- 신속채무조정 조건 지원 내용 신청 방법
- 신속채무조정은 연체가 없거나 30일 이하 단기연체자가 일정한 조건을 충족하는 경우 상환기간 연장 및 분할 상환, 상환유예, 채무감면 등의 채무 조정 지원을 받아 신용을 잃지 않도록 도움을 받을 수 있는 제도입니다. 이번 글에서는 신속채무조정 조건 지원 내용 신청 방법을 안내해
Are you struggling to repay your debts due to a lack of funds? Worried about debts that are difficult to solve alone? Find a way to repay your debts through the Rapid Debt Adjustment program!
What is Rapid Debt Adjustment?
Rapid Debt Adjustment is a program designed for people who are having difficulty repaying their debts. Simply put, it helps you repay your debts by extending the repayment period and reducing interest. This helps prevent your credit rating from dropping and provides support to overcome financial difficulties.
Who is eligible for Rapid Debt Adjustment?
- Overdue period of 30 days or less, or no arrears.
- Total debt of 1.5 billion KRW (Korean Won) or less.
- Debt with a credit counseling agency affiliated with the Credit Recovery Foundation.
- Income above the minimum living standard, or recognized ability to repay debts.
If you meet the above conditions, you may be eligible to apply. However, since the applicable conditions may vary depending on individual circumstances, it is advisable to consult with the Credit Recovery Foundation.
What kind of help can you receive with Rapid Debt Adjustment?
- Extended repayment period: Reduces the burden by extending the debt repayment period.
- Interest reduction: Reduces the amount of interest you have to pay.
- Repayment deferral: You do not have to repay your debt for a certain period.
How do I apply for Rapid Debt Adjustment?
1. Apply for counseling at the Credit Recovery Foundation: You can receive counseling through convenient methods such as phone, visit, or online counseling.
2. Prepare necessary documents: Prepare documents such as identification and income verification documents.
3. Submit the application: Submit the application along with the prepared documents.
How to Apply for Expedited Debt Adjustment
Important things to know about Rapid Debt Adjustment!
- Thorough verification before applying: You must check and prepare the eligibility requirements and necessary documents in advance.
- Consult with an expert: It is best to consult with a professional counselor at the Credit Recovery Foundation to find a customized solution.
- It may take time: Because it goes through the review process after application, the results are not immediate.
Frequently Asked Questions (FAQ)
- Will my credit rating drop if I apply for Rapid Debt Adjustment?
- Applying itself will not lower your credit rating. Rather, because it is a program that helps you manage your debts well, it can help you recover your credit rating in the long run.
- Can I get all my debts written off if I apply for Rapid Debt Adjustment?
- It is not possible to get all debts written off. Depending on your circumstances, the amount of debt you need to repay and the repayment period may vary.
- Can I get another loan after applying for Rapid Debt Adjustment?
- It may be difficult to get a new loan after application. During the Rapid Debt Adjustment period, you should focus on repaying your debts.
If you have any further questions, please contact the Credit Recovery Foundation!
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