 가입여부는 따지지 않고 비정규직이든 파트타임이든 아르바이트 하시는 분이건 따지지 않습니다.

중요한건 수입이 매월 통장에 찍히는것인가? 이것이 중요합니다.

현금으로 받는 분들은 몇가지 책정해야할 것들이 더 있습니다. 문의주세요. ^^

3. 채무원금이 1000만원이 넘고 5억이하, 담보채무 10억이하 가능

신청인의 여건에 따라서 소액인 경우도 가능합니다.

하지만, 1000만원 내의 금액은 열심히 일하면 갚을수 있기 때문에 어렵다고 판단하는것일뿐이고, 많이 알려진바와 같이 무담보채무 5억이하, 담보채무 10억 이하면 신청이 가능합니다.

04. 3~5년 기간동안 변제액을 꾸준히 납입할수 있다면 가능

개인회생 개시결정(변제금 확정) 이 떨어지고 채권자 집회이후 인가결정이 떨어집니다.

이후, 정해진 3년~5년의 기간동안 평균적으로 3회 이상 변제액을 납입하지 못한다면 개인회생 폐지가 될수 있으므로 변제금 책정을 낮게 인정받아야 좋을 것입니다.

개인회생 신청절차

개인회생의 장점

◐ 이자면제 원금 탕감의 혜택이 있습니다

◐ 대출,카드,은행,사채,보증까지도 채무조정 대상에 포함됩니다.

◐ 신청과 함께 금지명령으로 채권자 추심 독촉 금지 됩니다.

◐ 아직 연체전이라도 신청이 가능해요.

◐ 신용불량자도 신청이 가능합니다.

◐ 가족에 전혀 불이익이 없고 정상적 회사생활을 할수 있습니다.

◐ 인가결정후에는 지속적인 재산증식 은행거래 가능합니다.

◐ 전문직종, 의사, 공무원 자격을 유지하면서 회생진행이 가능합니다.

블로그에 공유 카페에 공유 Keep에 저장 메모에 저장 카카오톡에 공유, 카카오톡을 실행합니다.밴드에 공유, 밴드를 실행합니다.공유하기 레이어 열기