- 개인회생 및 개인파산 신청 비용 항목별 정리
- 개인회생이나 개인파산을 고민하거나 신청을 준비하고 계신 분들이라면, 개인회생과 개인파산은 법률사무소를 이용하는 것이 대부분이기 때문에 비용에 대한 걱정이 앞서게 됩니다. 이번 글에서는 개인회생 및 개인파산 신청 비용 항목별 정리해 드리도록 하겠습니다.
Personal Rehabilitation & Bankruptcy: How Much Does It Cost?
If you are struggling with debt, many people dream of a fresh start through personal rehabilitation or bankruptcy. However, many find it difficult to make a decision because of the legal procedures involved. In particular, many hesitate because of the cost.
This article will detail the cost items involved in applying for personal rehabilitation and bankruptcy, and also guide you on how to save money.
Personal Rehabilitation & Bankruptcy Costs: Know This and You're Good!
The costs of personal rehabilitation and bankruptcy can be broadly divided into five categories.
Personal Rehabilitation and Bankruptcy Application Costs
1. Debt Certificate Issuance Fee: This is the fee for obtaining a certificate confirming how much debt you currently have from creditors. The cost varies depending on the number of creditors, and using an agency is convenient, but additional fees will be incurred.
2. Court Registration Fee: This is the application fee submitted to the court. A discount can be obtained using the e-filing system.
3. Service Fee: This is the cost for the court to notify creditors of the lawsuit. The cost increases with the number of creditors.
4. Advance Payment: This is the fee paid to the bankruptcy trustee. This is essential in the case of personal bankruptcy, and the amount varies depending on the complexity of the case.
5. Lawyer's Fee: This is the largest cost, and it varies greatly depending on the lawyer's experience and the difficulty of the case.
How Can I Save Money?
- Debt Certificate: Look into obtaining it directly or using a low-cost agency.
- Court Registration Fee: Use the e-filing system to get a discount.
- Service Fee: Contact creditors directly to explore ways to reduce service fees.
- Lawyer's Fee: Compare various law firms and choose one that offers reasonable fees after consultation.
Personal Rehabilitation & Bankruptcy: Make a Careful Decision!
Personal rehabilitation and bankruptcy are complex legal procedures, so it is advisable to seek professional help. However, if you are hesitant because of the cost, you should carefully consider the cost of each item and choose the method that is right for you.
FAQ
- How long does personal rehabilitation and bankruptcy take?
- It generally takes one to three years.
- Can I work during personal rehabilitation and bankruptcy?
- Yes, you can continue to work.
- Will I become a credit delinquent after personal rehabilitation and bankruptcy?
- Your bad credit record will be deleted if you receive a discharge decision.
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