[기타] 신용회복 중인데 개인회생이 떨어진다면?

<table id=cafe_editor_main_table_color bgColor='' cellpadding=0 cellspacing=0 border=0 width=100%><tr><td id=cafe_editor_main_table class=text><TABLE cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD class=bg_menu style="PADDING-LEFT: 14px" colSpan=2>[기타] 신용회복 중인데 개인회생이 떨어진다면? </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=2 height=1></TD></TR> <TR height=26> <TD style="PADDING-LEFT: 14px" width="100%">글쓴이 : <A class=link_board_02 xxonclick="showSideView(this, 'O22MUY349EA0', '', '신청희망');" href="xxjavascript:;">신청희망</A> </TD> <TD class=stext style="PADDING-RIGHT: 14px" noWrap>조회 : 268   스크랩 : 0   날짜 : 2005.01.22 10:29 </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=2 height=1></TD></TR></TBODY></TABLE> <TABLE cellSpacing=0 cellPadding=15 width="100%" border=0> <TBODY> <TR vAlign=top> <TD class=text style="PADDING-BOTTOM: 8px" width="100%" bgColor=#ffffff> <STYLE>P{margin-top:2px;margin-bottom:2px;}</STYLE> 지금 신용회복에 80만원씩 갚아 나가고 있습니다. 제가 만약 개인회생 신청해서 떨어 진다면 신용회복 자격도 상실되나요?   채권자목록 작성 <TABLE style="BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; WIDTH: 100%; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 4.95pt 0cm 4.95pt" cellSpacing=0 cellPadding=0 width="100%" border=1> <TBODY> <TR> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: windowtext 1.5pt solid; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 0.75pt solid; WIDTH: 8.66%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1.5pt solid; BACKGROUND-COLOR: transparent" width="8%" rowSpan=4> 롯데 캐피탈주)<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></TD> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: windowtext 1.5pt solid; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 34.62%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt" width="34%" colSpan=2> 2002.        3. 26 자<o:p></o:p> 캐시론대출금 1,000,000원<o:p></o:p></TD> <TD style="BORDER-RIGHT: windowtext 1.5pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: windowtext 1.5pt solid; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 52.3%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt" width="52%" colSpan=2> (주소)서울 강남구 삼성동 142-35 성담빌딩 14층<o:p></o:p> (전화) 02 –566-7600     (팩스)02-566-8432<o:p></o:p></TD></TR> <TR> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 67.5%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="67%" colSpan=3> 대출금잔액 1,057,484원 및 이에대한 2005.1.5 부터 완제일까지 연 33%의 비율에 의한 금원<o:p></o:p></TD> <TD style="BORDER-RIGHT: windowtext 1.5pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 19.42%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="19%"> □ 부속서류<o:p></o:p> (1, 2, 3, 4, 5, 6)<o:p></o:p></TD></TR> <TR style="HEIGHT: 24.6pt"> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 19.02%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; HEIGHT: 24.6pt; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="19%"> 1,057,484원<o:p></o:p></TD> <TD style="BORDER-RIGHT: windowtext 1.5pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 67.9%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; HEIGHT: 24.6pt; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="67%" colSpan=3> 거래내역확인서 참조(산정기준일 2005.1.5)<o:p></o:p></TD></TR> <TR style="HEIGHT: 20.95pt"> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 19.02%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1.5pt solid; HEIGHT: 20.95pt; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="19%"> 28,274원<o:p></o:p></TD> <TD style="BORDER-RIGHT: windowtext 1.5pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 67.9%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1.5pt solid; HEIGHT: 20.95pt; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="67%" colSpan=3> 거래내역확인서 참조(산정기준일 2005.1.5)<o:p></o:p></TD></TR></TBODY></TABLE>  이건 다른 사람이 올린건데... 저 연 이자율은 어떻게 계산 되나요? 그냥   <TABLE style="BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; WIDTH: 100%; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 4.95pt 0cm 4.95pt" cellSpacing=0 cellPadding=0 width="100%" border=1> <TBODY> <TR> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: windowtext 1.5pt solid; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 0.75pt solid; WIDTH: 8.66%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1.5pt solid; BACKGROUND-COLOR: transparent" width="8%" rowSpan=4> 롯데 캐피탈</TD> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: windowtext 1.5pt solid; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 34.62%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt" width="34%" colSpan=2> 신용대출  </TD> <TD style="BORDER-RIGHT: windowtext 1.5pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: windowtext 1.5pt solid; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 52.3%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt" width="52%" colSpan=2> (주소)서울 강남구 삼성동 142-35 성담빌딩 14층<o:p></o:p> (전화) 02 –566-7600     (팩스)02-566-8432<o:p></o:p></TD></TR> <TR> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 67.5%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="67%" colSpan=3> 대출잔액 100만원  (부속서류 첨부)</TD> <TD style="BORDER-RIGHT: windowtext 1.5pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 19.42%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="19%"> □ 부속서류<o:p></o:p> (1, 2, 3, 4, 5, 6)<o:p></o:p></TD></TR> <TR style="HEIGHT: 24.6pt"> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 19.02%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; HEIGHT: 24.6pt; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="19%"> </TD> <TD style="BORDER-RIGHT: windowtext 1.5pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 67.9%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 0.75pt solid; HEIGHT: 24.6pt; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="67%" colSpan=3>  </TD></TR> <TR style="HEIGHT: 20.95pt"> <TD style="BORDER-RIGHT: windowtext 0.75pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 19.02%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1.5pt solid; HEIGHT: 20.95pt; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="19%"> </TD> <TD style="BORDER-RIGHT: windowtext 1.5pt solid; PADDING-RIGHT: 4.95pt; BORDER-TOP: #c0c0c0; PADDING-LEFT: 4.95pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #c0c0c0; WIDTH: 67.9%; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1.5pt solid; HEIGHT: 20.95pt; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt" width="67%" colSpan=3> <o:p></o:p> </TD></TR></TBODY></TABLE>  이렇게만 쓰면 안되나요? 제가 가용소득으로 원금만 갚은다고 생각하고  따저 보니깐 70% 바께 갚지 못하는데... 위에꺼는 5년으로 계산 했거든요.....2005년 부터는 5년이 최장 기간 맞죠? 에휴~여기 답변 다시는 분들은 참 대단 하시네요 ㅜㅜ</TD></TR></TBODY></TABLE> <TABLE id=comments cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR vAlign=top> <TD noWrap width=25></TD> <TD style="PADDING-RIGHT: 7px" noWrap><A class=link_board_02 style="CURSOR: hand" xxonclick=xxjavascript:comments[0].viewMember(this) href="xxjavascript:;">박변호사</A></TD> <TD style="PADDING-RIGHT: 10px; WORD-BREAK: break-all" width="100%">개인워크아웃을 이행할 능력이 있으면 개인회생신청 자격이 없습니다. 님처럼 간단하게 작성하면 안됩니다. 5년 이내에 변제율 70%이면 변제율이 높은 편입니다. <A href="xxjavascript:comments[0].viewModify()"> <IMG height=11 alt=수정 src="http://cafeimg.hanmail.net/cf_img2/memo_btn_edit_02.gif" width=11 align=absMiddle border=0></A> <INPUT style="FONT-SIZE: 9pt" type=hidden name=emoticon_1><A href="xxjavascript:_del(1)"> <IMG height=11 alt=삭제 src="http://cafeimg.hanmail.net/cf_img2/memo_btn_remove_01.gif" width=11 align=absMiddle border=0></A> <A xxonclick=replyBox(1);return; href="xxjavascript:;"> <IMG height=11 alt="꼬리말에 코멘트" src="http://cafeimg.hanmail.net/cf_img2/bbs/icon_reply.gif" width=11 align=absMiddle border=0></A></TD></TR></TBODY></TABLE></tr></td></table>