약관대출의 처리방안!

<TABLE cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD class=bg_board_title align=middle colSpan=5><B><FONT class=text><B><FONT color=#ff0000><FONT size=3>약관대출의 처리방안!</B></FONT></FONT> </FONT></B></TD></TR> <TR> <TD class=bg_board_title_02 style="PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; OVERFLOW: hidden; PADDING-TOP: 0px" colSpan=5 height=1></TD></TR> <TR class=bg_cafenetwork> <TD style="PADDING-LEFT: 15px" noWrap width=95>번호: 5410</TD> <TD align=middle width="100%">글쓴이: <IMG height=19 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwns.messenger.daum.net%3A3682%2FRSI%3Feuserid%3Dd1tOjFCT41o0%26ebuddy_userid%3DZa43lCCgRJM0" width=21 align=absMiddle vspace=3 border=0> <A class=link_board_02 href="xxxxjavascript:;" xxxxonclick="showSideView(this, 'NVhOasbWnd10', '', '막깡');"><FONT color=#3e8822>막깡</FONT></A><BR></TD> <TD noWrap width=95>조회: <FONT class=text_03 color=#996600>157</FONT></TD> <TD style="PADDING-RIGHT: 15px" noWrap width=150>날짜: 2004/11/14 12:32</TD></TR> <TR> <TD class=bg_board_title_02 style="PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; OVERFLOW: hidden; PADDING-TOP: 0px" colSpan=5 height=1></TD></TR></TBODY></TABLE> <STYLE>P{margin-top:2px;margin-bottom:2px;}</STYLE> <XSCRIPT> </XSCRIPT><INPUT type=hidden name=nickname> <INPUT type=hidden name=grpcode> <INPUT type=hidden name=act> <INPUT type=hidden name=seq> <INPUT type=hidden name=return_url>  <TABLE cellSpacing=0 cellPadding=15 width="100%" border=0> <TBODY> <TR> <TD class=text vAlign=top width="100%" bgColor=#ffffff> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD class=text vAlign=top> <P>교보생명에 신용대출 500만원</P> <P>                 약관대출 270만원</P> <P> </P> <P>흥국생명에 신용대출 500만원</P> <P>                  약관대출 80만원</P> <P> </P> <P>이런 경우 교보하고 흥국에서 약관대출 받은 것을 해약을 안해주고 있습니다. </P> <P> </P> <P>1. 교보생명과 흥국생명 대출금(신용대출)은 일반채권으로 작성하고 교보,흥국의 약관대출은 별제권으로 보고 별제권채권으로 해야 하는지?</P> <P> </P> <P>2. 아니면 모두 일반채권으로 해석하고 작성해야 하는지 가 궁금합니다.</P> <P> </P> <P>3. 물론 해약환급금 예정액은 재산목록으로 작성해야 겠지요?</P> <P> </P> <P>아시는 분 답변 부탁 드립니다. 워낙에 실무들이 다른가보내요. 해석도 너무 다르고</P> <P>서울중앙법원 실무는 어떻게 처리는되는지? 경험있는분 댓글부탁드립니다.</P> <P> <STYLE>P{margin-top:2px;margin-bottom:2px;}</STYLE> </P></TD></TR></TBODY></TABLE></TD> <TD vAlign=top noWrap align=right> <TABLE cellSpacing=1 cellPadding=0 width=130 bgColor=#c4c4c4 border=0> <TBODY> <TR style="LINE-HEIGHT: 110%"> <TD align=middle bgColor=#ffffff> Netscape 7.0 이상을 사용하십시오.</IFRAME><BR></TD></TR> <STYLE type=text/css> a.avatar:link { color:#797979; text-decoration:none; font-size:9pt;} a.avatar:visited { color:#797979; text-decoration:none; font-size:9pt;} a.avatar:hover { color:#000000; text-decoration:none; font-size:9pt;} </STYLE> <XSCRIPT language=xxxxjavascript> <TR> <TD style="PADDING-LEFT: 3px" bgColor=#f3f3f3> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD bgColor=#ffffff height=1></TD></TR> <TR> <TD height=5></TD></TR></TBODY></TABLE><A class=avatar href="xxxxjavascript:popupAlbum('xx476DHAP1E0');">아바타정보</A>|<A class=avatar href="http://avatarmall.daum.net/avatar/member/popup/buyfriendsitems.jsp?euserid=xx476DHAP1E0" target=_new>같은옷구입</A><BR><A href="http://avatarmall.daum.net/avatar/member/index.jsp?iframeurl=i_sangpum.jsp%3feuserid%3dxx476DHAP1E0%26nickname%3d" target=_new> <IMG height=14 alt=상품권 src="https://t1.daumcdn.net/daumtop_deco/icon/image.hanmail.net/hanmail/cf_img/bbs_gift.gif" width=25 align=absMiddle vspace=3 border=0></A><A class=avatar href="http://avatarmall.daum.net/avatar/member/index.jsp?iframeurl=i_sangpum.jsp%3feuserid%3dxx476DHAP1E0%26nickname%3d" target=_new name=link2> 상품권 선물하기</A><BR> <TABLE cellSpacing=0 cellPadding=0 width="96%" align=center border=0> <TBODY> <TR> <TD height=2></TD></TR> <TR> <TD bgColor=#d7d7d7 height=1></TD></TR> <TR> <TD bgColor=#ffffff height=1></TD></TR> <TR> <TD height=2></TD></TR></TBODY></TABLE> </IFRAME> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD height=2></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><BR> <TABLE height="100%" cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD vAlign=top height="100%"> <TABLE cellSpacing=0 cellPadding=0 width="98%" align=center border=0> <TBODY> <TR> <TD noWrap align=right> <IMG height=15 alt="꼬리말 쓰기" hspace=6 src="http://cafeimg.hanmail.net/cf_img/top4/bbs/one_write.gif" width=15 align=absMiddle vspace=4 border=0><A href="http://cafe152.daum.net/_c21_/bbs_read?grpid=sR3L&mgrpid=#down">꼬리말 쓰기</A>  </TD></TR></TBODY></TABLE> <TABLE cellSpacing=0 cellPadding=0 width="98%" align=center border=0> <TBODY> <TR> <TD style="BORDER-RIGHT: #c9c9c9 1px solid; BORDER-TOP: #c9c9c9 1px solid; BORDER-LEFT: #c9c9c9 1px solid; BORDER-BOTTOM: #c9c9c9 1px solid"><XSCRIPT language=xxxxjavascript> <TABLE id=comments cellSpacing=7 cellPadding=0 width="100%" border=0> <TBODY> <TR style="LINE-HEIGHT: 110%"> <TD noWrap> <IMG height=19 alt="" src="http://cafeimg.hanmail.net/cf_img/icon01.gif" width=19 align=absMiddle border=0><BR></TD> <TD style="PADDING-RIGHT: 4px" noWrap><A class=link_board_02 href="xxxxjavascript:;" xxxxonclick="showSideView(this, 'kaEH-Qfq-P50', 'nOmREBM1A5A0', '야니')"><XSCRIPT></XSCRIPT> <FONT color=#3e8822>야니 </FONT></A></TD> <TD width="100%">1.모두 일반 채권이고 채권자목록에는 각각 기재하시고 2.해약환급금예정액은 재산목록에 기재하심 됩니다<A href="xxxxjavascript:DeleteShortComment(1)"> <IMG height=15 alt=.. src="https://t1.daumcdn.net/daumtop_deco/icon/image.hanmail.net/hanmail/cf_img/one_x.gif" width=15 align=absMiddle border=0></A></TD> <TD noWrap><FONT style="FONT-SIZE: 9pt" color=#7c7c7c>[2004/11/14]</FONT></TD></TR> <TR style="LINE-HEIGHT: 110%"> <TD noWrap> <IMG height=19 alt="" src="http://cafeimg.hanmail.net/cf_img/icon01.gif" width=19 align=absMiddle border=0><BR></TD> <TD style="PADDING-RIGHT: 4px" noWrap><A class=link_board_02 href="xxxxjavascript:;" xxxxonclick="showSideView(this, 'fzYr7ECVtWE0', 'sVE47m1qhZY0', '희망을 가진자')"></XSCRIPT> <FONT color=#3e8822>희망을 가진.. </FONT></A></TD> <TD width="100%">전 상계했음<A href="xxxxjavascript:DeleteShortComment(2)"> <IMG height=15 alt=.. src="https://t1.daumcdn.net/daumtop_deco/icon/image.hanmail.net/hanmail/cf_img/one_x.gif" width=15 align=absMiddle border=0></A></TD> <TD noWrap><FONT style="FONT-SIZE: 9pt" color=#7c7c7c>[2004/11/14]</FONT></TD></TR> <TR style="LINE-HEIGHT: 110%"> <TD noWrap> <DIV id=plainCmtEmo_3> <IMG height=19 alt="" src="http://cafeimg.hanmail.net/cf_img/icon01.gif" width=19 align=absMiddle border=0><BR></DIV> <DIV id=editCmtEmo_3 style="DISPLAY: none"> <IMG height=19 alt="" src="http://cafeimg.hanmail.net/cf_img/icon01.gif" width=19 align=absMiddle border=0 xxxxonclick="xxxxjavascript:showhide2(this);" xxxxonfocus="this.blur()"><BR></DIV></TD> <TD style="PADDING-RIGHT: 4px" noWrap><A class=link_board_02 href="xxxxjavascript:;" xxxxonclick="showSideView(this, 'AQC9MjEDKEE0', 'AFRQha9ZuHM0', '박변호사')"></XSCRIPT> 박변호사 </A></TD> <TD style="WORD-BREAK: break-all" width="100%"><INPUT type=hidden value=01 name=emoticon_3> <DIV id=plainCmt_3>해지가 안된다면 야니님 처럼 하십시오.<A href="xxxxjavascript:ModifyViewShortComment(3);"> <IMG height=15 alt=수정 hspace=4 src="https://t1.daumcdn.net/daumtop_deco/icon/image.hanmail.net/hanmail/cf_img/one_m.gif" width=15 align=absMiddle border=0></A><A href="xxxxjavascript:DeleteShortComment(3);"> <IMG height=15 alt=삭제 src="https://t1.daumcdn.net/daumtop_deco/icon/image.hanmail.net/hanmail/cf_img/one_x.gif" width=15 align=absMiddle border=0></A></DIV> <DIV id=editCmt_3 style="DISPLAY: none"><TEXTAREA class=inputtext4 name=comment_3 xxxxonkeyup="updateChar(300,3);">해지가 안된다면 야니님 처럼 하십시오.</TEXTAREA><A href="xxxxjavascript:ModifyShortComment(3,01);"> <IMG height=19 alt=확인 hspace=4 src="http://cafeimg.hanmail.net/cf_img/top4/bbs/one_m_1.gif" width=19 align=absMiddle border=0></A></DIV></TD> <TD noWrap><FONT style="FONT-SIZE: 9pt" color=#7c7c7c>[2004/11/14]</FONT></TD></TR> <TR style="LINE-HEIGHT: 110%"> <TD noWrap> <IMG height=19 alt="" src="http://cafeimg.hanmail.net/cf_img/icon01.gif" width=19 align=absMiddle border=0><BR></TD> <TD style="PADDING-RIGHT: 4px" noWrap><A class=link_board_02 href="xxxxjavascript:;" xxxxonclick="showSideView(this, 'NVhOasbWnd10', 'VhjmVZnv_dU0', '막깡')"></XSCRIPT> <FONT color=#3e8822>막깡 </FONT></A></TD> <TD width="100%">감사합니다...많은 도움 됬어요.<A href="xxxxjavascript:DeleteShortComment(4)"> <IMG height=15 alt=.. src="https://t1.daumcdn.net/daumtop_deco/icon/image.hanmail.net/hanmail/cf_img/one_x.gif" width=15 align=absMiddle border=0></A></TD> <TD noWrap><FONT style="FONT-SIZE: 9pt" color=#7c7c7c>[2004/11/15]</FONT></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>