배드뱅크(새도약기금) 대부업체 참여율 2.7% , 빚 탕감 가능할까
회생의고수 김민성변호사
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회생의고수!! 법무법인 공명 김민성 변호사입니다. 빚 때문에 고통을 받고 계신가요 ? 어느 날 뉴스를 보다가 빚 때문에 일가족이 모두 극단의 선택을 했다는 안타까운 소식을 접했습니다. 그 순간, 만약 그 분들이 개인회생, 개인파산 이라는 채무조정제도를 알았다면 다른 선택을 할 수도 있었을까라는 생각이 들었습니다. 혹시 빚으로 고통 받고 계시다면, 그 빚이 무엇이든 간에 주저하지 말고 저에게 전화를 주세요. 최대한 도움을 드리기 위해 노력할 것입니다. 비록 제가 실질적인 도움을 드리지 못하더라도, 속마음을 털어놓는 것 만으로도 큰 위안이 될 수 있다고 합니다. 부디 혼자서 괴로워하지 마시고, 용기를 내어 연락해 주세요. 함께 해결책을 찾아보시길 바랍니다. 전화: 1670-1623 네이버 카페: https://cafe.naver.com/law1775 홈페이지: https://ghltod.com 비즈니스 문의 : [email protected]
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[개인회생 상담, 정확하게 받는 법] 📞 전국전화상담 : 1670-1623 📞 인천부천김포 : 1670-1639 📞 부산경남울산 : 1533-7397 💬 실시간 카카오톡 상담 : https://bit.ly/ghltodkakao 📗 의뢰인들의 쉼터(카페) : https://bit.ly/ghltodcafe [2025년 최신 개인회생 총정리] 재생목록 : https://www.youtube.com/playlist?list=PLRt5rkDS1xVC3twjmgW33twY9xsm79j3G (이 영상들 먼저 보면 상담이 훨씬 쉬워집니다!) [이번영상] 여러분들이 가장 궁금해 하셨던 질문들만 뽑아서 새도약기금 Q&A 영상을 만들어봤습니다. 끝까지 시청해주시고, 구독, 좋아요, 댓글은 저희에게 큰 힘이 됩니다. 🙏❤️ [타임라인] 00:00 인트로 00:35 0) 대부업체 실효성 논란? 01:52 1) 채무액 5천만 원은 원금 기준인가요? 01:58 2) 채무액 5천만 원은 모든 빚을 합산한 총액인가요? 02:22 3) 연체 7년 이상을 판단하는 정확한 기준일이 언제인가요? 02:46 4) 카드사, 저축은행, 대부업체 빚도 대상이 되나요? 03:35 5) 공공기관(ex 신용보증기금)에 진 빚도 매입 대상에 포함되나요? 03:44 6) 지원 대상에서 제외되는 대표적인 채권은 무엇인가요? 04:14 7) 직접 신청해야 되나요? 04:38 8) 제가 거래하는 금융회사가 채권을 새도약기금에 팔지 않겠다고 하면 어떻게 돼요? 04:51 9) 제 빚이 매입 대상인지, 탕감되었는지 어떻게 확인할 수 있나요? 05:17 10) 제 채무가 언제부터 매입되었는지 조회가 가능한가요? 05:31 11) 어떤 경우에 빚이 '전액 탕감' 되나요? 05:53 12) 상환능력 심사에서 '빚 갚을 능력이 없다' 고 판단하는 기준은 무엇인가요? 06:12 13) 기준에 없는 재산이라도 생계에 필수적이라면 소명할 기회가 있나요? 06:22 14) 상환능력 심사 시 부양가족도 고려해주나요? 06:43 15) 상환능력 심사할 때 저의 재산 내역을 모두 확인하나요? 06:55 16) 여러 금융사에 빚이 있어 매입된 총액이 5천만 원을 넘으면 어떡하나요? 07:56 17) 재산을 숨기고 지원받는 등 부정행위가 적발되는 어떻게 되나요? 08:13 18) 심사결과 빚 갚을 능력이 있다고 판단되면 어떻게 되나요? 08:18 19) 기금 재원 국민 세금으로 하나요? 08:32 마무리 #배드뱅크 #새도약기금 #회생의고수
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