신설 회생법원 준칙으로 달라진 것. 추심, 생계비, 청산가치, 변제기간까지

📞 Book an Immediate Consultation: 1899-1440 🔔 Request Optimal Personalized Consultation 🔸 Individual Rehabilitation/Bankruptcy: https://forms.gle/WwsHVovmWKv7QCcy7 🔸 Corporate Rehabilitation/Bankruptcy: https://forms.gle/DDxnuUroiH4VQ2r68 🔔 Direct Consultation with Attorney Lee Seo-young: https://bit.ly/4rFrsnk 🔔 Real Reviews from Senior Rehabilitation & Bankruptcy Clients: https://bit.ly/3eNZ3eN Hello, this is Attorney Lee Seo-young from the Rehabilitation & Bankruptcy Research Institute. In March 2026, with the launch of the new specialized rehabilitation courts in Gwangju, Daegu, Daejeon, and Incheon, the practical standards that directly affect the actual outcomes of individual rehabilitation have changed. 💡 Key Summary of Recent Changes ✔ Order to Stop Collection → Decision within 3 days Predictable timing for halting debt collection and seizures ✔ Raised living expense threshold (60% of median income) Increased likelihood of reduced repayment amounts compared to before ✔ Stock/Coin Losses → Exclusion of liquidation value Resolved issue of "treating lost money as assets" ✔ Spousal Assets → Exclusion in principle Reduced reflection of excessive liquidation value ✔ Clarification of criteria for shortening the repayment period Realization of the possibility of shortening to less than 2–3 years ✔ Clarification of procedures for delinquency Reduced risk of sudden cancellation ✔ Guidance on conversion to bankruptcy in cases of insufficient income Prevention of unreasonable rehabilitation proceedings In short, if you prepare your documents well, the repayment amount itself can vary significantly. 💡 Differences by Court ✔ Gwangju Submission of written commitment Mandatory credit education Emphasis on procedural transparency ✔ Daejeon Participation of external experts (based on living expense standards) Enhanced objectivity ✔ Daegu 3–5 year repayment standard Clarification Gambling/Investment Losses → Stricter In other words, even for the same rehabilitation case, the outcome can vary depending on the court. ❗ Must-Know Facts ❗ Just because the number of courts has increased does not mean the debt forgiveness rate will go up. Income Assets History of debt incurrence Possibility of repayment These criteria remain unchanged. ⚠️ If you fall into any of these categories, please watch this video! Those preparing for individual rehabilitation Those who want to reduce their repayment amounts Those with losses in cryptocurrencies/stocks Those with spousal asset issues Those who are currently in arrears or worried about the case being cancelled Even under the same conditions, the outcome can vary significantly depending on how you prepare If you find it difficult to make a decision on your own, please leave a comment or inquire about a consultation. The answer to your debt is at the Rehabilitation & Bankruptcy Research Institute! 00:00 Highlights 00:23 New Rehabilitation Courts for 2026: What Has Changed? 01:20 Criteria for Prohibition Orders: Changes Made 02:30 Criteria for Recognizing Living Expenses Have Become Clearer 04:26 Stock and Coin Losses Excluded from Liquidation Value 06:32 Principles for Spousal Assets Have Now Changed 07:40 Criteria for Shortening Repayment Periods and Converting to Personal Bankruptcy 09:41 Practical Differences Unique to Gwangju Rehabilitation Court 10:57 Summary of Key Contents for the New Rehabilitation Court #RehabilitationBankruptcyInstitute #DaejeonRehabilitationCourt #GwangjuRehabilitationCourt #DaeguRehabilitationCourt #PersonalRehabilitationSpecialistLawyer #PersonalBankruptcySpecialistLawyer #PersonalBankruptcy #PersonalRehabilitation #2025PersonalBankruptcy #CreditRecoverySystem #DebtAdjustmentSystem #DebtPayment #Debt #CreditScoreManagement #CreditRating