Chapter 7 Bankruptcy Á¦ 7 Àå ÆÄ»ê
If filing for bankruptcy is a possibility for a debtor in order to get out of a financial crisis and start anew, then Chapter 7 of the Bankruptcy Code will be the way to do it a bit faster. Çϱâ À§Çؼ´Â ±ÝÀ¶ À§±â¸¦ ºüÁ® ³ª°¡¾ßÇÏ°í »õ·Ó°Ô ½ÃÀÛ ÈÄ 7 Àå ÆÄ»ê ÄÚµåÀÇ Á» ´õ »¡¸® ÇÒ ¹æ¹ýÀÌ µÉ °ÍÀÌ´Ù ÆÄ»ê ½ÅûÀ»ÇÏ´Â °æ¿ì 乫ÀÚ¿¡ ´ëÇÑ °¡´É¼ºµµ ¹èÁ¦ÇÒ ¼ö ¾ø´Ù. Under Chapter 7 of the Bankruptcy Code all property which is considered to be non-exempt will be sold and the proceeds distributed to the creditors. Á¦ 7 Àå ÆÄ»ê ÄÚµåÀÇ ¾Æ·¡¿¡ÀÖ´Â ¸ðµç Àç»êÀÌ ¾Æ´Ñ °ÍÀ¸·Î °£Áֵ˴ϴ٠- ÆÇ¸ÅµÇ¸ç ¼öÀͱÝÀº ä±Ç´Ü¿¡°Ô ¹èÆ÷ ¸éÁ¦. In most cases where Chapter 7 is brought into question there will be no assets to lose so it will be really faster. Á¦ 7 Àå Áú¹®¿¡ ´ëºÎºÐÀÇ °æ¿ì¿¡¼´Â ÀÌ¹Ì ±×·¸°Ô µÉ Á¤¸» »¡¸® ÀÒ°Ô µÉ °¡Á®¾ø´Â ÀÚ»êÀÌ´Ù.
This method is also referred to as liquidation as you will turn your assets into money. ´ç½ÅÀÌ µ·À» ´ç½ÅÀÇ ÀÚ»êÀ» Â÷·Ê·Î ¿¹Á¤ÀÌ ¹æ¹ýÀº ¶ÇÇÑ Ã»»êÀ̶ó°íµµÇÕ´Ï´Ù. Chapter 7 Bankruptcy is the most well-liked form of bankruptcy filing and will makes up about 65% of all bankruptcy filings. Á¦ 7 Àå ÆÄ»ê ÆÄ»ê ½ÅûÀÇ ÇüŰ¡ °¡Àå Àß - ÁÁ¾ÆÇß´Ù°ú ÀÇÁö¸¦ ¸ðµÎ ÆÄ»êÀÇ 65 %¿¡ ´ëÇØÇÕ´Ï´Ù.
As mentioned earlier, it is one of the faster ways; especially if you don¡¯t have to get other asset owners involved. ¾Õ¿¡¼ ¼³¸íÇßµíÀÌ, ±×°ÍÀ» ÇϳªÀÇ ºü¸¥ ¹æ¹ýÀÇ ÇϳªÀ̸ç, ƯÈ÷ ÇùÁ¶¸¦ ¾òÀ¸¸é ´Ù¸¥ ÀÚ»ê ¼ÒÀ¯ÀÚ Çʿ䰡¾ø½À´Ï´Ù. Chapter 7 will let you get rid of your debts in months of the attorney filing a bankruptcy petition as opposed to years that go along with filing for Chapter 13. Á¦ 7 ÀåÇÏ°Ô ´ç½ÅÀÌ ´ç½ÅÀÇ ºúÀ»ÀÇ ¼Ò¿ø´ë·Î ³â º¯È£»ç°¡ Á¦ 13 Àå ÆÄ»ê ½Åû ¼·ùÀÇ ´Þ¿¡ ÇÔ²² °¡±â·Î ¹Ý´ë »©½Ã¿À.
This kind of bankruptcy functions through obtaining a trustee to collect all of your non-exempt property, sell the assets and distribute proceeds from this sale to appropriate creditors on your behalf and you won¡¯t have to pay them in order to do it. ½ÅŹ ÃëµæÀ» ÅëÇØ ÆÄ»ê ÇÔ¼öÀÇ Á¾·ù - ¸éÁ¦ Àç»êÀÌ ÆÇ¸Å ÀÌ¿ÜÀÇ ¸ðµç ÀÚ»êÀ» ¼öÁýÇÏ°í »ç¿ëÀÚ¸¦ ´ë½ÅÇÏ¿© ÀûÀýÇÑ Ã¤±Ç´ÜÀÌ ¸Å°¢ ´ë±ÝÀ» ¹èÆ÷ÇÏ°í ´ç½ÅÀ» À§ÇØ ÇÒ ±×µéÀ» ÁöºÒÇÒ Çʿ䵵¾ø´Â °ÍÀÌ´Ù. Most of the time this implies that you will lose all your assets, so it will be better for you to think before you do it. ´ç½ÅÀÌ ´ç½ÅÀÇ ¸ðµç Àç»êÀ» ÀҰԵȴ٠Çϱâ±îÁöÀÇ ½Ã°£, ±×·¡¼ ´ç½ÅÀ» À§ÇØ ´ç½ÅÀÌ ÇÒ »ý°¢Çϱâ Àü¿¡ ´õ ÁÁÀ» °ÍÀÔ´Ï´Ù ´ëºÎºÐ.
Under Chapter 7 Bankruptcy, the debtor will receive a discharge on all dischargeable debts. éÅÍ 7 ¾ð´õÆÄ ÆÄ»ê, 乫ÀÚÀÇ ¸ðµç 乫¿¡ ´ëÇÑ dischargeable ¹æÀüÀ»¹ÞÀ» °ÍÀÌ´Ù. Some of these debts include: child support, taxes and student loans that are discharged under Chapter 7 Bankruptcy. ÀÌ·¯ÇÑ ºÎäÀÇ ÀϺθ¦ Æ÷ÇÔ : ¾Æµ¿ Áö¿ø, ¼¼±Ý ¹× Á¦ 7 ¾ð´õÆÄ ÆÄ»ê Á¦´ëÇÏ´Â Çлý À¶ÀÚ.
An further advantage with Chapter 7 bankruptcy is that through signing a reaffirmation agreement you will be able to continue to pay for a car loan or a mortgage. éÅÍ 7 ÆÄ»êµÇ´Â Ãß°¡ ÀÌÁ¡À» ÅëÇØ ÀÚµ¿Â÷ ´ëÃâÀ̳ª ¸ð±âÁö »óȯÀ» °è¼ÓÇÒ ¼öÀְԵȴ٠ÀçÈ®ÀÎ °è¾à¿¡ ¼¸íÇß´Ù. This agreement will be put in place because as per the US Government Bankruptcy Code a debtor could be allowed to retain some or the entirety of his property. ÀÌ °è¾à Àå¼Ò¿¡ ³Ö¾îÁö°ÔµÈ´Ù ÄÚµå´Â ÀÌÀ¯·Î ¹Ì±¹ Á¤ºÎ°¡ ÆÄ»ê 乫ÀÚ ÀÚ½ÅÀÇ Àç»êÀÇ ÀϺΠ¶Ç´Â Àüü¸¦ À¯ÁöÇÒ ¼öÀÖÀ» ¼öÀÖ´Â °ÍÀ¸·Î ³ªÅ¸³µ´Ù.
The best kind of people for this type of bankruptcy plan are those that don¡¯t have a steady cash income. ÆÄ»êÀÇÀÌ À¯Çü¿¡ ´ëÇÑ »ç¶÷µéÀÇ °¡Àå Å« Á¾·ùÀÇ °èȹÀº ±× ¼ÒµæÀÌ ¾ÈÁ¤ÀûÀÎ Çö±ÝÇÏÁö ¾Ê½À´Ï´Ù. To file under this condition, you will have to get a lawyer to represent you in court and simply do as they advise. ÀÌ Á¶°Ç ¾Æ·¡ÀÇ ÆÄÀÏÀ»ÇÏ·Á¸é, ´ç½ÅÀÌ ¹ýÁ¤¿¡¼ ´ëÇ¥ º¯È£»ç¸¦ ¸¸³ª°ÔÇÏ°í ±×µéÀÇ Á¶¾ðÀ» °£´ÜÇÏ°Ô ÇÒ °ÍÀÌ´Ù. Make sure the information you provide is always complete and accurate. È®½ÇÇϰԴ Ç×»ó ¿ÏÀüÇϰí Á¤È®ÇÑ Á¤º¸¸¦ Á¦°øÇÕ´Ï´Ù.
Find out more on how to successfully recover from bankruptcy: Getting Yourself Out of Debt ÆÄ»ê¿¡¼ ¼º°øÀûÀ¸·Î º¹±¸ÇÏ´Â ¹æ¹ý : ¾øÀ½ 乫ÀÇ ¹æ¹ý¿¡ ´ëÇÑ ÀÚ¼¼ÇÑ ½º½º·Î ã±â