{"id":28358,"date":"2026-09-22T14:00:00","date_gmt":"2026-09-22T18:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=28358"},"modified":"2026-09-22T14:00:00","modified_gmt":"2026-09-22T18:00:00","slug":"bankruptcy-success-ch7-discharge-2026-09-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/bankruptcy-success-ch7-discharge-2026-09-ko\/","title":{"rendered":"Chapter 7 \ud30c\uc0b0 \uc131\uacf5\uc0ac\ub840 \u2014 \uc790\uc601\uc5c5\uc790 \ubd80\ubd80\uc758 \uc7ac\uc815 \uc7ac\ucd9c\ubc1c (\ub274\uc800\uc9c0 \ubb34\ub2f4\ubcf4 \ucc44\ubb34 \uba74\ucc45)"},"content":{"rendered":"
\n

\ud30c\uc0b0\ubc95 \uc131\uacf5\uc0ac\ub840 \u00b7 \uc1a1\ub85c\ud38c<\/p>\n

\uc758\ub8b0\uc778 \ud504\ub85c\ud30c\uc77c<\/h2>\n

50\ub300 \ucd08\ubc18\uc758 \uc790\uc601\uc5c5\uc790 \ubd80\ubd80. \ub274\uc800\uc9c0 \ubd81\ubd80\uc5d0\uc11c \uc18c\ub9e4\uc5c5\uc744 \uc6b4\uc601\ud558\ub2e4\uac00 \ud32c\ub370\ubbf9 \uc774\ud6c4 \ub9e4\ucd9c \uae09\uac10\uc73c\ub85c \uc0ac\uc5c5\uc774 \uc815\ub9ac \uc808\ucc28\uc5d0 \ub4e4\uc5b4\uac14\uc2b5\ub2c8\ub2e4. \ubb34\ub2f4\ubcf4 \uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34\uc640 \uc0ac\uc5c5 \uad00\ub828 \uac1c\uc778\ubcf4\uc99d \ucc44\ubb34\uac00 \ud569\uccd0 \uc0c1\ub2f9\ud55c \uaddc\ubaa8\ub85c \ub204\uc801\ub418\uc5c8\uace0, \uc5ec\ub7ec \ucc44\uad8c\uc790\ub85c\ubd80\ud130 collection \uc804\ud654\uc640 wage garnishment \uc704\ud611\uc774 \uc774\uc5b4\uc9c0\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ubd80\ubd80 \uba85\uc758\uc758 \uc8fc \uac70\uc8fc\uc9c0 \uc8fc\ud0dd\uc740 \uc720\uc9c0\ud558\uace0 \uc2f6\uc5b4 \ud588\uace0, \uc790\ub140 \ub300\ud559 \uc9c4\ud559\uc744 \uc55e\ub450\uace0 \uc7ac\uc815\uc744 \uc7ac\uc815\ube44\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc0ac\uac74 \ubc30\uacbd<\/h2>\n

\ubd80\ubd80\ub294 \ucc98\uc74c\uc5d0 debt settlement \ud68c\uc0ac\ub97c \ud1b5\ud574 \ucc44\ubb34 \uc870\uc815\uc744 \uc2dc\ub3c4\ud588\uc73c\ub098, \uc6d0\uae08\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc774 \ub0a8\uc740 \uc0c1\ud0dc\uc5d0\uc11c \uc138\uae08 \ubd80\ub2f4(1099-C \uc18c\ub4dd \ucc98\ub9ac)\uae4c\uc9c0 \ubc1c\uc0dd\ud588\uc2b5\ub2c8\ub2e4. \uc774\ud6c4 \ud55c \ucc44\uad8c\uc790\uac00 \ub274\uc800\uc9c0 \ubc95\uc6d0\uc5d0 \uc18c\uc1a1\uc744 \uc81c\uae30\ud574 default judgment\ub97c \ud68d\ub4dd\ud588\uace0, \uc740\ud589 \uacc4\uc88c \uc555\ub958 \uc704\ud5d8\uae4c\uc9c0 \uc784\ubc15\ud55c \uc2dc\uc810\uc5d0 \uc1a1\ub85c\ud38c\uc5d0 \uc0c1\ub2f4\uc744 \uc694\uccad\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubc95\uc801 \uc7c1\uc810<\/h2>\n

\ud575\uc2ec \uc7c1\uc810\uc740 \uc138 \uac00\uc9c0\uc600\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, Chapter 7(\uccad\uc0b0\ud615)\uacfc Chapter 13(\uc870\uc815\ud615) \uc911 \uc5b4\ub290 \uc808\ucc28\uac00 \uc801\ud569\ud55c\uc9c0 \ud310\ub2e8. \ub458\uc9f8, means test(\uc218\ub2e8 \uc2ec\uc0ac) \ud1b5\uacfc \uac00\ub2a5\uc131 \ud655\uc778. \uc14b\uc9f8, \uc8fc \uac70\uc8fc\uc9c0 \uc8fc\ud0dd\uc758 \uc9c0\ubd84\uc744 \uc5b4\ub5bb\uac8c \ubcf4\ud638\ud560 \uac83\uc778\uc9c0. \ud2b9\ud788 \ub274\uc800\uc9c0\ub294 opt-in \ubc29\uc2dd\uc73c\ub85c \uc5f0\ubc29 exemption\uacfc \uc8fc exemption\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc5b4, \uc5b4\ub290 \ucabd\uc744 \uc120\ud0dd\ud558\ub290\ub0d0\uac00 \uc7ac\uc0b0 \ubcf4\ud638 \ubc94\uc704\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4.<\/p>\n

\uc1a1\ub85c\ud38c \ub300\uc751 \u2014 \uc804\ub7b5 3\ub2e8\uacc4<\/h2>\n

1\ub2e8\uacc4 \u00b7 \uc7ac\uc815 \uc2e4\uc0ac\uc640 Means Test \uc900\ube44<\/strong><\/p>\n

\uac00\uacc4 \uc18c\ub4dd\u00b7\uc9c0\ucd9c \uba85\uc138, \uc9c0\ub09c 6\uac1c\uc6d4 \uae09\uc5ec\uba85\uc138\uc11c, \ucc44\ubb34 \ucd1d\uc561, \uc790\uc0b0 \uba85\uc138\ub97c \uc815\ubc00 \ubd84\uc11d\ud588\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0 median income \ub300\ube44 \ubd80\ubd80 \uac00\uacc4 \uc18c\ub4dd\uc774 \ud558\ud68c\ud558\ub294 \uac83\uc744 \ud655\uc778\ud558\uace0, Chapter 7 \uc790\uaca9\uc774 \uc788\uc74c\uc744 \ud310\ub2e8\ud588\uc2b5\ub2c8\ub2e4. \uc0ac\uc5c5 \uc2e4\ud328\ub85c \uc778\ud55c \uc2e4\uc9c8 \uc18c\ub4dd \uac10\uc18c\uac00 \uba85\ud655\ud788 \ubb38\uc11c\ud654\ub41c \uc810\uc774 \ud575\uc2ec \uadfc\uac70\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n

2\ub2e8\uacc4 \u00b7 Federal Exemption \uc120\ud0dd \uc804\ub7b5<\/strong><\/p>\n

\ub274\uc800\uc9c0 \uc8fc exemption\uc740 homestead \ubcf4\ud638 \ud55c\ub3c4\uac00 \ub0ae\uc740 \ubc18\uba74, \uc5f0\ubc29 exemption(11 U.S.C. \u00a7522(d))\uc740 \uc8fc \uac70\uc8fc\uc9c0 \uc9c0\ubd84\uc5d0 \ub300\ud574 \ubd80\ubd80 \ud569\uc0b0 \uc0c1\ub2f9 \uae08\uc561\uc744 \ubcf4\ud638\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubd80\ubd80\uc758 \uc8fc\ud0dd \uc9c0\ubd84\u00b7\ucc28\ub7c9\u00b7\uac1c\uc778 \uc7ac\uc0b0\u00b7\ud1f4\uc9c1\uc5f0\uae08(ERISA-qualified)\uc744 \ubd84\uc11d\ud574 \uc5f0\ubc29 exemption \uc120\ud0dd\uc774 \ucd5c\uc801\uc784\uc744 \uacb0\uc815\ud588\uc2b5\ub2c8\ub2e4. Retirement account\ub294 \ubcc4\ub3c4 \uc644\uc804 \ubcf4\ud638(11 U.S.C. \u00a7522(b)(3)(C))\uac00 \uac00\ub2a5\ud574 \uc740\ud1f4 \uc900\ube44\uc5d0\ub3c4 \uc9c0\uc7a5\uc774 \uc5c6\ub3c4\ub85d \uc124\uacc4\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

3\ub2e8\uacc4 \u00b7 \ud30c\uc77c\ub9c1\uacfc 341 Meeting \ub300\uc751<\/strong><\/p>\n

Petition, Schedules(A\u2013J), Statement of Financial Affairs, Means Test Form, Credit Counseling Certificate \ub4f1 \ubaa8\ub4e0 \uc11c\ub958\ub97c \uc815\ud655\ud788 \uc791\uc131\ud574 \ub274\uc800\uc9c0 \ud30c\uc0b0\ubc95\uc6d0(District of New Jersey)\uc5d0 \uc811\uc218\ud588\uc2b5\ub2c8\ub2e4. \uc811\uc218 \uc989\uc2dc automatic stay(11 U.S.C. \u00a7362)\uac00 \ubc1c\ud6a8\ub418\uc5b4 \uc740\ud589 \uacc4\uc88c \uc555\ub958\u00b7\uc18c\uc1a1\u00b7collection \uc804\ud654\uac00 \ubaa8\ub450 \uc911\ub2e8\ub418\uc5c8\uc2b5\ub2c8\ub2e4. 341 meeting(\ucc44\uad8c\uc790 \ud68c\uc758)\uc5d0\uc11c \ubd80\ubd80\ub294 trustee \uc9c8\ubb38\uc5d0 \uc900\ube44\ub41c \ub2f5\ubcc0\uc73c\ub85c \uc751\ub300\ud588\uace0, \uc7ac\uc815 \uc11c\ub958\uac00 \uba85\ub8cc\ud574 \uc774\uc758 \uc5c6\uc774 \uc808\ucc28\uac00 \uc885\ub8cc\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

\ucc98\ub9ac \uacfc\uc815<\/h2>\n

\ud30c\uc77c\ub9c1 \ud6c4 \uc57d 3~4\uac1c\uc6d4\uc5d0 \uac78\uccd0 no-asset case\ub85c \uc9c4\ud589\ub418\uc5c8\uc2b5\ub2c8\ub2e4. Trustee\ub294 exempt \uc7ac\uc0b0 \uc678\uc5d0\ub294 \uccad\uc0b0 \ub300\uc0c1\uc774 \uc5c6\ub2e4\uace0 \ud310\ub2e8\ud574 \ubcc4\ub3c4 \uccad\uc0b0 \uc808\ucc28 \uc5c6\uc774 \uc885\uacb0 \ubcf4\uace0\uc11c\ub97c \uc81c\ucd9c\ud588\uc2b5\ub2c8\ub2e4. \ubd80\ubd80\ub294 60\uc77c \uc774\ub0b4\uc5d0 Financial Management Course(\uac1c\uc778\uc7ac\uc815\uad00\ub9ac \uacfc\uc815)\ub97c \uc774\uc218\ud558\uace0 \uc774\uc218\uc99d\uc744 \ubc95\uc6d0\uc5d0 \uc81c\ucd9c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

\uacb0\uacfc<\/h2>\n

\ubc95\uc6d0\uc740 \ubb34\ub2f4\ubcf4 \ucc44\ubb34 \ub300\ubd80\ubd84\uc5d0 \ub300\ud574 Discharge Order(\uba74\ucc45 \uba85\ub839)\ub97c \ubc1c\ub839\ud588\uc2b5\ub2c8\ub2e4. Default judgment, \uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34, \uc0ac\uc5c5 \uad00\ub828 \ubb34\ub2f4\ubcf4 \ucc44\ubb34\uac00 \ubaa8\ub450 discharge\ub418\uc5b4 \ubd80\ubd80\ub294 \uc7ac\uc815\uc801 \uc7ac\ucd9c\ubc1c\uc774 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc8fc \uac70\uc8fc\uc9c0 \uc8fc\ud0dd\uc740 \uadf8\ub300\ub85c \uc720\uc9c0\ud588\uace0, \ud1f4\uc9c1\uc5f0\uae08\ub3c4 \ubcf4\uc804\ub418\uc5c8\uc2b5\ub2c8\ub2e4. Wage garnishment\uc640 collection \uc804\ud654\uac00 \uc644\uc804\ud788 \uc911\ub2e8\ub418\uc5c8\uc73c\uba70, \uc138\uae08 \ubaa9\uc801\uc758 1099-C \uc18c\ub4dd \ubb38\uc81c\ub3c4 debt discharge \uc870\ud56d(IRC \u00a7108(a)(1)(A))\uc73c\ub85c \ud574\uacb0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2dc\uc0ac\uc810<\/h2>\n

\ud30c\uc0b0\uc740 \uc2e4\ud328\uac00 \uc544\ub2c8\ub77c \ubbf8\uad6d \ubc95\uc774 \uc81c\uacf5\ud558\ub294 \uc7ac\uc815 \uc7ac\ucd9c\ubc1c \ub3c4\uad6c\uc785\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c Chapter 7\uc744 \uc131\uacf5\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub824\uba74 \uc138 \uac00\uc9c0\uac00 \uc911\uc694\ud569\ub2c8\ub2e4. \uccab\uc9f8, means test \ud1b5\uacfc\ub97c \uc704\ud55c \uc815\ud655\ud55c \uc18c\ub4dd\u00b7\uc9c0\ucd9c \ubb38\uc11c\ud654. \ub458\uc9f8, \uc8fc exemption\uacfc \uc5f0\ubc29 exemption \uc911 \uc720\ub9ac\ud55c \ucabd \uc120\ud0dd. \uc14b\uc9f8, \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc7ac\uc815 \ubb38\uc11c\uc640 \uc131\uc2e4\ud55c 341 meeting \ub300\uc751. Debt settlement\uc640 \ud30c\uc0b0\uc740 \uc138\uae08\u00b7\uc2e0\uc6a9\uc810\uc218\u00b7\ubc95\uc801 \ud6a8\ub825\uc5d0\uc11c \ud06c\uac8c \ub2e4\ub974\uba70, \uc0c1\ud669\uc5d0 \ub530\ub77c \uc801\ud569\ud55c \uc120\ud0dd\uc774 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n

\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n

Q1. Chapter 7 \ud30c\uc0b0 \ud6c4 \uc2e0\uc6a9\uc810\uc218 \ud68c\ubcf5\uc740 \uc5bc\ub9c8\ub098 \uac78\ub9ac\ub098\uc694?<\/strong><\/p>\n

\uac1c\uc778 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2e4\ub974\uc9c0\ub9cc \ud1b5\uc0c1 12~24\uac1c\uc6d4 \uc548\uc5d0 \uc7ac\uad6c\ucd95 \uac00\ub2a5\ud569\ub2c8\ub2e4. Discharge \uc774\ud6c4 secured credit card, \uc18c\uc561 \ub300\ucd9c \uad00\ub9ac\ub85c \uc810\uc9c4\uc801\uc73c\ub85c \ud68c\ubcf5\ub429\ub2c8\ub2e4. Chapter 7 \uae30\ub85d\uc740 \uc2e0\uc6a9\ubcf4\uace0\uc11c\uc5d0 10\ub144 \uc720\uc9c0\ub418\uc9c0\ub9cc, \uc2e4\uc81c \ub300\ucd9c\u00b7\ubaa8\uae30\uc9c0 \uc2b9\uc778\uc740 \ud6e8\uc52c \ube68\ub9ac \uac00\ub2a5\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n

Q2. \ud30c\uc0b0 \ud6c4\uc5d0\ub3c4 \uc8fc \uac70\uc8fc\uc9c0 \uc8fc\ud0dd\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\ub098\uc694?<\/strong><\/p>\n

\uac00\ub2a5\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc5d0\uc11c \uc5f0\ubc29 exemption\uc744 \uc120\ud0dd\ud558\uba74 \uc0c1\ub2f9 \uaddc\ubaa8\uc758 homestead \uc9c0\ubd84\uc744 \ubcf4\ud638\ud560 \uc218 \uc788\uace0, \ubaa8\uae30\uc9c0\uac00 \uc788\ub2e4\uba74 reaffirmation agreement\ub85c \uc0c1\ud658\uc744 \uacc4\uc18d\ud558\ub294 \uacbd\uc6b0\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4. Case\ubcc4\ub85c \uc9c0\ubd84 \uaddc\ubaa8 \ubd84\uc11d\uc774 \uc6b0\uc120\uc785\ub2c8\ub2e4.<\/p>\n

Q3. Chapter 7\uacfc Chapter 13\uc740 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00\uc694?<\/strong><\/p>\n

Chapter 7\uc740 \ubb34\ub2f4\ubcf4 \ucc44\ubb34 \uccad\uc0b0\ud615\uc73c\ub85c 3~4\uac1c\uc6d4 \ub9cc\uc5d0 \uc885\uacb0\ub429\ub2c8\ub2e4. Chapter 13\uc740 3~5\ub144\uac04 \uc0c1\ud658 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\ub294 \uc870\uc815\ud615\uc73c\ub85c, \uc8fc\ub85c \uc18c\ub4dd\uc774 \uc788\uace0 \uc790\uc0b0\uc744 \uc9c0\ud0a4\ub824\ub294 \uacbd\uc6b0\uc5d0 \uc0ac\uc6a9\ub429\ub2c8\ub2e4. Means test \uacb0\uacfc\uc640 \uc790\uc0b0 \uad6c\uc131\uc774 \uacb0\uc815 \uc694\uc778\uc785\ub2c8\ub2e4.<\/p>\n

Q4. \uc790\uc601\uc5c5\uc790\ub3c4 \uac1c\uc778 \ud30c\uc0b0\uc774 \uac00\ub2a5\ud55c\uac00\uc694?<\/strong><\/p>\n

\uac00\ub2a5\ud569\ub2c8\ub2e4. LLC\ub098 corporation\uc758 \uc0ac\uc5c5\uccb4 \ucc44\ubb34 \uc911 \uac1c\uc778\ubcf4\uc99d(personal guarantee)\ud55c \ubd80\ubd84\uacfc \uac1c\uc778 \uce74\ub4dc\ub85c \uc0ac\uc6a9\ud55c \uc0ac\uc5c5 \uc9c0\ucd9c\uc740 \uac1c\uc778 \ud30c\uc0b0\uc5d0\uc11c \ucc98\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uc5c5\uccb4 \uc790\uccb4\uc640 \uac1c\uc778\uc740 \ubc95\uc801\uc73c\ub85c \ubd84\ub9ac\ub418\ubbc0\ub85c \uc804\ub7b5\uc801 \uc811\uadfc\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

Q5. \ud30c\uc0b0 \uc2e0\uccad \ud6c4 \ucc44\uad8c\uc790 \uc804\ud654\uac00 \uc624\uba74 \uc5b4\ub5bb\uac8c \ud558\ub098\uc694?<\/strong><\/p>\n

Automatic stay \uc704\ubc18\uc740 \uc5f0\ubc29\ubc95 \uc704\ubc18\uc73c\ub85c, \ucc44\uad8c\uc790\uc5d0\uac8c \ud30c\uc77c\ub9c1 \ubc88\ud638\uc640 \uc811\uc218 \ubc95\uc6d0\uc744 \uc54c\ub824\uc8fc\uba74 \uc989\uc2dc \uc911\ub2e8\ud574\uc57c \ud569\ub2c8\ub2e4. \uacc4\uc18d\ub41c\ub2e4\uba74 sanctions \uccad\uad6c\uac00 \uac00\ub2a5\ud558\ubbc0\ub85c \ubcc0\ud638\uc0ac\uc5d0\uac8c \uc989\uc2dc \uc54c\ub824\uc8fc\uc138\uc694.<\/p>\n

\n

SONG LAW FIRM \u00b7 \uc1a1\ub85c\ud38c<\/p>\n

\ube44\uc2b7\ud55c \ud30c\uc0b0 \uc0c1\ub2f4\uc774 \ud544\uc694\ud558\uc2ed\ub2c8\uae4c?<\/p>\n

\n\ud83d\udcde 201.461.0031<\/strong>  \u00b7  \u2709 mail@songlawfirm.com<\/a>  \u00b7  \ud83c\udf10 songlawfirm.com<\/a>
\n\ud83d\udccd Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<\/p>\n<\/div>\n

\uba74\ucc45 \uace0\uc9c0<\/strong> \u00b7 \ubcf8 \uc131\uacf5\uc0ac\ub840\ub294 \uc1a1\ub85c\ud38c\uc774 \ucc98\ub9ac\ud55c \ud30c\uc0b0 \uc0ac\uac74\uc744 \uc775\uba85\ud654\u00b7\uc77c\ubc18\ud654\ud558\uc5ec \uc7ac\uad6c\uc131\ud55c \uac83\uc785\ub2c8\ub2e4. \uc758\ub8b0\uc778 \uc2e0\uc6d0\uacfc \uc138\ubd80 \uc0ac\uc2e4\uc740 \ubcf4\ud638\ub97c \uc704\ud574 \ubcc0\uacbd\ub418\uc5c8\uc2b5\ub2c8\ub2e4. NJ Rules of Professional Conduct 7.1\uc5d0 \ub530\ub77c \uacfc\uac70 \uacb0\uacfc\uac00 \ub3d9\uc77c\ud55c \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc73c\uba70, \ud30c\uc0b0 \uc0ac\uac74 \uacb0\uacfc\ub294 \uc7ac\uc815 \uc0c1\ud669\u00b7\uc7ac\uc0b0 \uad6c\uc131\u00b7\uc815\ucc45 \ubcc0\ud654 \ub4f1\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc774 \uc790\ub8cc\uc758 \uac8c\uc7ac\ub294 \ubcc0\ud638\uc0ac\u2013\uc758\ub8b0\uc778 \uad00\uacc4\ub97c \ud615\uc131\ud558\uc9c0 \uc54a\uc73c\uba70, \uad6c\uccb4\uc801 \uc0ac\uac74\uc740 \ubc18\ub4dc\uc2dc \uc790\uaca9\uc744 \uac16\ucd98 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

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