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개인회생은 법원의 심사를 거쳐 변제 계획을 세우고 이를 이행합니다. 파산은 법원의 심사를 통해 재산을 처분하고 채무를 면책받습니다.
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법원은 개인회생 면책불허가사유 등을 정하고 있고, 만약 면책이 허가되지 않을 경우에는 채무를 모두 변제하여야 할 뿐만 아니라 파산을 선고받은 채무자로서 법률에 정하여진 여러 가지 제약을 받게 되므로 파산 및 면책 신청을 하기 전에 미리 면책불허가 사유가 있는지의 검토가 선행되어야 하는데요.
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법원에서는 당연히 사해행위가 보인다면 개인회생, 개인파산을 인가해주지 않습니다. 그러니 꼭 정당한 방법으로 채무조정제도를 신청하시길 바랍니다.
사해행위란 채권자를 해하기 위해서 재산을 손괴ㆍ은닉하여 강제집행을 어렵게 하는 행위를 말합니다.
-개인채무자가 아니거나 기준금액을 초과해 빚을 진 경우에는 개인회생이 아닌 일반회생 절차를 이용하여야 합니다.
부산 개인회생/파산 비용은 법률사무소마다 다르고, 채무성격과 액수, 채권자 수에 따라서도 달라져요.
아무런 결과물도 제시하지 못하면서 전문가인척하는 대부분의 사무실은 무시하시는 것이 좋습니다.
인가가 결정되면, 채무자는 은행권 등에 남아있는 연체자 기록에서 삭제됩니다.