- 프리워크아웃 조건 지원 내용 신청 방법
- 프리워크아웃(사전채무조정)은 신용회복위원회의 개인채무조정제도 중 하나입니다. 31~89일 이하 단기연체자를 대상으로 일정 조건을 충족하는 경우 금리 인하, 분할상환, 채무 감면 등을 지원하는 제도입니다. 이번 글에서는 프리워크아웃 조건 지원 내용 신청 방법을 설명해 드리도록 하겠습니다.
For those struggling with debt, the Credit Recovery Committee is a beacon of hope. Among its programs, the "Pre-workout" system for short-term delinquents is particularly noteworthy for those seeking a swift credit recovery. This article delves into what pre-workout is, the support it offers, and its application process.
What is Pre-workout?
Pre-workout is a personal debt adjustment program run by the Credit Recovery Committee, targeting short-term delinquents (31 to 89 days overdue). It offers various support measures such as interest reduction and extended repayment periods to ease the burden of debt repayment and facilitate credit recovery.
Advantages of Pre-workout
- Speedy Processing: The process is swift after application, preventing the registration of financial delinquency information.
- Debt Reduction: Interest reduction and extended repayment periods significantly lessen the actual debt burden.
- Credit Recovery: Regular repayments help restore credit ratings.
- Collection Suspension: Debt collection is immediately suspended, reducing psychological stress.
Pre-workout Application Requirements
- Debt with financial institutions partnered with the Credit Recovery Committee.
- Debt delinquency period of 31 to 89 days.
- Total debt amount below a certain limit.
- Assets do not exceed the debt amount.
- Income above the minimum living standard, or demonstrable debt repayment capacity.
Pre-workout Support Details
- Interest Reduction: Up to 70% reduction on the agreed interest rate is possible.
- Repayment Period Extension: Repayment period can be extended up to a maximum of 10 years.
- Repayment Deferral: Repayment can be deferred for up to 3 years.
Pre-workout Application Process
1. Consultation: Receive guidance on eligibility and procedures through a phone or in-person consultation with the Credit Recovery Committee.
2. Document Preparation: Prepare necessary documents, including identification and income verification.
3. Application: Submit the application to the Credit Recovery Committee with the prepared documents.
4. Review: The Credit Recovery Committee conducts a review and prepares an adjustment plan.
5. Agreement: Once the debtor and creditor agree on the adjustment plan, the process is complete.
How to Apply for Pre-Workout
Pre-workout Precautions
- Unidentified debts may exist beyond those revealed by credit checks; therefore, it is crucial to identify all debts.
- For guaranteed debts, application is possible only after vicarious payment.
- For secured loans, the lien must be extinguished before application.
- The process from application to plan finalization may take time.
- Credit card usage may be restricted after application.
Conclusion
The Pre-workout system offers short-term delinquents a chance at a fresh start. However, it's crucial to carefully review the application conditions and procedures and seek professional advice. We hope that with the help of the Credit Recovery Committee, you can overcome debt and begin a healthy financial life.
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