{"id":5394,"date":"2015-08-30T20:56:44","date_gmt":"2015-08-30T20:56:44","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=5394"},"modified":"2022-09-30T20:58:29","modified_gmt":"2022-09-30T20:58:29","slug":"%ed%8c%8c%ec%82%b0-%ea%b7%b8%eb%a6%ac%ea%b3%a0-%ec%83%88%eb%a1%9c%ec%9a%b4-%ec%8b%9c%ec%9e%91","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ed%8c%8c%ec%82%b0-%ea%b7%b8%eb%a6%ac%ea%b3%a0-%ec%83%88%eb%a1%9c%ec%9a%b4-%ec%8b%9c%ec%9e%91\/","title":{"rendered":"\ud30c\uc0b0 \uadf8\ub9ac\uace0 \uc0c8\ub85c\uc6b4 \uc2dc\uc791"},"content":{"rendered":"\r\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-to-auto-accident-settlement-or-judgment-money\">\ud30c\uc0b0 \uadf8\ub9ac\uace0 \uc0c8\ub85c\uc6b4 \uc2dc\uc791<\/h2>\r\n\r\n\r\n\r\n<p>\uc548\ub155\ud558\uc138\uc694 \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc785\ub2c8\ub2e4. \uc608\uc804\uc5d0\ub294 \ud30c\uc0b0\uc2e0\uace0\ub97c \ud55c\ub2e4\ub294 \uac83\uc5d0 \ub300\ud574 \ubd80\uc815\uc801\uc778 \uc774\ubbf8\uc9c0\uac00 \uc788\uc5c8\ub358 \uac83\uc774 \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uac00\ub2a5\ud558\uba74 \ud30c\uc0b0\uc2e0\uace0\ub97c \ud558\uc9c0 \uc54a\uc73c\ub824 \ud588\uc9c0\ub9cc \ucd5c\uadfc\uc5d0\ub294 \uacbd\ud5a5\uc774 \ub9ce\uc774 \ubc14\ub00c\uc5c8\uc2b5\ub2c8\ub2e4. \ud30c\uc0b0\uc2e0\uace0\ub294 \ucc44\uad8c\uc790(creditor)\uc640\uc758 \uc870\uc815\uacfc \ud569\uc758\ub97c \ud1b5\ud558\uc5ec \ube5a\uc744 \uac1a\uac70\ub098 \ube5a\uc744 \uac1a\uc744 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\ub3c4\ub85d \ud558\uae30 \ub54c\ubb38\uc5d0 \ucc44\ubb34\uc790(debtor)\uac00 \uc0c8\ub85c\uc6b4 \uc2dc\uc791\uc774 \uac00\ub2a5\ud558\ub3c4\ub85d \ud558\ub294 \uad6c\uc81c\ucc45\uc73c\ub85c \uc778\uc2dd\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc544\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>\ud30c\uc0b0\uc740 \uc8fc\ubc95\uc774 \uc544\ub2cc \uc5f0\ubc29\ubc95\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uc8fc \ubc95\uc6d0\uc774 \uc544\ub2cc \uc5f0\ubc29 \ubc95\uc6d0\uc5d0 \uc2e0\uace0\ub97c \ud574\uc57c\ud569\ub2c8\ub2e4. \ud30c\uc0b0\uc758 \uc885\ub958\ub85c\ub294 \ud754\ud788 \ubc95\uaddc \ubc88\ud638\ub97c \uc801\uc6a9\ud558\uc5ec Chapter 7, Chapter 11\uadf8\ub9ac\uace0 Chapter 13\uc73c\ub85c \ubd88\ub9ac\ub294 \uac83\ub4e4\uc774 \uc788\uc2b5\ub2c8\ub2e4. 2014\ub144 \uc5f0\ubc29 \ud30c\uc0b0 \ubc95\uc6d0\uc758 \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74 \ub274\uc800\uc9c0\uc758 \uacbd\uc6b0, \ud55c \ud574 \ub3d9\uc548 \uc811\uc218\ub41c \ud30c\uc0b0\uac74\uc740 \uc57d 2\ub9cc 8\ucc9c\uac74 \uac00\uae4c\uc774 \ub418\uace0 \uadf8 \uc911 Chapter 7\uc774 2\ub9cc 3\ubc31\uc5ec \uac74\uc73c\ub85c \uac00\uc7a5 \ub9ce\uc740 \uac83\uc73c\ub85c \ud30c\uc545\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>\ub274\uc800\uc9c0 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ubbf8\uad6d \uc804\uc5ed\uc5d0\uc11c \uac00\uc7a5 \ud754\ud788 \uc774\uc6a9\ub418\ub294 \ud30c\uc0b0\uc2e0\uace0\ub294 Chapter 7\uc785\ub2c8\ub2e4. Chapter 7\uc740 \ucc44\ubb34\uc790\uc758 \uc7ac\uc0b0\uc744 \uc815\ub9ac\ud558\uc5ec \ucc44\uad8c\uc790\uc758 \ube5a\uc744 \uac1a\ub294 \uac83\uc774 \uc8fc\uc694 \uace8\uc790\uc785\ub2c8\ub2e4. Chapter 7\uc740 \ucc44\ubb34\uc790\uac00 \uac1c\uc778, \ud30c\ud2b8\ub108\uc27d \ud639\uc740 \ud68c\uc0ac\uc77c \ub54c \uc801\uc6a9\uc774 \uac00\ub2a5\ud558\uba70 \ucc44\ubb34\uc790\uc758 \ube5a\uc758 \uc591\uc774\ub098 \ucc44\ubb34\uc790\uac00 \ud604\uc7ac \ube5a\uc744 \uac1a\uc744 \ub2a5\ub825\uc774 \uc788\ub294\uc9c0 \uc5ec\ubd80\uc640 \uc0c1\uad00\uc5c6\uc774 \uc2e0\uccad \uac00\ub2a5\ud569\ub2c8\ub2e4. \ube5a\uc744 \uc9c0\uac8c \ub41c \ucc44\ubb34\uc790\uac00 \uac00\uc7a5 \ud798\ub4e4\uc5b4 \ud558\ub294 \uac83\uc740 \ube5a\uc744 \uac1a\ub294 \uac83 \uc790\uccb4\ubcf4\ub2e4 \uc9c0\ubd88 \ub3c5\ucd09 \uc774\ub77c\uace0 \ud569\ub2c8\ub2e4. Chapter 7\uc744 \uc2e0\uace0\ud558\uac8c \ub418\uba74 \ucc44\uad8c\uc790\ub294 \ucc44\ubb34\uc790\ub098 \ucc44\ubb34\uc790\uc758 \uc7ac\uc0b0\uc5d0 \ub300\ud574 \uc9c0\ubd88\uc7ac\ucd09 (collection actions)\uc5d0 \ud574\ub2f9\ud558\ub294 \ub300\ubd80\ubd84\uc758 \ud589\ub3d9, \uc989 \ucc44\ubb34\uc18c\uc1a1\uc744 \ud55c\ub2e4\ub4e0\uc9c0, \uc9c0\ubd88\uc744 \ube68\ub9ac \ud558\ub77c\uace0 \uc804\ud654\ub97c \ud55c\ub2e4\ub4e0\uc9c0, \uc784\uae08\uc744 \ucc28\uc555\ud558\ub294 \ud589\uc704\ub4e4\uc774 \uc911\uc9c0\ub418\uac8c \ub429\ub2c8\ub2e4.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>Chapter 7\uc758 \uacbd\uc6b0, \uc7ac\uc0b0\uacfc \ube5a\uc758 \uc885\ub958, \ud604\uc7ac \uc218\uc785\uacfc \uc9c0\ucd9c, \uc7ac\uc815\uacfc \uad00\ub828\ub41c \uacc4\uc57d\uc774\ub098 \uc784\ub300 \ub4f1 \ucc44\ubb34\uc790\uc758 \uc7ac\uc815 \uc0c1\ud0dc\uc5d0 \ub300\ud55c \uc138\uc138\ud55c \ub0b4\uc6a9\uc744 \ubaa8\ub450 \ubc95\uc6d0\uc5d0 \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4. \ucc44\ubb34\uc790 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ucc44\uad8c\uc790\ub3c4 \ubc95\uc6d0\uc5d0 \ucc44\uad8c \uad00\ub828 \uc11c\ub958\ub97c \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc5f0\ubc29 \ubc95\uc6d0\uc5d0 \ud30c\uc0b0 \uc2e0\uace0\ub97c \ud558\uace0 21\uc77c\uc5d0\uc11c 40\uc77c \uc815\ub3c4\uac00 \uc9c0\ub098\uba74 \ucc44\ubb34\uc815\ub9ac \uaddc\uc815\uc5d0 \ub530\ub77c \ubc95\uc6d0\uc774 \uc815\ud55c \uad00\ub9ac\uc778(trustee)\uac00 \ucc44\uad8c\uc790 \ubbf8\ud305\uc744 \uc18c\uc9d1\ud569\ub2c8\ub2e4. \uc774 \ub54c, \ucc44\ubb34\uc790\ub3c4 \ubbf8\ud305\uc5d0 \ucc38\uc11d\ud558\uc5ec \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud669\uacfc \uc7ac\uc0b0\uc5d0 \ub300\ud574 \ub300\ub2f5\uc744 \ud574\uc57c \ud569\ub2c8\ub2e4. \ubbf8\ud305 \uacb0\uacfc\uc5d0 \ub530\ub77c \ubc95\uc815 \uad00\ub9ac\uc778 (trustee)\ub294 \ud574\ub2f9 \ucf00\uc774\uc2a4\uac00 Chapter 7\uc758 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub294\uc9c0, \ucd94\uac00 \uc815\ubcf4 \uc694\uccad \ubc0f \uc870\uc0ac\ub97c \uc9c4\ud589\ud560\uc9c0 \ub4f1\uc744 \uacb0\uc815\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>Chapter 11\uc740 \ud55c\uad6d\uc758 \ubc95\uc815\uad00\ub9ac\uc5d0 \ud574\ub2f9\ub418\ub294 \uc81c\ub3c4\ub85c \uc77c\ubc18\uc801\uc73c\ub85c \ud68c\uc0ac\ub098 \ud30c\ud2b8\ub108\uc27d\uc774 \uc8fc\ub85c \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \ud30c\uc0b0\uc0c1\ud0dc\uc758 \uae30\uc5c5\uc774 \uc0dd\uc874\uc744 \uc704\ud574 \uc774\uc6a9\ud558\ub294 \uc81c\ub3c4\ub85c \uc9c0\uae08 \ub2f9\uc7a5\uc740 \ube5a\uc744 \uac1a\uc744 \uc218 \uc5c6\uc9c0\ub9cc \ub2f9\uc7a5\uc758 \ud30c\uc0b0\uc744 \ub9c9\uc544 \uae30\uc5c5\uc774 \ud68c\uc0dd\ud55c \ub4a4 \ube5a\uc744 \uac1a\uc744 \uc218 \uc788\uac8c \ud558\ub294 \uae34\uae09\uad6c\uc870\ub85c \ubcf4\uc2dc\uba74 \ub429\ub2c8\ub2e4. \uc2e0\uccad\uacfc \ub3d9\uc2dc\uc5d0 \ucc44\uad8c\uc790\uc758 \uad8c\ub9ac\ud589\uc0ac\uac00 \uc911\uc9c0\ub418\uba70 \ucc44\ubb34\uc790\ub294 \uacbd\uc601\uc744 \uc9c0\uc18d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc, Chapter 11\uc744 \uc2e0\uccad\ud55c \uae30\uc5c5 \uc911\uc5d0 \uc2e4\uc81c\ub85c \ube5a\uc744 \uac1a\uc744 \uc815\ub3c4\ub85c \ud68c\uc0dd\ud558\ub294 \uae30\uc5c5\uc740 \uadf8 \uc22b\uc790\uac00 \ub9e4\uc6b0 \uc801\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ubcc0\ud638\uc0ac\ub4e4\uc774\ub098 \uc0ac\uc5c5\uac00\ub4e4 \uc0ac\uc774\uc5d0\uc11c Chapter 11\uc740 \ud55c \ubc88 \ud30c\uc0b0\ud558\uace0 \uc815\ub9ac\ub418\uc5c8\uc5b4\uc57c \ud560 \uae30\uc5c5\uc744 \uc5b5\uc9c0\ub85c \uc0b4\ub824\ub450\uc5b4 \uacb0\uad6d \ub450 \ubc88 \ud30c\uc0b0\ud558\uac8c \ud55c\ub2e4\ub294 \uc758\ubbf8\uc5d0\uc11c \u201cChapter 22\u201d\ub77c\uace0 \ubd88\ub7ec\uc57c \ud558\ub294 \uac8c \uc544\ub2c8\ub0d0\ub294 \ub18d\ub2f4\uc744 \ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574, Chapter 11 \ud30c\uc0b0 \uc2b9\uc778 \uc2ec\uc0ac\ub294 \uc810\uc810 \uae4c\ub2e4\ub85c\uc6cc\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>\uc774\uc640 \uac19\uc774 \ube5a\uc744 \uc870\uc815(Reorganization)\ud558\uc5ec \uac1a\uc544\ub098\uac08 \uc218 \uc788\ub294Chapter 11\uc774 \uac1c\uc778\uc5d0\uac8c\ub3c4 \uc801\uc6a9\ub418\uc9c0\ub9cc, \ube44\uad50\uc801 \uc2dc\uac04, \uc808\ucc28, \ubc0f \ube44\uc6a9\uc5d0 \ub300\ud55c \ubd80\ub2f4\uc774 \uc0c1\ub2f9\ud558\uc5ec, \ube5a\uc744 \uc870\uc815\ud558\uc5ec \uac1a\uc544\ub098\uac08 \uc218 \uc788\ub294 \uac1c\uc778\ud68c\uc0dd\uc744 \ubaa9\uc801\uc73c\ub85c \ud30c\uc0b0\uc744 \uc2e0\uccad\ud558\uc2dc\ub294 \ubd84\ub4e4\uc740 \uc8fc\ub85c Chapter 13\uc744 \uc120\ud0dd\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. Chapter 13\uc740 \ub300\uac1c \uc77c\uc815 \uc218\uc785\uc774 \ubcf4\uc7a5\ub418\ub294 \uac1c\uc778 \uc2e0\uccad\uc790\uac00 \uc57d 3\ub144\uc5d0\uc11c 5\ub144\uac04 \uadf8 \uc218\uc785\uc73c\ub85c \ube5a\uc744 \uac1a\uc544\ub098\uac08 \uc218 \uc788\ub3c4\ub85d \ud30c\uc0b0 \ubc95\uc6d0\uc758 \uc2b9\uc778 \ubc0f \uad00\ub9ac\ub97c \ubc1b\ub3c4\ub85d \uc2e0\uccad\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>\uac1c\uc778\uc774 \ud30c\uc0b0 \uc2e0\uccad\uc744 \ud558\ub294 \uacbd\uc6b0 \ubc95\uc5d0\uc11c \uc9c0\uc815\ud55c \uc808\ucc28\uc5d0 \uc815\ud655\ud788 \ub530\ub77c\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c, \uac1c\uc778\uc758 \uacbd\uc6b0, \uc2e0\uace0\ub97c \ud558\uae30 180\uc77c \uc774\uc804 \uae30\uac04 \ub3d9\uc548 \uc9c0\uc815\ub41c \uc2e0\uc6a9\uad00\ub9ac \uae30\uad00\uc5d0\uc11c \uc2e0\uc6a9\uc0c1\ub2f4 (credit counseling)\uc744 \ubc1b\uc9c0 \uc54a\uc73c\uba74 \ud30c\uc0b0 \uc2e0\uace0\ub97c \ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uae34\uae09 \uc0c1\ud669\uc774\ub098 \uc678\uc9c4 \uc9c0\uc5ed\uc73c\ub85c \uc9c0\uc815\ub41c \uc2e0\uc6a9\uad00\ub9ac\uae30\uad00 \uc790\uccb4\uac00 \uadfc\ucc98\uc5d0 \uc5c6\ub294 \uacbd\uc6b0\uc5d0\ub294 \uadf8\ub7ec\ud55c \uc870\uac74\ub4e4\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc73c\ub098 \ub274\uc695\uc774\ub098 \ub274\uc800\uc9c0 \uc9c0\uc5ed\uc758 \uacbd\uc6b0 \uadf8\ub7ec\ud55c \uc608\uc678\uac00 \uc801\uc6a9\ub418\uae30\ub294 \ud798\ub4ed\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uc911\uc7a5\uae30\uc758 \uacc4\ud68d\uc744 \uc138\uc6cc \ud30c\uc0b0\uc2e0\uace0\uc808\ucc28\ub97c \uc9c4\ud589\ud558\ub294 \uac83\uc774 \uc9c4\uc815\ud55c \u201c\uc0c8\ub85c\uc6b4 \uc2dc\uc791\u201d\uc744 \ud558\ub294 \ud604\uba85\ud55c \uc120\ud0dd\uc774\ub77c\uace0 \ud560 \uc218 \uc788\uaca0\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ud30c\uc0b0\ubc95\uc758 \uacbd\uc6b0, Chapter 7, 11, 13\ub4f1 \uc885\ub958\uc5d0 \ub530\ub77c \uc870\uac74\ub4e4\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \uc5b4\ub5a4 \ubc29\uc2dd\uc774 \ucc44\ubb34\uc790\uc778 \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \uac00\uc7a5 \uc801\ud569\ud55c\uc9c0 \uc804\ub7b5\uc801\uc73c\ub85c \uacb0\uc815\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>\ud30c\uc0b0 \uad00\ub828 \ucd94\uac00 \ubb38\uc758\uc0ac\ud56d\uc774 \uc788\uc73c\uc2dc\uac70\ub098, \ub3c5\uc790 \ubd84\ub4e4\uaed8\uc11c \uc54c\uace0 \uc2f6\uc73c\uc2e0 \ubc95\ub960\uc774 \uc788\uc73c\uba74 \uc8fc\uc800 \ub9c8\uc2dc\uace0 mail@songlawfirm.com \ub85c \ubb38\uc758\ud574\uc8fc\uc138\uc694. \ub2e4\uc74c\uc5d0 \uc4f8 \uce7c\ub7fc\uc5d0 \ubc18\uc601\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>*****<\/p>\r\n<p>\uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc740 \ud30c\uc0b0\uc758 \uac00\ub2a5\uc131\uc5d0 \ub300\ud574 \ubb34\ub8cc\ub85c \ud3c9\uac00\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\r\n<p>\ud574\ub2f9 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud558\uc2dc\uace0\uc790 \ud558\ub294 \ubd84\ub4e4\uaed8\uc11c\ub294 mail@songlawfirm.com \uc73c\ub85c \uc5f0\ub77d\uc8fc\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \ubcf8 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uc785\uc218\ub41c \uac1c\uc778\uc815\ubcf4\ub294 \ucca0\uc800\ud788 \ube44\ubc00\ub85c \uc720\uc9c0\ub429\ub2c8\ub2e4.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>\ud30c\uc0b0 \uadf8\ub9ac\uace0 \uc0c8\ub85c\uc6b4 \uc2dc\uc791 \uc548\ub155\ud558\uc138\uc694 \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc785\ub2c8\ub2e4. \uc608\uc804\uc5d0\ub294 \ud30c\uc0b0\uc2e0\uace0\ub97c \ud55c\ub2e4\ub294 \uac83\uc5d0 \ub300\ud574 \ubd80\uc815\uc801\uc778 \uc774\ubbf8\uc9c0\uac00 \uc788\uc5c8\ub358 \uac83\uc774 \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uac00\ub2a5\ud558\uba74 \ud30c\uc0b0\uc2e0\uace0\ub97c \ud558\uc9c0 \uc54a\uc73c\ub824 \ud588\uc9c0\ub9cc \ucd5c\uadfc\uc5d0\ub294 \uacbd\ud5a5\uc774 \ub9ce\uc774 \ubc14\ub00c\uc5c8\uc2b5\ub2c8\ub2e4. \ud30c\uc0b0\uc2e0\uace0\ub294 \ucc44\uad8c\uc790(creditor)\uc640\uc758 \uc870\uc815\uacfc 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