개인워크아웃 조건The personal workout (debt adjustment) system run by the Credit Recovery Committee is a credit recovery support system that is advantageous to those who have been delinquent for more than 90 days due to excessive financial costs compared to their income and who can make long-term installment payments after debt adjustment. The reason why the personal workout (debt adjustment) is a very good system can be summarized in four major points.
Once the debt adjustment is confirmed, interest and delinquent interest are reduced, and the principal can be reduced by 0-70% depending on whether it is not amortized or amortized, and up to 90% for the socially vulnerable. Let me explain in detail the support targets and exclusion targets.
The personal workout system is only available if all of the following conditions are met. There are four in total. I will explain them one by one.
The explanation is not difficult, so you probably understood it easily. The most important of these is that you must have an income higher than the minimum living expenses.
I will attach a link to the notice on the minimum guaranteed level announced by the National Law Information Center in 2024. You can check the minimum living expenses by number of members through the link. 2024 Standard Median Income and Livelihood/Medical Aid Selection Criteria and Minimum Guarantee Level
www.law.go.kr
On the other hand, the following cases cannot use the Credit Recovery Committee’s personal workout system. There are three conditions.
Since the application documents may vary depending on the debtor’s circumstances, such as debt status and asset holding status, it is most accurate to receive guidance after consultation. I will tell you about the commonly required documents.
Accurate consultation is possible through branch consultation or the Internet. I will connect you to the Internet consultation application site.
Credit Recovery Committee – We will create a clean and bright credit society.
cyber.ccrs.or.kr
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