{"id":6804,"date":"2017-08-17T17:16:00","date_gmt":"2017-08-17T17:16:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=6804"},"modified":"2022-10-17T17:17:59","modified_gmt":"2022-10-17T17:17:59","slug":"%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0-%ed%9b%84-%ed%8c%8c%ec%82%b0-%ed%8c%8c%ec%82%b0%ed%95%98%eb%a9%b4-%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0%eb%a1%9c-%eb%b0%9b%ec%9d%80-%eb%b3%b4%ec%83%81%ea%b8%88-2","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0-%ed%9b%84-%ed%8c%8c%ec%82%b0-%ed%8c%8c%ec%82%b0%ed%95%98%eb%a9%b4-%ea%b5%90%ed%86%b5%ec%82%ac%ea%b3%a0%eb%a1%9c-%eb%b0%9b%ec%9d%80-%eb%b3%b4%ec%83%81%ea%b8%88-2\/","title":{"rendered":"\uad50\ud1b5\uc0ac\uace0 \ud6c4 \ud30c\uc0b0, \ud30c\uc0b0\ud558\uba74 \uad50\ud1b5\uc0ac\uace0\ub85c \ubc1b\uc740 \ubcf4\uc0c1\uae08\uc740 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-\uad50\ud1b5\uc0ac\uace0-\ud6c4-\ud30c\uc0b0-\ud30c\uc0b0\ud558\uba74-\uad50\ud1b5\uc0ac\uace0\ub85c-\ubc1b\uc740-\ubcf4\uc0c1\uae08\uc740-\uc5b4\ub5bb\uac8c-\ub418\ub098\uc694\">\uad50\ud1b5\uc0ac\uace0 \ud6c4 \ud30c\uc0b0, \ud30c\uc0b0\ud558\uba74 \uad50\ud1b5\uc0ac\uace0\ub85c \ubc1b\uc740 \ubcf4\uc0c1\uae08\uc740 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/h2>\n\n\n\n<figure class=\"wp-block-image alignleft size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"550\" height=\"429\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/10\/broke2.png\" alt=\"\" class=\"wp-image-6769\" srcset=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/10\/broke2.png 550w, https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/10\/broke2-300x234.png 300w\" sizes=\"(max-width: 550px) 100vw, 550px\" \/><\/figure>\n\n\n\n<p>\u201c\uc5ce\uce5c\ub370 \ub36e\uce5c\uaca9\u201d\uc73c\ub85c \uacbd\uc81c\uc801\uc73c\ub85c \ud798\ub4e4\uc5b4 \ud30c\uc0b0\uc744 \uace0\ubbfc\ud558\ub358 \uc0ac\ub78c\uc774 \uad50\ud1b5\uc0ac\uace0\uae4c\uc9c0 \ub2f9\ud558\uac8c \ub418\uba74 \ud070 \uc88c\uc808\uac10\uc744 \ub9db\ubcf4\uac8c \ub429\ub2c8\ub2e4. \ub354\uad6c\ub098 \uad50\ud1b5\uc0ac\uace0\ub85c \ubc1b\uc740 \ud569\uc758\uae08\uae4c\uc9c0 \ubaa8\ub450 \ud30c\uc0b0 \uad00\ub9ac\uc778\uc5d0 \uc758\ud574 \ucc44\uad8c\uc790\uc5d0\uac8c \ub098\ub204\uc5b4\uc9c0\uac8c \ub420 \uac83\uc774\ub77c\ub294 \uc774\uc57c\uae30\ub97c \ub4e4\uc73c\uba74 \ud30c\uc0b0 \uace0\uac1d\ub4e4\uc740 \ub9d0\ub85c \ud615\uc6a9\ud560 \uc218 \uc5c6\ub294 \uc808\ub9dd\uac10\uc744 \ub290\ub07c\uac8c \ub429\ub2c8\ub2e4. \ud558\uc9c0\ub9cc, \ud30c\uc0b0\uc744 \ud55c\ub2e4\uace0 \ud558\uc5ec \uad50\ud1b5\uc0ac\uace0\ub85c \ubc1b\uc740 \ud569\uc758\uae08\uc774 \ubb34\uc870\uac74 \ud30c\uc0b0 \uad00\ub9ac\uc778\uc5d0\uac8c \ub118\uc5b4\uac00\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud30c\uc0b0\ubc95\uc5d0\uc11c \uc790\ub3d9\ucc28 \uc0ac\uace0\uac00 \ub0ac\ub2e4\ub294 \uc0ac\uc2e4\uc740 \uc9d1, \ucc28, \uac00\uad6c\ub4e4\uacfc \uac19\uc774 \uac1c\uc778 \uc790\uc0b0\uc73c\ub85c \ubcf4\uace0 \uc9d1\uc774\ub098 \uc790\ub3d9\ucc28\uac00 \uc77c\uc815 \uae08\uc561\uae4c\uc9c0 \ubcf4\uc874\ub418\ub4ef\uc774 \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubcf4\uc0c1\uae08\ub3c4 \uc77c\uc815 \uae08\uc561\uae4c\uc9c0 \ubc95\uc73c\ub85c \ubcf4\uc874\uc744 \ud574 \uc90d\ub2c8\ub2e4. \ud604\uc7ac \ud30c\uc0b0\ubc95\uc73c\ub85c\ub294 \uad50\ud1b5\uc0ac\uace0\ub85c \uc778\ud55c \ubcf4\uc0c1\uae08\uc740 $23,675\uae4c\uc9c0 \ubcf4\uc874\ud558\ub3c4\ub85d \ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc22b\uc790\ub294 \ubb3c\ub860 \ubd80\ubd80\uac00 \ud568\uaed8 \uad50\ud1b5\uc0ac\uace0\ub97c \ub2f9\ud588\uace0 \ud568\uaed8 \ud30c\uc0b0\uc2e0\uccad\uc744 \ud55c\ub2e4\uba74 \ub450 \ubc30\uc778 $47,350\uae4c\uc9c0 \uc0c1\ud5a5 \uc870\uc815 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud30c\uc0b0 \uc2dc \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubcf4\uc0c1\uae08\uc5d0 \ub300\ud55c \uae30\uc900\uc774 \ubaa8\ub4e0 \uacbd\uc6b0 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9\ub418\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubd80\ubd80 \uc911 \ud55c \uba85\uc774 \uc0ac\uace0\ub97c \ub2f9\ud588\uc9c0\ub9cc \ubd80\ubd80\uac00 \ud568\uaed8 \ud30c\uc0b0\uc2e0\uccad\uc744 \ud558\ubbc0\ub85c \ubcf4\uc874 \uae08\uc561\uc774 $47,350\uc774 \ub418\uc5b4\uc57c \ud55c\ub2e4\uace0 \uc8fc\uc7a5\ud558\ub294 \uace0\uac1d\ub4e4\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc, \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubcf4\uc0c1\uae08\uc740 \uc0ac\uace0\uc5d0 \uc5f0\ub8e8\ub41c \uc0ac\ub78c\uc758 \uac1c\uc778 \uc790\uc0b0\uc73c\ub85c \ubcf4\uae30 \ub54c\ubb38\uc5d0 \ubd80\ubd80\uac00 \ud568\uaed8 \ud30c\uc0b0 \uc2e0\uccad\uc744 \ud55c\ub2e4\uace0 \ud574\ub3c4 \uc0ac\uace0\uac00 \ub09c \uc0ac\ub78c\uc774 \ud55c \uba85\uc778 \uacbd\uc6b0 \ubcf4\uc874\uc561\uc740 $23,675\uc785\ub2c8\ub2e4. \ub610\ud55c, \ud30c\uc0b0 \uc2e0\uccad\uc744 \ud588\uc73c\ub2c8 \uc790\ub3d9\ucc28 \uc0ac\uace0\ub85c \uc778\ud55c \ubcd1\uc6d0\ube44\ub3c4 \ub2e4 \uccad\uc0b0\ub418\ub294 \uac83\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uc2dc\ub294 \ubd84\ub4e4\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc548\ud0c0\uae5d\uac8c\ub3c4 \uad50\ud1b5\uc0ac\uace0 \ud6c4 \ubd80\uc0c1\uc73c\ub85c \ubcd1\uc6d0\uc5d0\uc11c \uce58\ub8cc\ub97c \ubc1b\uc558\uace0 \ubcd1\uc6d0\uc774 \ubcf4\uc0c1\uae08\uc5d0 \ub9ac\uc5d4(LIEN)\uc774\ub77c\uace0 \ud558\ub294 \ub2f4\ubcf4\uad8c\uc744 \uac78\uc5b4 \ub193\uc740 \uacbd\uc6b0\uc5d0\ub294 \ud30c\uc0b0\uc744 \ud55c\ub2e4\uace0 \ud558\uc5ec \ubcd1\uc6d0\ube44\uac00 \uccad\uc0b0\ub418\uc9c0 \uc54a\uc73c\uba70 \ubcf4\uc0c1\uae08\uc744 \ubc1b\uc73c\uba74 \ubcf4\uc0c1\uae08\uc5d0\uc11c \uc9c0\ubd88\ud558\uac8c \ub429\ub2c8\ub2e4. \ub2e8, \uad50\ud1b5\uc0ac\uace0 \ubcc0\ud638\uc0ac\uac00 \ubc1b\uac8c \ub418\ub294 \ubc30\ubd84\uae08\uc740 \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubcf4\uc0c1\uae08 \ubcf4\uc874\uc561\uc5d0\uc11c \uc81c\uc678\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubab8\ub3c4 \ub2e4\uce58\uace0 \ub9c8\uc74c\ub3c4 \ub2e4\ucce4\ub294\ub370 \ucd5c\ub300\ub85c \ubcf4\uc874\ub418\ub294 \uae08\uc561\uc774 $23,675\uc815\ub3c4\ub77c\uace0 \ud558\uba74 \ub108\ubb34 \uc801\ub2e4\uace0 \uc0dd\uac01\ud558\uc2dc\ub294 \ubd84\ub4e4\uc774 \ubd84\uba85 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud30c\uc0b0 \ubcc0\ud638\uc0ac\ub294 \uc774 \uae08\uc561\uc744 \ud30c\uc0b0\ubc95\uc774 \uc815\ud55c \ud55c\ub3c4\ubcf4\ub2e4 \ub192\ud790 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc800\ud76c \ud30c\uc0b0\ubcc0\ud638\uc0ac\ub4e4\uc740 \uc774\ub97c \u201cWild Card (\uc640\uc77c\ub4dc \uce74\ub4dc, \uc790\uc720\ud328)\u201d\ub97c \uc4f4\ub2e4\uace0 \ud45c\ud604\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd5c\uadfc \uc800\ud76c\uac00 \uc9c4\ud589\ud55c \ucf00\uc774\uc2a4\uc5d0\uc11c \uace0\uac1d\uc740 \uc9d1\uc744 \uc18c\uc720\ud558\uace0 \uc788\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \uc5f0\ubc29 \ud30c\uc0b0\ubc95\uc5d0\uc11c\ub294 \uc9d1\uc744 \uc18c\uc720\ud558\uace0 \uc788\ub294 \uacbd\uc6b0 \uc9d1\uc758 \uac00\uce58 \uc911 \uc77c\ubd80\ub97c \ubcf4\uc874\ud560 \uc218 \uc788\uac8c \ubcf4\uc7a5\ud574\uc90d\ub2c8\ub2e4. \uc9d1\uc774 \uc5c6\uc5c8\uae30 \ub54c\ubb38\uc5d0 \uc6d0\ub798\ub294 \uc9d1\uc5d0 \ubcf4\uc874\ud574\uc8fc\ub294 \uac00\uce58\ub97c \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubcf4\uc0c1\uae08\uc5d0 \uc801\uc6a9\ud574\ub2ec\ub77c\uace0 \uc694\uccad\ud558\uc5ec \ubcf4\uc874 \uae08\uc561\uc744 \ub192\uc5ec \uace0\uac1d\uc758 \uc774\uc775\uc744 \uadf9\ub300\ud654\ud55c \uacbd\uc6b0\ub4e4\uc774 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uad50\ud1b5\uc0ac\uace0\ub97c \ub2f9\ud55c \ud30c\uc0b0 \uace0\uac1d\uc774 \ubcf4\uc0c1\uae08\uc744 \ubc1b\uc740 \uc774\ud6c4\uc5d0\ub3c4 \uc9c0\uc18d\uc801\uc778 \uce58\ub8cc\uac00 \ud544\uc694\ud558\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uc99d\uba85\ud558\uace0 \ubcf4\uc0c1\uae08\uc774 \ubcf4\uc874\ub418\uc9c0 \uc54a\uc73c\uba74 \ud30c\uc0b0 \uace0\uac1d\uc774 \uadf9\ub3c4\uc758 \uace0\ud1b5(Extreme Hardship)\uc744 \uacaa\uac8c \ub420 \uac83\uc774\ub77c\ub294 \uc8fc\uc7a5\uc744 \ud558\uc5ec \ucd94\uac00\uc801\uc778 \ubcf4\uc874 \uae08\uc561\uc744 \ubcf4\uc7a5\ubc1b\uc740 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uac1c\uc778\uc758 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubcf4\uc0c1\uae08\uc740 \uc870\uae08 \ub2e4\ub974\uac8c \ubcf4\uc874\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud30c\uc0b0\ubc95\uc73c\ub85c \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubcf4\uc0c1\uae08\uc758 \uc77c\uc815 \ubd80\ubd84\uc774 \ubcf4\uc874\uc774 \ub428\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ud55c \ud47c\ub3c4 \ubcf4\uc874\ud558\uc9c0 \ubabb\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\ub85c \uad50\ud1b5\uc0ac\uace0 \uc0ac\uc2e4\uc744 \ud30c\uc0b0 \uad00\ub9ac\uc778\uc5d0\uac8c \uc54c\ub9ac\uc9c0 \uc54a\uc740 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \ud30c\uc0b0\uc2e0\uccad\uc744 \ud558\ub294 \uc0ac\ub78c\uc774 \uace0\uc758\ub85c \ud639\uc740 \uace0\uc758\uac00 \uc544\ub2c8\ub354\ub77c\ub3c4 \uad50\ud1b5 \uc0ac\uace0\uac00 \ub0ac\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ubc1d\ud788\uc9c0 \uc54a\ub2e4\uac00 \ucc28\ud6c4\uc5d0 \ud30c\uc0b0 \uad00\ub9ac\uc778\uc774 \uc54c\uac8c \ub418\uba74 \uad50\ud1b5 \uc0ac\uace0 \ud569\uc758\uae08\uc740 \ubcf4\uc874\ub418\uc9c0 \uc54a\uace0 \uc804\uc561 \ucc44\uad8c\uc790\ub4e4\uc5d0\uac8c \ubc30\ubd84\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ub354\uad6c\ub098 \uace0\uc758\uc600\ub2e4\ub294 \uc0ac\uc2e4\uc774 \ubc1d\ud600\uc9c0\uba74 \ucc28\ud6c4 \ud615\uc0ac\uc801\uc778 \ucc45\uc784\uc744 \uc9c0\uac8c \ub418\ub294 \uc0c1\ud669\uae4c\uc9c0\ub3c4 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ud30c\uc0b0 \uace0\uac1d\uc740 \ud30c\uc0b0 \ubcc0\ud638\uc0ac\uc5d0\uac8c \uc194\uc9c1\ud558\uac8c \ubaa8\ub4e0 \uc0ac\uc2e4\uc744 \uc774\uc57c\uae30\ud558\uace0 \uc0c1\uc758\ud558\ub294 \uac83\uc774 \ud604\uba85\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc77c\ubd80 \uace0\uac1d\ub4e4\uc740 \uad50\ud1b5\uc0ac\uace0\uac00 \ub098\ub354\ub77c\ub3c4 \uad50\ud1b5\uc0ac\uace0 \uc18c\uc1a1\uc744 \ud30c\uc0b0 \uc2e0\uccad\uc774 \ub9c8\ubb34\ub9ac\ub418\uace0 \ub09c \ud6c4\uc5d0 \ud558\uba74 \ub418\uc9c0 \uc54a\uaca0\ub0d0\uace0 \ubb3c\uc73c\uc2dc\ub294 \ubd84\ub4e4\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc, \ud30c\uc0b0\ubc95\uc740 \ud30c\uc0b0 \uc2e0\uccad\uc744 \ud558\uae30 \uc804\uc5d0 \ubc1c\uc0dd\ud55c \ubaa8\ub4e0 \uad50\ud1b5\uc0ac\uace0\uc5d0 \ub300\ud574 \ubc1d\ud788\ub294 \uac83\uc744 \uc758\ubb34\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ud30c\uc0b0 \uad00\ub9ac\uc778\uc740 \ud30c\uc0b0 \uc2e0\uccad\uc774 \ub9c8\ubb34\ub9ac\ub41c \ud6c4\uc5d0\ub3c4 \ud30c\uc0b0 \uc2e0\uccad\uc778\uc758 \uc774\ub984\uc73c\ub85c \uc811\uc218\ub41c \ucf00\uc774\uc2a4\uac00 \uc788\ub294\uc9c0 \ubc95\uc6d0 \uae30\ub85d\uc744 \ud655\uc778\ud558\uae30 \uacbd\uc6b0\uac00 \ub9e4\uc6b0 \ud754\ud558\uae30 \ub54c\ubb38\uc5d0 \ucc28\ud6c4\uc5d0 \ubc1d\ud600\uc9c8 \uac00\ub2a5\uc131\uc774 \ubd84\uba85 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8, \ub9cc\uc57d \ud30c\uc0b0 \uc2e0\uccad\uc744 \ud55c \ud6c4\uc5d0 \uad50\ud1b5\uc0ac\uace0\uac00 \ub098\uc11c \ubd80\uc0c1\uc744 \uc785\uc5c8\ub2e4\uba74 \uc774 \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubcf4\uc0c1\uae08\uc740 \ud30c\uc0b0 \uacfc\uc815 \uc911 \ucc98\ubd84 \ub300\uc0c1\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uae08\uc561\uc774 \uc5bc\ub9c8\uac00 \ub418\uc5c8\ub4e0\uc9c0\uac04\uc5d0 \uc790\ub3d9\ucc28 \uc0ac\uace0 \ubcf4\uc0c1\uae08\uc744 \ud30c\uc0b0 \uc5ec\ubd80\uc640 \uad00\uacc4\uc5c6\uc774 \uc804\uc561 \ubcf4\uc874\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uad50\ud1b5\uc0ac\uace0 \ud6c4 \ud30c\uc0b0, \ud30c\uc0b0\ud558\uba74 \uad50\ud1b5\uc0ac\uace0\ub85c \ubc1b\uc740 \ubcf4\uc0c1\uae08\uc740 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694? \u201c\uc5ce\uce5c\ub370 \ub36e\uce5c\uaca9\u201d\uc73c\ub85c \uacbd\uc81c\uc801\uc73c\ub85c \ud798\ub4e4\uc5b4 \ud30c\uc0b0\uc744 \uace0\ubbfc\ud558\ub358 \uc0ac\ub78c\uc774 \uad50\ud1b5\uc0ac\uace0\uae4c\uc9c0 \ub2f9\ud558\uac8c \ub418\uba74 \ud070 \uc88c\uc808\uac10\uc744 \ub9db\ubcf4\uac8c \ub429\ub2c8\ub2e4. \ub354\uad6c\ub098 \uad50\ud1b5\uc0ac\uace0\ub85c \ubc1b\uc740 \ud569\uc758\uae08\uae4c\uc9c0 \ubaa8\ub450 \ud30c\uc0b0 \uad00\ub9ac\uc778\uc5d0 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