{"id":6802,"date":"2019-11-01T17:15:00","date_gmt":"2019-11-01T21:15:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=6802"},"modified":"2022-12-09T12:53:23","modified_gmt":"2022-12-09T17:53:23","slug":"%ed%8c%8c%ec%82%b0%ed%95%98%eb%a9%b4-%ec%a0%9c-%ec%9e%90%eb%8f%99%ec%b0%a8%eb%8a%94-%ec%96%b4%eb%96%bb%ea%b2%8c-%eb%90%98%ec%a3%a0-2","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ed%8c%8c%ec%82%b0%ed%95%98%eb%a9%b4-%ec%a0%9c-%ec%9e%90%eb%8f%99%ec%b0%a8%eb%8a%94-%ec%96%b4%eb%96%bb%ea%b2%8c-%eb%90%98%ec%a3%a0-2\/","title":{"rendered":"\ud30c\uc0b0\ud558\uba74 \uc81c \uc790\ub3d9\ucc28\ub294 \uc5b4\ub5bb\uac8c \ub418\uc8e0?"},"content":{"rendered":"\r\n<h2 class=\"wp-block-heading\" id=\"h-\ud30c\uc0b0\uacfc-\uc790\ub3d9\ucc28\">\ud30c\uc0b0\uacfc \uc790\ub3d9\ucc28<\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image alignleft size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"719\" height=\"480\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/08\/\uad50\ud1b5\uc0ac\uace0-\ubcc0\ud638\uc0ac-\uc0ac\uace0\uc0c1\ud574-\uc18c\ud615.jpg\" alt=\"\" class=\"wp-image-4201\" srcset=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/08\/\uad50\ud1b5\uc0ac\uace0-\ubcc0\ud638\uc0ac-\uc0ac\uace0\uc0c1\ud574-\uc18c\ud615.jpg 719w, https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/08\/\uad50\ud1b5\uc0ac\uace0-\ubcc0\ud638\uc0ac-\uc0ac\uace0\uc0c1\ud574-\uc18c\ud615-300x200.jpg 300w\" sizes=\"(max-width: 719px) 100vw, 719px\" \/><figcaption>The woman speaks on a cell phone. Traffic accident with a car, broken off side rear-view mirror. Driver calls the insurance company. Transport damage at parking. Crashed after collision or vandalism.<\/figcaption><\/figure>\r\n\r\n\r\n\r\n<p>\ud30c\uc0b0\uc740 \ub204\uad70\uac00\uc5d0\uac8c\ub294 \uc0c8 \ucd9c\ubc1c\uc758 \uae30\ud68c\uc785\ub2c8\ub2e4. \ud754\ud788 \ub4e3\ub294 \ub9d0\uc774\uc9c0\ub9cc \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \uc0ac\uc5c5\uc744 \ud558\ub2e4\uac00, \ubcf4\uc99d\uc744 \uc11c\uc92c\ub2e4\uac00, \uc608\uc0c1\uce58 \ubabb\ud55c \uce74\ub4dc\ube5a \ub54c\ubb38\uc5d0 \ubcf8\uc778\uc774 \uac10\ub2f9\ud560 \uc218 \uc5c6\ub294 \ube5a\uc744 \ub5a0\uc548\uac8c \ub418\ub294 \uacbd\uc6b0, \ub204\uad70\uac00\uc5d0\uac8c\ub294 \ub4dc\ub77c\ub9c8 \uc18d\uc758 \uc774\uc57c\uae30 \uac19\uc9c0\ub9cc, \ub204\uad70\uac00\uc5d0\uac8c\ub294 \ud604\uc2e4\uc785\ub2c8\ub2e4. \uac10\ub2f9\ud560 \uc218 \uc5c6\ub294 \ube5a\uc740 \ub5a0\uc548\uace0 \uc788\uc744 \uc774\uc720\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ubd88\uc5b4\ub098\ub294 \uc774\uc790\uc640 \uc5f0\uccb4\ub8cc\uc870\ucc28 \uac10\ub2f9\ud560 \uc218 \uc5c6\uac8c \ub429\ub2c8\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc744 \uad6c\uc81c\ud558\uae30 \uc704\ud574 \uc874\uc7ac\ud558\ub294 \uc81c\ub3c4\uac00 \ud30c\uc0b0\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ub300\ubd80\ubd84\uc758 \ucc44\ubb34\ub97c \ud0d5\uac10\ud574 \uc8fc\ub294 Chapter 7 \ud30c\uc0b0\uc740 \ub9ce\uc740 \uc774\uc5d0\uac8c \uc0c8 \ucd9c\ubc1c\uc758 \uae30\ud68c\ub97c \uc90d\ub2c8\ub2e4.<\/p>\r\n\r\n\r\n\r\n<p>\uadf8\ub7ec\ub098 \ub9ce\uc740 \uc0ac\ub78c\uc774 Chapter 7 \ud30c\uc0b0\uc744 \ud558\uba74 \ube5a\ub3c4 \ud0d5\uac10\ub418\uc9c0\ub9cc, \uc7ac\uc0b0\ub3c4 \ubab0\uc218\ub41c\ub2e4\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4. \ubc18\uc740 \ub9de\uace0 \ubc18\uc740 \ud2c0\ub9b0 \ub9d0\uc785\ub2c8\ub2e4. \ud30c\uc0b0\uc744 \uc9c4\ud589\ud558\uba74 \ud30c\uc0b0 \uc9d1\ud589\uc778 (bankruptcy trustee) \uc740 \uba3c\uc800 \ud30c\uc0b0\uc2e0\uccad\uc790\uc758 \uc7ac\uc0b0\ubaa9\ub85d\uc744 \uac80\ud1a0\ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc7ac\uc0b0 \uc911\uc5d0 \ub2f4\ubcf4\ub85c \uc7a1\ud600\uc788\uc9c0 \uc54a\uc740 \uc7ac\uc0b0\uc740 \ucc98\ubd84\ud574\uc11c \uadf8 \ud310\ub9e4\uae08\uc744 \ube5a \uac1a\ub294 \ub370 \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubaa8\ub4e0 \uc7ac\uc0b0\uc774 \ucc98\ubd84\ub300\uc0c1\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ud30c\uc0b0 \uc774\ud6c4\uc5d0\ub3c4 \uae30\ubcf8\uc801\uc778 \uc0dd\ud65c\uc740 \uc601\uc704\ud560 \uc218 \uc788\ub3c4\ub85d, \uc0dd\ud65c\uc5d0 \ud544\uc694\ud55c \uae30\ubcf8\uc7ac\uc0b0\uc740 \ucc98\ubd84\ub300\uc0c1\uc5d0\uc11c \uba74\uc81c (exempt) \ud574 \uc90d\ub2c8\ub2e4.<\/p>\r\n\r\n\r\n\r\n<p>\ud30c\uc0b0\uc744 \uace0\ub824\ud558\uc2dc\ub294 \ub9ce\uc740 \ubd84\uc774 \uad81\uae08\ud574\ud558\uc2dc\ub294 \uc790\ub3d9\ucc28\ub97c \uc608\ub97c \ub4e4\uc5b4 \uba74\uc81c\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc5f0\ubc29\uc815\ubd80\uc640 \uac01 \uc8fc\uc815\ubd80\ub294 \uae30\ubcf8\uc0dd\ud65c\uc5d0 \ud544\uc694\ud55c \ud56d\ubaa9\ub4e4\uc744 \uc815\ud574\uc11c \uac01 \ud56d\ubaa9\ubcc4\ub85c \uba74\uc81c\uae08\uc561\uc744 \uc815\ud574\ub1a8\uc2b5\ub2c8\ub2e4. \uc5f0\ubc29\uc815\ubd80\uc758 \uba74\uc81c\ud61c\ud0dd\uc744 \ubc1b\uc744\uc9c0, \uc8fc\uc815\ubd80\uc758 \uba74\uc81c\ud61c\ud0dd\uc744 \ubc1b\uc744\uc9c0\ub294 \uc790\uc2e0\uc774 \ucc98\ud55c \uc0c1\ud669\uc5d0 \ub530\ub77c \ub354 \uc720\ub9ac\ud55c \uac83\uc744 \uc120\ud0dd\ud558\uba74 \ub429\ub2c8\ub2e4. \ub274\uc695\uc8fc\ub97c \uc608\ub97c \ub4e4\uc5b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ub274\uc695\uc8fc\uc758 \uacbd\uc6b0 \uc790\ub3d9\ucc28 \uba74\uc81c\uae08\uc561\uc774 $4,550\uc785\ub2c8\ub2e4. \uc5f0\ubc29\uc815\ubd80\uc758 \uc790\ub3d9\ucc28 \uba74\uc81c\uae08\uc561\uc740 $3,775 \uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uc774 \uacbd\uc6b0\uc5d0\ub294 \ub274\uc695\uc8fc\uc758 \uba74\uc81c\ud61c\ud0dd\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\r\n\r\n\r\n\r\n<p>\uc790\ub3d9\ucc28 \uba74\uc81c\ud61c\ud0dd\uc758 \uc801\uc6a9\uc740 \ud560\ubd80\uae08\uc774 \ub0a8\uc544\uc788\ub294\uc9c0 \uc5ec\ubd80\uc5d0 \ub530\ub77c \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \uc790\ub3d9\ucc28 \ud560\ubd80\uae08\uc774 \ub0a8\uc544\uc788\uc9c0 \uc54a\uc740 \uc0c1\ud669\uc774\uba74 \uacc4\uc0b0\uc774 \uc27d\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub0b4 \uc790\ub3d9\ucc28\uc758 \uac00\uce58\uac00 $4,550 \ubcf4\ub2e4 \ub0ae\uc73c\uba74 \ud30c\uc0b0\uc744 \ud558\ub354\ub77c\ub3c4 \uc790\ub3d9\ucc28\ub294 \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\r\n\r\n\r\n\r\n<p>\ub9cc\uc57d \uc790\ub3d9\ucc28\uc758 \uac00\uce58\uac00 $4,550 \ubcf4\ub2e4 \ub192\ub354\ub77c\ub3c4 \ubc29\ubc95\uc740 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\ub85c \uc640\uc77c\ub4dc\uce74\ub4dc \uba74\uc81c\uad8c\uc785\ub2c8\ub2e4. \uc640\uc77c\ub4dc\uce74\ub4dc \uba74\uc81c\uad8c\uc774\ub780 \ub0b4\uac00 \uc6d0\ud558\ub294 \ud56d\ubaa9\uc5d0 \ub0b4 \uc784\uc758\ub300\ub85c \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \uba74\uc81c\uad8c\uc785\ub2c8\ub2e4. \uc77c\uc885\uc758 \uc870\ucee4\uac19\uc740 \uba74\uc81c\uad8c\uc785\ub2c8\ub2e4. \ub274\uc695\uc8fc\uc5d0\uc11c\ub294 \uacbd\uc6b0\uc5d0\ub530\ub77c $1,150 \uae4c\uc9c0 \uc640\uc77c\ub4dc \uce74\ub4dc \uba74\uc81c\uad8c\uc774 \uc8fc\uc5b4\uc9d1\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uc640\uc77c\ub4dc\uce74\ub4dc \uba74\uc81c\uad8c \uc804\ubd80\ub97c \uc790\ub3d9\ucc28 \uba74\uc81c\ub97c \uc704\ud574 \uc0ac\uc6a9\ud558\uba74 $5,700 \uac00\uce58\uae4c\uc9c0\uc758 \uc790\ub3d9\ucc28\ub294 \uc9c0\ud0ac \uc218 \uc788\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\r\n\r\n\r\n\r\n<p>\uadf8\ub7ec\ub098 \uc790\ub3d9\ucc28\uc5d0 \ud560\ubd80\uae08\uc774 \ub0a8\uc544\uc788\ub2e4\uba74 \uc0c1\ud669\uc740 \uc870\uae08 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ud560\ubd80\uae08\uc774 \ub0a8\uc544\uc788\ub294 \uc0c1\ud669\uc5d0\uc11c \ud30c\uc0b0 \ud6c4\uc5d0\ub3c4 \uc790\ub3d9\ucc28\ub97c \uc720\uc9c0\ud558\uace0 \uc2f6\ub2e4\uba74 \uba3c\uc800 \ubc00\ub9b0 \ud560\ubd80\uae08\uc774 \uc5c6\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \ub300\ucd9c \uae30\uad00\uc758 \ub3d9\uc758\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ubc00\ub9b0 \ud560\ubd80\uae08\uc774 \uc5c6\uace0 \ub300\ucd9c \uae30\uad00\ub3c4 \ub3d9\uc758\ud588\ub2e4\uba74, \uc7ac\ud655\uc778 \uacc4\uc57d\uc11c (reaffirmation agreement) \ub97c \uc11c\uba85\ud558\uac8c \ub429\ub2c8\ub2e4. \uadf8\ub807\uac8c \ub418\uba74, \ud30c\uc0b0 \uc774\ud6c4\uc5d0\ub3c4 \ud560\ubd80\uae08\uc744 \uacc4\uc18d \uac1a\uc544\ub098\uac00\uba74\uc11c \uc790\ub3d9\ucc28\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\uac8c\ub429\ub2c8\ub2e4. \ud30c\uc0b0\uc9c1\ud6c4\uc5d0\ub294 \uc0c8\ub85c\uc6b4 \ub300\ucd9c\uc744 \uc5bb\uae30\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \uc5b4\ub835\uae30 \ub54c\ubb38\uc5d0 \uc790\ub3d9\ucc28\ub97c \uacc4\uc18d \uc0ac\uc6a9\ud558\uc154\uc57c\ud558\ub294 \ubd84\uc740 \uc774 \ubc29\ubc95\uc744 \ud1b5\ud574 \uc790\ub3d9\ucc28\ub97c \uc720\uc9c0\ud558\ub294 \uac8c \ud6a8\uc728\uc801\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\r\n\r\n\r\n\r\n<p>\uc774\ucc98\ub7fc \ud30c\uc0b0\uc758 \ubaa9\uc801\uc740 \uad6c\uc81c\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud30c\uc0b0\ub3c4 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c Chapter 7\uc744 \uc2e0\uccad\ud558\ub294 \ubd84\uc758 \uac70\uc758 \ubaa8\ub4e0 \uc7ac\uc0b0\uc774 \uba74\uc81c\ub300\uc0c1\uc5d0 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ub2e4\uc2dc \ub9d0\ud574\uc11c, \ud30c\uc0b0\uc744 \ud558\ub354\ub77c\ub3c4 \ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\uc774 \uc790\uc2e0\uc758 \uc7ac\uc0b0\uc744 \uc720\uc9c0\ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \ud30c\uc0b0\uc744 \ud1b5\ud574 \uc0c8 \ucd9c\ubc1c\uc744 \uc0dd\uac01\ud558\uc2dc\ub294 \ubd84\uc740 \ud558\ub8e8\ub77c\ub3c4 \ube68\ub9ac \ud30c\uc0b0\uc804\ubb38 \ubcc0\ud638\uc0ac\uc640 \uc0c1\ub2f4\ud574 \ubcf4\uc2dc\uae30\ub97c \uc801\uadf9\uc801\uc73c\ub85c \uad8c\uc720\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\r\n\r\n\r\n\r\n<p>\uce7c\ub7fc \ub0b4\uc6a9\uc5d0 \ub300\ud55c \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\ud558\uc9c0 \ub9c8\uc2dc\uace0 mail@songlawfirm.com\uc73c\ub85c \ubb38\uc758\ud574\uc8fc\uc138\uc694.<\/p>\r\n\r\n\r\n\r\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\r\n\r\n\r\n\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\r\n\r\n\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.\ufeff<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>\ud30c\uc0b0\uacfc \uc790\ub3d9\ucc28 \ud30c\uc0b0\uc740 \ub204\uad70\uac00\uc5d0\uac8c\ub294 \uc0c8 \ucd9c\ubc1c\uc758 \uae30\ud68c\uc785\ub2c8\ub2e4. \ud754\ud788 \ub4e3\ub294 \ub9d0\uc774\uc9c0\ub9cc \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \uc0ac\uc5c5\uc744 \ud558\ub2e4\uac00, \ubcf4\uc99d\uc744 \uc11c\uc92c\ub2e4\uac00, \uc608\uc0c1\uce58 \ubabb\ud55c \uce74\ub4dc\ube5a \ub54c\ubb38\uc5d0 \ubcf8\uc778\uc774 \uac10\ub2f9\ud560 \uc218 \uc5c6\ub294 \ube5a\uc744 \ub5a0\uc548\uac8c \ub418\ub294 \uacbd\uc6b0, \ub204\uad70\uac00\uc5d0\uac8c\ub294 \ub4dc\ub77c\ub9c8 \uc18d\uc758 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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