{"id":6829,"date":"2017-08-07T17:44:00","date_gmt":"2017-08-07T17:44:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=6829"},"modified":"2022-10-17T17:46:53","modified_gmt":"2022-10-17T17:46:53","slug":"%eb%ac%b4%ec%a1%b0%ea%b1%b4-%ed%8c%8c%ec%82%b0%ec%9d%80-%eb%a7%8c%eb%b3%91-%ed%86%b5%ec%b9%98%ec%95%bd%ec%9d%b4-%ec%95%84%eb%8b%99%eb%8b%88%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%ac%b4%ec%a1%b0%ea%b1%b4-%ed%8c%8c%ec%82%b0%ec%9d%80-%eb%a7%8c%eb%b3%91-%ed%86%b5%ec%b9%98%ec%95%bd%ec%9d%b4-%ec%95%84%eb%8b%99%eb%8b%88%eb%8b%a4\/","title":{"rendered":"\u201c\ubb34\uc870\uac74 \ud30c\uc0b0\u201d\uc740 \ub9cc\ubcd1 \ud1b5\uce58\uc57d\uc774 \uc544\ub2d9\ub2c8\ub2e4."},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-\ubb34\uc870\uac74-\ud30c\uc0b0-\ud30c\uc0b0\uc774-\ucd5c\uc120\uc778\uac00\">\ubb34\uc870\uac74 \ud30c\uc0b0, \ud30c\uc0b0\uc774 \ucd5c\uc120\uc778\uac00?<\/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>\uc800\ud76c \uc911\ud559\uad50 \uc591\ud638\uc120\uc0dd\ub2d8\uc740 \uc5b4\ub514\uac00 \uc544\ud30c\uc11c \uc591\ud638\uc2e4\uc744 \ucc3e\ub4e0 \u201c\ud0c0\uc774\ub808\ub180 \uba39\uc5b4\u201d\ub77c\uace0 \ucc98\ubc29\uc744 \ud588\uc2b5\ub2c8\ub2e4. \uc5b4\ub5a4 \uacbd\uc6b0\ub294 \ub180\ub78d\uac8c\ub3c4 \ubc14\ub85c \ub0ab\uae30\ub3c4 \ud558\uc600\uc9c0\ub9cc \ubaa8\ub4e0 \uc99d\uc0c1\uc5d0 \u201c\ud0c0\uc774\ub808\ub180\u201d\uc744 \uba39\ub294 \uac83\uc740 \uae30\ubcf8 \uac04\ud638 \uc9c0\uc2dd\uc744 \ubaa8\ub974\ub294 \ud559\uc0dd\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uae08\ubc29 \ub180\ub9bc\uac70\ub9ac\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8 \uc591\ud638\uc120\uc0dd\ub2d8\uc740 \uace7 \u201c\ud0c0\uc774\ub808\ub180 \uc120\uc0dd\ub2d8\u201d\uc73c\ub85c \ubd88\ub838\uc2b5\ub2c8\ub2e4. \ud30c\uc0b0\ub3c4 \ub9c8\ucc2c\uac00\uc9c0 \uc785\ub2c8\ub2e4. \ubb34\uc870\uac74 \ud30c\uc0b0\uc744 \ud558\ub77c\uace0 \uad8c\uc720\ud558\ub294 \ubcc0\ud638\uc0ac\ub294 \uace0\uac1d\uc758 \uc774\uc775\uc744 \ucd5c\ub300\ub85c \ubcf4\uc7a5\ud55c\ub2e4\uace0 \ubcf4\uae30 \ud798\ub4ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud30c\uc0b0\uc744 \uc0c1\uc758\ud558\uae30\uc704\ud574 \uc800\ud76c \ub85c\ud38c\uc744 \ucc3e\ub294 \ub9ce\uc740 \uc218\uc758 \uace0\uac1d\ub4e4\uc740 \u201c\ubb34\uc870\uac74 \ud30c\uc0b0\u201d\uc744 \uc694\uad6c\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \u201c\ud30c\uc0b0\uc744 \ud558\uba74 \ubaa8\ub4e0 \ube5a\uc774 \ud0d5\uac10\ub41c\ub370\uc694.\u201d, \u201c\ud30c\uc0b0\uc744 \ud558\uba74 \ube5a \ub3c5\ucd09 \uc804\ud654\ub97c \ub354 \uc774\uc0c1 \ubc1b\uc9c0 \uc54a\uc544\ub3c4 \ub41c\ub370\uc694.\u201d \ub77c\uace0 \uc774\uc57c\uae30 \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc, \ud30c\uc0b0 \uc2e0\uccad\uc744 \ud558\uac8c \ub418\uba74 \uc790\uc0b0(asset)\uc758 \uc815\ub3c4\uc5d0 \ub530\ub77c \uc790\uc0b0\uc744 \uac15\uc81c \ucc98\ubd84 \ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c, \uc2e0\uc6a9\uc810\uc218(credit score)\uc5d0 \ud30c\uc0b0\uc5d0 \ub300\ud55c \uae30\ub85d\uc774 10\ub144\uae4c\uc9c0 \ub0a8\uc544\uc788\uac8c \ub429\ub2c8\ub2e4. \ub610\ud55c, \ud30c\uc0b0\uc744 \ud55c \ubc88 \ud558\uba74 8\ub144 \ub0b4\uc5d0\ub294 \ub2e4\uc2dc \ud30c\uc0b0 \uc2e0\uccad\uc744 \ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ud30c\uc0b0\uc774 \ubc18\ub4dc\uc2dc \ud544\uc694\ud55c \uc0c1\ud669\uc774 \uc544\ub2cc\ub370 \ud30c\uc0b0\uc744 \ud574 \ubc84\ub9ac\uba74 \ud639\uc2dc\ub77c\ub3c4 8\ub144 \ub0b4 \uc815\ub9d0 \ud30c\uc0b0\uc774 \ud544\uc694\ud55c \uc0c1\ud669\uc774 \ub418\uc5c8\uc744 \ub54c \ud30c\uc0b0\uc774\ub77c\ub294 \uce74\ub4dc\ub97c \uc4f8 \uc218 \uc5c6\uac8c \ub429\ub2c8\ub2e4. \ud30c\uc0b0 \uae30\ub85d\uc740 \ucde8\uc5c5\uc774\ub098 \uc0ac\uc5c5\uc5d0\ub3c4 \uc545\uc601\ud5a5\uc744 \ub07c\uce58\uac8c \ub429\ub2c8\ub2e4. \ud30c\uc0b0\uc758 \uc7a5\ub2e8\uc810\uc744 \uc815\ud655\ud788 \uc774\ud574\ud558\uace0, \uace0\uac1d\uc758 \ud604\uc7ac \uc0c1\ud669\uc744 \ud30c\uc545\ud558\uace0, \uace0\uac1d\uc774 \uc6d0\ud558\ub294 \uacb0\uacfc\uac00 \uc5b4\ub5a4 \uac83\uc778\uc9c0 \uc774\ud574\ud55c \ud6c4 \uc815\ud655\ud55c \ucc98\ubc29\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub294 \ub2a5\ub825\uc774 \ud30c\uc0b0 \ubcc0\ud638\uc0ac\uc5d0\uac8c\ub294 \ub9e4\uc6b0 \uc911\uc694\ud55c \uc790\uc9c8\uc774\ub77c\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub9ce\uc740 \uace0\uac1d\ub4e4\uc758 \uacbd\uc6b0, \ube5a\uc744 \uac1a\uace0\uc790 \ud558\ub294 \uc758\uc9c0\ub3c4 \uc788\uace0 \uc77c\uc815 \uc218\uc900\uc758 \uc218\uc785\uc774 \uc788\uc9c0\ub9cc \ube5a \uc790\uccb4\uac00 \ub108\ubb34 \uac10\ub2f9\ud560 \uc218 \uc5c6\uc774 \ub9ce\uc544 \ubc85\ucc28\ud558\ub294 \ubd84\ub4e4\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\ub09c \ub2ec \uc800\ud76c \ub85c\ud38c\uc744 \ucc3e\uc740 \uc2dd\ub2f9 \uc0ac\uc5c5\uac00 \uae40\uc528\uac00 \uadf8 \uc608\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae40\uc528\uc758 \uc2dd\ub2f9\uc740 \uc131\uc7a5 \uac00\ub2a5\uc131\uc774 \uc788\uc5c8\uc9c0\ub9cc \uc0ac\uc5c5 \ucd08\uae30\uc600\uae30 \ub54c\ubb38\uc5d0 \uac00\uc871\ub4e4\uc758 \uac74\uac15\ubcf4\ud5d8\uc744 \ucc59\uae38 \uc5ec\ub825\uc740 \uc5c6\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub358 \uc911 \uae40\uc528\ub294 \uc544\ub0b4\uc758 \uc720\ubc29\uc554\uc744 \uc54c\uac8c \ub418\uc5c8\uace0 \uc544\ub0b4\uc758 \uc720\ubc29\uc554 \uce58\ub8cc\ub97c \uc704\ud574 \uc720\ub2a5\ud558\ub2e4\ub294 \uc758\uc0ac\uc640 \ubcd1\uc6d0\ub4e4, \uc88b\ub2e4\ub294 \uc57d\uc744 \ubaa8\ub450 \uac00\uc838\ub2e4 \uc37c\uc2b5\ub2c8\ub2e4. \uc544\ub0b4\uc758 \uc554\uc740 \uce58\uc720\ub418\uc5c8\uc9c0\ub9cc \ub300\uc2e0 \uae40\ubaa8\uc528\ub294 \uc5b4\ub9c8\uc5b4\ub9c8\ud55c \uae08\uc561\uc758 \uce58\ub8cc\ube44\ub97c \ubc1b\uac8c \ub418\uc5c8\uace0 \uc218\uc2dc\ub85c \uc624\ub294 \ucf5c\ub809\uc158 \uc5d0\uc774\uc804\uc2dc\uc758 \ube5a \ub3c5\ucd09 \uc804\ud654\uc5d0 \uc2dc\ub2ec\ub9ac\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc544\ub0b4\uae4c\uc9c0 \uadf8\ub7ec\ud55c \uc804\ud654\ub97c \ubc1b\uac8c \ub418\uc790 \uae40\uc528\ub294 \uc544\ub0b4\uac00 \uc2a4\ud2b8\ub808\uc2a4\ub85c \ub2e4\uc2dc \uc554\uc774 \ub3c4\uc9c0\uc9c0\ub294 \uc54a\uc744\uc9c0, \uc870\uae08\ub9cc \uae30\ub2e4\ub824 \uc8fc\uba74 \ube5a\uc744 \uc870\uae08\uc529\uc774\ub77c\ub3c4 \uac1a\uc744\ud150\ub370 \uc6d0\ub9dd\uc2a4\ub7ec\uc6b4 \ub9c8\uc74c\uae4c\uc9c0 \ub4e4\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uacb0\uad6d \ud30c\uc0b0\uc744 \uace0\ub824\ud558\uac8c \ub418\uc5b4 \uc800\ud76c \ub85c\ud38c\uc744 \ucc3e\uc544\uc654\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae40\uc528\ub294 \u201c\ubb34\uc870\uac74 \ud30c\uc0b0\u201d\uc744 \uc694\uad6c\ud558\uc600\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc, \uace0\uac1d\uacfc\uc758 \uc624\ub79c \ub300\ud654\ub97c \ud1b5\ud574 \uc800\ud76c\ub294 \ud30c\uc0b0 \uc2e0\uccad\uc744 \ud558\uac8c \ub418\uba74 \uace0\uac1d\uc740 \uc131\uc7a5 \uac00\ub2a5\uc131\uc774 \uc788\uc5b4\ubcf4\uc774\ub294 \uc2dd\ub2f9 \uc0ac\uc5c5\uc744 \ud3ec\uae30\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774 \ub420 \uac83\uc774\ub77c\uace0 \ud655\uc2e0\ud558\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uae40\uc528\ub294 \ube5a\uc744 \uac1a\uace0\uc790 \ud558\ub294 \uc758\uc9c0\ub3c4 \uc788\uc73c\uba70, \ub2e8\uc9c0 \ube5a\uc774 \uc790\uc2e0\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc591\ubcf4\ub2e4 \uc870\uae08 \ub354 \ub9ce\ub2e4\ub294 \uc810, \uadf8\ub9ac\uace0 \ub04a\uc784\uc5c6\uc774 \uc624\ub294 \uceec\ub809\uc158 \uc5d0\uc774\uc804\uc2dc\uc758 \uc804\ud654\uac00 \uadf9\ub3c4\uc758 \uc2a4\ud2b8\ub808\uc2a4 \uc6d0\uc778\uc774 \ub418\uace0 \uc788\ub2e4\ub294 \uac83\uc744 \uc54c\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub798\uc11c \uc800\ud76c\ub294 \u201c\ubb34\uc870\uac74 \ud30c\uc0b0\u201d\ub300\uc2e0, \u201cDebt Negotiation (\ucc44\ubb34 \ud611\uc0c1)\u201d\uc744 \uad8c\ud574\ub4dc\ub838\uc2b5\ub2c8\ub2e4. \uae40\uc528\ub294 \ubc18\uc2e0\ubc18\uc758\ud558\uba70 \uc800\ud76c\uc758 \uad8c\uc720\ub97c \ubc1b\uc544\ub4e4\uc600\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc800\ud76c \ubcc0\ud638\uc0ac\ub4e4\uc740 \uace0\uac1d\uc744 \ub300\uc2e0\ud558\uc5ec \uceec\ub809\uc158 \uc5d0\uc774\uc804\uc2dc\uc5d0 \uace0\uac1d\uc758 \uc0c1\ud669\uc744 \uc124\uba85\ud558\uace0 \ud611\uc0c1\uc744 \ud558\uc5ec \ube5a\uc744 50%\uc815\ub3c4 \ub0ae\ucd9c \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uace0\uac1d\uc5d0\uac8c \ud55c\ub2ec\uc5d0 \uc5bc\ub9c8\uc529 \uceec\ub809\uc158 \uc5d0\uc774\uc804\uc2dc\uc5d0 \uc9c0\ubd88\ud560 \uc218 \uc788\ub3c4\ub85d \ube5a \ud0d5\uac10\uacc4\ud68d(payment plan)\uc744 \uc9dc \ub4dc\ub838\uc2b5\ub2c8\ub2e4. \uaf2c\ubc15\uaf2c\ubc15 \ube5a\uc744 \uac1a\uace0 \uc788\ub294 \uae40\uc528\ub294 \uc774\uc81c \uc0ac\uc5c5\uc744 \uc81c\ub300\ub85c \ud574 \ubcfc \uc758\uc9c0\uac00 \uc0dd\uae34\ub2e4\uba70 \uace0\ub9c8\uc6cc \ud558\uc168\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc800\ud76c\uac00 \ubaa8\ub4e0 \ucf00\uc774\uc2a4\uc5d0\uc11c \uc800\ud76c\uac00 50%\uc774\uc0c1 \ube5a \uccad\uc0b0\uc744 \uc57d\uc18d\ud560 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc800\ud76c\ub294 \ub9ce\uc740 \ud30c\uc0b0 \ucf00\uc774\uc2a4\ub97c \ud1b5\ud574 \ud30c\uc0b0\uc774 \ub4dd\ubcf4\ub2e4 \uc2e4\uc774 \ub9ce\uc744 \ub54c \ubcc0\ud638\uc0ac\ub294 \uace0\uac1d\uc5d0\uac8c \ubc95\uacfc \uaddc\uc815\uc744 \uc774\ud574\uc2dc\ud0a4\uace0 \uace0\uac1d\uc758 \ucd5c\ub300 \uc774\uc775\uc744 \uc704\ud574 \ub178\ub825\ud574\uc57c \ud558\uba70 \uadf8 \ubc29\ubc95\uc5d0\ub294 \ud30c\uc0b0 \uc678\uc5d0\ub3c4 \uc5ec\ub7ec\uac00\uc9c0 \uc788\ub2e4\ub294 \uac83\uc744 \uc798 \uc54c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ud30c\uc0b0\uc744 \uc0dd\uac01\ud558\uace0 \uacc4\uc2e0\ub2e4\uba74 \ud639 \ud30c\uc0b0 \uc678\uc5d0 \ub2e4\ub978 \ub300\uc548\uc740 \uc5c6\ub294\uc9c0 \uaf2d \ud55c \ubc88 \ud655\uc778\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubbf8\uad6d \ufeff\ud30c\uc0b0\ubc95 \uad00\ub828 \ubb38\uc758\uc0ac\ud56d\uc774 \uc788\uc73c\uc2dc\uba74 mail@songlawfirm.com\uc73c\ub85c \ubb38\uc758\uc8fc\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubb34\uc870\uac74 \ud30c\uc0b0, \ud30c\uc0b0\uc774 \ucd5c\uc120\uc778\uac00? \uc800\ud76c \uc911\ud559\uad50 \uc591\ud638\uc120\uc0dd\ub2d8\uc740 \uc5b4\ub514\uac00 \uc544\ud30c\uc11c \uc591\ud638\uc2e4\uc744 \ucc3e\ub4e0 \u201c\ud0c0\uc774\ub808\ub180 \uba39\uc5b4\u201d\ub77c\uace0 \ucc98\ubc29\uc744 \ud588\uc2b5\ub2c8\ub2e4. \uc5b4\ub5a4 \uacbd\uc6b0\ub294 \ub180\ub78d\uac8c\ub3c4 \ubc14\ub85c \ub0ab\uae30\ub3c4 \ud558\uc600\uc9c0\ub9cc \ubaa8\ub4e0 \uc99d\uc0c1\uc5d0 \u201c\ud0c0\uc774\ub808\ub180\u201d\uc744 \uba39\ub294 \uac83\uc740 \uae30\ubcf8 \uac04\ud638 \uc9c0\uc2dd\uc744 \ubaa8\ub974\ub294 [&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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","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":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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