zerodebtcanada-sunniejung > 자주하는 질문 (FAQ)]]> <![CDATA[캐나다 한인포털 해피코리아 > zerodebtcanada-sunniejung > 자주하는 질문 (FAQ)]]> zerodebtcanada-sunniejung > 자주하는 질문 (FAQ)]]> zerodebtcanada-sunniejung > 자주하는 질문 (FAQ) http://happykorea.ca/comm 제공, All rights reserved.]]> Sun, 26 Jun 2022 15:45:16 Sun, 26 Jun 2022 15:45:16 <![CDATA[개인회생변제금 결정과 1차파산 vs 2차파산 비교]]> 개인회생시에 얼마의 채무변제금을 내야하는가?
그리고
채무탕감율과 변제금의 결정요인은 무엇인가?

상기 질문에 따른 답변은 여러가지 요인들이 있겠으나, 그중에 하나로 개인회생자 또는 회생자 가족수와 소득원 및 총수입과 밀접한 상관관계가 있습니다. 또한, 예전의 파산기록 유무에 따라 개인회생 변제금이 영향을 받고 다시 파산을 할것인지 아니면 파산대안책으로 개인회생을 할 것인지가 결정되어질 수 있습니다.

이에 1차 파산과 2차 파산의 경우를 아래 도표와 같이 비교 정리해서 사전 이해를 도와드립니다. 참고로, 
3 파산인 경우에는 파산법원의 rule  따르게 되어있습니다.

분류

잉여수입

압류재산 유무

있음 (200 미만)

없음 (200 이상)

없음

있음

1 파산

§  파산비용 $1,800

($225 x 8 mths)

§  파산기간 9개월

§  면책 9개월째 가능

§  기본 파산비용 + 잉여소득의 50%

§  파산기간 21개월

§  면책 21개월째 가능

§  파산비용 $1,800

§  면제재산은 압류없이 보존

§  압류재산 Non-Exempt Assets 압류후 환가되어 채권자에게 분배

Credit

Report

파산종료후  7년간 R9으로 크레딧 리포트에 기록 보존

2 파산

§  파산비용 $2,700 ($225 x 12 mths)

§  파산기간 2

§  면책 24 개월째 가능

§  기본 파산비용 + 잉여소득의 50%

§  파산기간 3

§  면책 36 개월째 가능

§  파산비용 $2,700

§  면제재산은 압류없이 보존

§  압류재산 Non-Exempt Assets 압류후 환가되어 채권자에게 분배

Credit

Report

파산종료후  14년간 R9으로 크레딧 리포트에 기록 보존


개인회생의 변제금 및 탕감율 결정요인과 성공적 채무청산의 관건은 법정 압류재산  면제재산 유무, 최저생계비, 잉여수입  소득, 가족수, 과거 파산기록 유무 등의 요인들과 상관관계가 있습니다.  개인이나 사업자의 파개인회생변제금은 산출이 상당히 복잡다양해   있으므로 Personal Financial Assessment  통해 정확한 자격심사와 평가가 가능합니다

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca   

]]>
Sat, 21 May 2016 13:18:51
<![CDATA[2016 캐나다 최저생계비 및 잉여소득 제한금액 (Surplus Income Limits)]]> 법정 최저생계비 (Bankruptcy Threshold)   아래의 도표처럼 가족수에 따라 달라지게 됩니다. 매년 발표되는 파산감독국의 최저생계비 기준에 의해서 월소득에 대한 잉여수입의 유무가 결정되고 잉여소득 발생에 따라서 파산비용과 파산기간이 정해지는 것 뿐만아니라, 개인회생의 채무변제금과 채무탕감율에도 직접적 영향을 미치는 결정적 요인으로 작용합니다.

2016 캐나다 최저생계비 기준

Surplus Income Limits (잉여 소득 제한금액)

Family Size ()

Income Threshold

1

$ 2,089

2

$ 2,601

3

$ 3,197

4

$ 3,882

5

$ 4,403

6

$ 4,965

7+

$ 5,528

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca   

 

]]>
Sat, 21 May 2016 13:03:04
<![CDATA[급여압류해지, 임금압류 해제 방법 Stop a Wage Garnishment]]>

Q14.  급여압류 해지방법, 임금압류 해제방법  How to Stop a Wage Garnishment 

 

 

다양한 이유로 인해 해마다 수천명의 캐나다 직장인들의 급여가 압류당하고 있습니다. 

캐나다에서 급여에 압류가 들어오는 경우는  국세청의 세금미납으로 인해 (CRA Wage Garnishments),  자녀 양육비 미지급으로 인한 가정책임관리국의 압류명령으로 (Garnishment Order By Family Responsibility Office, FRO),  카드연체  대출상환 불이행으로 법원 임금압류명령서에 의해서 (Garnishee Order by Court),  신용조합의 임금채권양도권에 의해 (Assignment of Wages of Credit Union),  사금융대출회사에 서명해준 자발적 임금채권양도계약서 (Voluntary Wage Assignment of Payday Loan Lender) 등의 결과로 발생됩니다. 이중 가장 흔히   있는 임금압류는 미납된 세금부채로 인한 캐나다 국세청의 체납처분자에 대한 강제징수인 임금  소득압류 입니다.


이와같이
 채무변제불능에 처한 채무자를 상대로 채권자는 채무자의 재산을 압류하는 절차를 진행하게 됩니다. 특히, 채무자가 직장인일 경우 급여압류하는 것을 시작으로 통장압류 그리고 부동산, 비지니스에 담보권  유치권 설정 등을 해서 강제집행의 압류수위를 높이게 됩니다. 다른 채권자들과는 달리, 국세청의 경우 급여압류와 함께 월급이 들어오는 통장압류를 동시에 진행하는 것이 일반적입니다.


급여압류가
 들어오면 채무자는 생계에 직접적 타격을 받기 때문에 상당한 경제적 어려움에 직면하게 되니, 신속하게 압류해지 하는 방법을 찾아보시는 것이 급선무입니다. 현재, 급여의 상당부분이 압류를 당했거나 향후 조만간 급여압류에 대한 우려와 위협이 있다면 어떻게 해야 할까요?

 

캐나다에서 급여압류, 임금차압을 해제하는 방법으로 4가지 해결책이 있습니다. 

1.    100% 채무 변제하는 방법.

2.    채권자와 협상해서 채무를 지불하는 방법.

3.    개인회생절차.

4.    파산선고.

 

임금압류는 법적 절차이며, 채무변제를 모두   없다면, 급여압류를 해제하기 위해서는 직접 채무자가 채권자와 협상해서 채무상환하는 방법과, 캐나다 연방정부 채무청산제도인 개인회생절차와 파산면책으로 중지금지명령에 의해 월급압류를 자동 해제하는 방법이 있습니다 (Automatic Stay of Proceedings).



캐나다 연방정부 채무청산 프로그램이란 무엇인가요 Federal Government Program


파산보호법’ (Bankruptcy & Insolvency Act) 하에 회생파산절차를 통해 심각한 재정문제에 직면한 채무자들에게 채무청산과 더불어 법적보호장치를 제공해서 채권자의 추심행위를 막아주고, 고통없이 채무자가 새출발해서 다시 경제적 재기의 발판을 마련할  있도록 도와주는 법적 절차입니다.


법적보호장치
 (Legal Protection) 이란, 구체적으로 채권자의 채권추심에 대한 금지중지명령 (Stay of Proceedings)  가리키며, 이는 파산과 회생  제도에 모두 적용됩니다. 법적보호조치 발효시기는, 개인회생 또는 파산절차의 법적 서류에 서명하자 마자 바로 국세청을 포함한 모든 채권자들의 급여압류  그밖의 채권추심행위들이 일괄적으로 중지금지 되어집니다.


캐나다
 개인회생은 부채통합 (Debt Consolidation)  흡사하며, 채무조정, 채무통합, 채무탕감을 통해서 무이자 최대 70% 이상까지 채무원금 자체를 탕감해서 월소액변제금으로 최장 5년의 변제기간 동안   있게 도와주는 채무청산제도 입니다. 개인회생은 보호해야할 재산이 많거나 소득이 많은 채무자에게 유리하며, 파산없이 혹은 파산대안책으로 채무청산과 함께 신용회복을 모색하는 채무자들에게 무엇보다 효율적이고 합리적인 빚청산 해결책입니다.


급여압류
 해지의 관건은 신속한 대처이며 생각보다 어렵지 않습니다. 현재 들어온 급여압류와 향후 그럴 우려와 위협이 있는 경우, 법의 보호를 받고 채무도 함께 청산   있도록 처음부터 올바르게  시작하시는 것이 중요합니다. 우선, 실력있고 경험이 풍부한 채무조정전문인과의 비공개상담을 통해 자격요건과 혜택, 채무청산의 옵션들을 알아보신  조속히 임금압류를 풀수 있도록 조치하셔야 겠습니다. 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca      

 

]]>
Wed, 9 Mar 2016 10:37:47
<![CDATA[면제재산과 청산가치보장의 원칙은 무엇인가요?]]>

Q13.  면제재산과 청산가치보장의 원칙은 무엇인가? 


 


 

면제재산 이란 채무자가 파산신청시 가지고 있던 재산들 가운데 일부 재산이 압류당하지 않고 면제받아 자유재산으로 인정되는 재산입니다.  면제재산은 파산후 채무자가 새출발을 시작해서 품위유지  기본생활 보존을 위해 필요한 최소재산 이라고   있습니다 (Exempt Property).

 

청산가치  캐나다에서 채무자가 파산할 경우 파산절차에서 채권자가 배당받을  있는 가치,  파산비용 Bankruptcy Cost  의미합니다. 채무자의 비면제재산을 매각자본으로 환가해서 채권자에게 변제를 위해 배분되는 금액을 말합니다 (Liquidation Value).

                                                           

청산가치보장원칙 | 청산가치절대우선원칙 이란 개인회생절차에서 채무자가 채권자에게 변제해야  최소한의 상환금이 청산가치 이상의 변제를 보장해주어야 한다는 원칙을 말합니다. 개인회생 채무변제안의 변제금은 상기 파산비용 (청산가치총액) 보다 적당히 혹은 공평하게 많아야하 변제계획인가에 유리합니다 (Principle of Guaranteed Liquidated Value). 따라서 개인회생시 변제금 결정은 개인차가 현저하며 변제금 결정요인은 복잡다양하게 계산되므로 반드시 사전상담이 필수입니다.


캐나다
 전국에 걸쳐 다년간 파산 회생을 상담해드리고 도와드리면서 채무자들이 가장 많이 하는 질문들 가운데 하나는 파산신청을 해도 집, 자동차, 비지니스 등 재산을 계속 소유할 수 있는지?”  대한 문의입니다. 원활한 이해를 위해 다음의 2가지 사례로 설명드립니다.
  

[ 사례 1] 이씨 부부, 세탁소 운영  Dry Cleaning Depot


이씨
 부부는 값비싼 시설과 장비가 없는 Dry Cleaning Depot 세탁소를 동업으로 운영하는데, 지속되는 매출저하로 비지니스가 나날이 힘들고 인건비는 커녕 생활비 조차 벌기 힘든 재정위기에 직면한 상태입니다. 이에  비지니스의 재산가치는 없거나 있어도 미미한 정도로 간주됩니다. 부동산은 부부 공동명의의 원베드 콘도에서 살고 있는데, 현재  모기지, 재융자 모두 합해서  280,000 있고, 콘도시세는  300,000 정도입니다. 자동차는 리스 한대, 할부 한대가 있고, 금융재산은 없고, 생명보험은  부부가 수혜자로 지정되어 있습니다. 채무상태를 보면  부부가 개인이름으로 그리고 공동명의로 혼합해서 사용한 많은 크레딧 카드빚, 신용대출, 마이너스 통장, 사채 등으로 월 최소이자만 갚다가 얼마전부터 연체되어 채권자들로 부터 심한 빚독촉에 시달리고 있습니다. 이에, 부부가 회생 또는 파산 가운데 유리한 쪽으로 간절한 빚정리를 원하셨습니다.


이씨
 부부가 파산신청을 하면, , 자동차, 비즈니스를 모두 지키면서 아무것도 잃어버리지 않고 빚만을 청산할  있습니다. 이유는 비면제재산은 있으나 청산가치가 없는, 즉 에퀴디 (순자산)가 전혀 없는 상태이기 때문입니다. 따라서 콘도와 자동차는 담보채무 (Secured Debt)  종전과 동일하게 월모기지와 자동차 할부금을 연체없이 내면서 계속 사용할  있습니다. 물론 개인회생도 가능합니다.


마지막으로, 두분은
 각각 개인파산을 해서 파산비용 1,800불로 모든 무담보채무를 면책받아 청산했습니다. 9개월째 빚탕감 졸업장 Certificate of Compliance  받아서 성공적 자동면책으로 파산종료가 되었습니다. 

 

[사례 2] 박씨 부부, 세탁공장  Dry Cleaning Plant


반면
, 박씨 부부는 세탁공장을 운영하고 있지만, 경영악화와 지속된 적자로 비지니스의 자산가치는 하락 중에 있습니다. 아내 소유의 집은 현재 시세가 550,000 정도이고 모기지는  450,000  남아 있습니다. 부부가 갚아야할 무담보채무가 각각 150,000 그리고 100,000불 입니다. 

 

옵션 1: 개인파산

만약 부부가 각각 파산을 하면, 개인당 파산비용은 기본파산비용 + 비면제재산 으로, 상기 이씨 부부의 경우와는 달리, 박씨 부부는 소유한 집과 비지니스에 에퀴디가 있기 때문에 파산시 법정 면제재산의 면제금만 매각자본에서 제외되고 나머지는 채권자들에게 변제를 위해 분배됩니다. 이처럼 가진 재산을 몽땅 털어서도 채무가 갚아지지 않는다면  부족액은 파산제도에 의해 면책되어 탕감됩니다.


옵션
 2: 개인회생

그러나 만약 박씨 부부가 재산압류없이 재산을 지키면서 채무만 청산하기를 원한다면, 파산대안책으로 개인회생절차를 고려해 볼수있습니다. 이때 주의사항으로, 개인회생 채무변제안의 변제금은 상기 파산비용 보다 적당히 혹은 공평하게 많아야하고, 최소한 청산가치 이상은 채권자에게 변제를 보장해주어야 한다는 원칙이 있습니다 (청산가치보장원칙). 

옵션
 3: 개인회생과 개인파산

뺏앗길 재산이  적고, 채무가  많고, 향후 지속적 수입이 없는 배우자는 개인파산을, 그리고 다른 한쪽 배우자는 개인회생절차를 각각 달리해서 신청할  있습니다. 이때 개인회생이 합리적인 배우자는, 채무액은 적고 앞으로 계속적 일정한 소득이 있어서 변제능력을 입증할  있는 쪽이 되겠습니다. 마지막으로, 박씨 부부의 경우 아내는 개인회생으로 채무변제와 재산을 지킬  있었고, 남편은 개인파산을 신청해서 파산면책으로 모든 무담보 채무가 탕감되었습니다.

 

그러나 일반적으로 파산사례들은 상기  경우 가운데 어딘가 쯤에 해당되는 경우가 많고, 훨씬 복잡 다양할  있습니다.  채무자의 고유하고 특수한 상황에 따라서 청산방법의 선택과 결과가 현저히 상이하며, 개별 상담후에만 정확한 자격진단과 분석  해결책을   있습니다


힘들게
 파산회생신청을 고려하고 진행을 결심하셨다면, 무엇보다 가장 많은 법의 혜택을 받는 것이 중요합니다. 이에, 채권자 대표가 아닌 채무자의 대변인으로 전문 채무조정인의 도움이 필수입니다. 혹자는 파산관재인이 채무자를 대변하고 도와준다 라고 오해하고 있는데, 캐나다에서 파산관재인의 의무는 채권자를 위하여 일하고, 채권자에게 최소의 금전적 손실을 위해 그리고 최대의 경제적 이득을 돌려주기 위해서 라이센스를 받았습니다. 파산관재인은 절대로 채무자가 재산을 보호하고 압류당하지 않도록 조언과 충고를 해줄  없는 것이 규정이고, 이에 반한다면, 파산관재인 면허위반 행위로 파산감독국에 의해 라이센스를 정지 당하거나 뺏앗길  있는 위험한 행동입니다. 파산신청에 앞서서 채무자를 위해 진정으로 일해줄  있는 경험 풍부한 채무조정전문인의 도움이  필요한 만큼 좋은 전문가의  도움을 받아 성공적 채무청산을 하시기를 다시 한번 강조합니다.

     캐나다에서 파산관재인 Bankruptcy Trustee, Trustee in Bankruptcy, Officer of Court 라고 부릅니다.

     파산관재인은 채권자 권익을 위해 일하도록 라이센스를 받고, 절대로 채무자의 대변인이 되지 못합니다.

     이는 파산관재인 면허위반 행위로 파산감독국에 의해 징계  라이센스 정지를 받을  있습니다.

     자사는 채권자가 아닌 채무자를 대변해드리고 채무자의 법적 권리을 위해 최선을 다해 일하며, 채무청산 절차를 진행함에 있어서 채무자를 권익을 절대적으로 옹호해드립니다.

     또한,  채무회사들과는 달리 파산관재인 (채권자 대변인) 을 위해 일하지 않습니다.

 

개인, 법인, 스몰 비지니스, 자영업자의 채무문제, 사업실패로 인한 각종 크레딧카드 부채, 국세청 체납세금  모든 무담보 채무청산, 신용회복  채무조정, 부채청산과 관련한 개인회생  파산면책의 방법, 절차, 자격요건, 서류심사, 비용, 장단점  상세사항을 알고싶으시면, 지금 바로 저희 ZERODebt  CANADA Inc  ()캐나다채무청산희망플러스 에서 채무조정스페설리스트로 일하고있는 법무사 써니 에게 문의해주세요. 철저한 비공개 무료채무상담을 통해서 부채청산의 옵션들을 설명해드리고 가장 알맞는 솔루션을 찾아서 채무자의 대변인으로서 채무자의 권익을 최대 옹호해 드립니다. 또한, 풍부한 실무경험과 탁월한 법적 노하우를 바탕으로 오로지 채무자지향적 최대 책임 만족서비스를 제공해드리기 위해 언제나 최선을 다하고 있습니다

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca      

 

 

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Thu, 3 Mar 2016 13:02:11
<![CDATA[채무자의 일정한 재산에 대하여 면제재산이라는 것이 있는데 무엇인가요? Exempt Assets in Bankruptcy]]>

Q12.  채무자의 일정한 재산에 대하여 면제재산 이라는 것이 있는데 무엇인가요? 


 


Exempt Assets in Bankruptcy


 

 

캐나다 파산법의 주요 원칙  하나는 감당할  없이 과중한 채무문제로 고통받는 채무자들에게 부채청산과 더불어 다시 경제적 재정적 새출발을 하고 재기하도록 기회를 부여받을 권리를 보장합니다.  새출발의 일환으로, ‘maintain dignity & support a basic lifestyle’  위해, 파산후에도 채무자의 품위 유지  기본 생활을 지원하기에 충분한 일부 재산 (면제재산) 파산과 상관없이 채무자가 유지 보존할  있게 소위 자유재산  남겨줍니다. 이는 또한, 캐나다 파산보호법 (BIA) 재활법 (Rehabilitative Act)  기본 정신을 두고, 징벌/체벌법 (Punitive Act)  아님을 시사합니다. 따라서, 채무자에게 새로운 시작을 위한 기회를 보장해주는 법취지에 의거해서 파산자의 면제재산은 보호됩니다.

파산절차에 들어가면 채무자의 일정한 재산은 법적으로 파산법원 소속의 파산관재인 (Trustee in Bankruptcy) 에게 소유권이 넘어가며, 파산관재인은  비면제재산들을 매각자본으로 처분하여 그로부터 나온 수익금 (Dividends)  채권자들의 권익을 위해 분배합니다. 보통은 채무자가  빚이 가진 재산보다  경우가 대부분이기 때문에 자가파산 신청을 통해 가진 모든 재산을 팔아서 채무를 정리해도 빚이 갚아지지 않기 때문에 파산보호법 통해 나머지 갚지 못한 채무가 면책되는 것이 파산제도 입니다. 실제로 대부분의 파산신청자들은 파산으로 인해 압류당해 뺏앗길 만한 재산이 거의 없고, 설사 있다고 하더라도 법정 면제재산들만 있어서 파산해도 거의 모든 재산이 유지되는 경우가 많습니다.

 

면제재산  Exempt Property | Exempt Assets in Bankruptcy


파산하더라도
 보호받는 재산인 면제재산 Exempt Property종류에 대한 설명입니다. 면제재산별 면제한도 금액, 세부사항은  주의 법령과 규정에 따라 상이합니다.

1.    Clothing & personal effects  의류, 개인용품, 소지품, 대부분 면제대상.

2.    Food, fuel, household furniture & effects (furnishings, appliances)  식품, 연료, 가구, 가전, 전기제품, 부엌살림, 대부분 면제대상.

3.    Motor vehicle  일인당 한대 차량의 일정한도 에퀴티.

4.    Principal residence  부동산, 실거주 주택의 일정한도 에퀴티.

5.    Tools of Trade  사업장비, 기구, 한도액유

6.    Life insurance  생명보험, 대부분 면제대상.

7.    Health aids  의료기구, 대부분 면제대상.

8.    Pensions and RRSPs  연금과 은퇴적금 (, 지난 12개월간의RRSPs  제외),

9.    Family papers, portraits, medals, other decorations, and documents  채무자  가족의 훈장, 포장, 기장, 서류, 족보, 사진첩, 액자. 


힘들게 파산신청을 고려하고 진행을 결심하셨다면, 무엇보다 가장 많은 법의 혜택을 받는 것이 중요합니다. 이에, 채권자 대표가 아닌 채무자의 대변인으로 전문 채무조정인의 도움이 필수입니다. 혹자는 파산관재인이 채무자를 대변하고 도와준다고 오해하고 있는데, 캐나다에서 파산관재인의 의무는 채권자를 위해여 일하고, 채권자에게 최대의 금전적 이득을 돌려주기 위해서 라이센스를 받았습니다. 절대로 파산관재인은 채무자가 재산을 보호하고 압류당하지 않도록 조언과 충고를 해줄  없는데, 이는 면허위반 행위로 파산감독국에 의해 라이센스를 정지 당하거나 뺏앗길  있는 위험한 행동이기 때문입니다. 파산신청에 있어서 채무자를 위해 일해줄  있는 경험 풍부한 채무조정전문인의 도움이  필요한 만큼, 좋은 전문가의  도움을 얻으시기를 다시 한번 강조합니다.


     캐나다에서 파산관재인 Bankruptcy Trustee, Trustee in Bankruptcy, Officer of Court 라고 부릅니다.

     파산관재인은 채권자 권익을 위해 일하도록 라이센스를 받고, 절대로 채무자의 대변인이 되지 못합니다.

     이는 파산관재인 면허위반 행위로 파산감독국에 의해 징계  라이센스 정지를 받을  있습니다.

     자사는 채권자가 아닌 채무자를 대변해드리고 채무자의 법적 권리을 위해 최선을 다해 일하며, 채무청산 절차를 진행함에 있어서 채무자를 권익을 절대적으로 옹호해드립니다.

     또한,  채무회사들과는 달리 파산관재인 (채권자 대변인) 을 위해 일하지 않습니다.

 

개인, 법인, 스몰 비지니스, 자영업자의 채무문제, 사업실패로 인한 각종 크레딧카드 부채, 국세청 체납세금  모든 무담보 채무청산, 신용회복  채무조정, 부채청산과 관련한 개인회생  파산면책의 방법, 절차, 자격요건, 서류심사, 비용, 장단점  상세사항을 알고싶으시면, 지금 바로 저희 ZERODebt  CANADA Inc  ()캐나다채무청산희망플러스 에서 채무조정스페설리스트로 일하고있는 법무사 써니 에게 문의해주세요. 철저한 비공개 무료채무상담을 통해서 부채청산의 옵션들을 설명해드리고 가장 알맞는 솔루션을 찾아서 채무자의 대변인으로서 채무자의 권익을 최대 옹호해 드립니다. 또한, 풍부한 실무경험과 탁월한 법적 노하우를 바탕으로 오로지 채무자지향적 최대 책임 만족서비스를 제공해드리기 위해 언제나 최선을 다하고 있습니다. 무료자격심사  무료재무평가서를 보내드리니 지금 바로 전화하세요. 무료채무상담전화 1-888-510-ZERO (9376) 또는 647-560-HOPE (4673); 빠른 이메일 상담은 sjung@zero-debtcanada.com  자세한 정보는 저희 웹사이트 www.zero-debtcanada.com  www.4debtors.ca   www.facebook.com/ZeroDebtCanada   방문해주세요.

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca      

 

 

]]>
Thu, 3 Mar 2016 13:00:36
<![CDATA[[준주] 유콘 (YT) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Yukon]]> Yukon – Exempt Property   유콘 준주 면제재산 및 면제금액


[
참고] 유콘이 캐나다 전국 통틀어서 회생파산시 면제재산의 한도액' 이 최저로 가장 야박하다고   있습니다.

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

12 months’

supply

식품, 연료의 향후 12개월간 공급분.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰.

Household Furniture & Effects

가구, 가전, 살림

$200

Furnishings and appliances; utensils, equipment.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Principal Residence

부동산 순자산 (Equity)

$3,000

주거지 주택, 건물의 홈에퀴디 금액.

Tools of Trade

(통합적)

$600

Tools and animals of your trade, including motor vehicle.

개인, 직업, 비지니스에 필요한 장비, 설비, 기계 그리고 가축과 자동차, 트럭 모두 통괄적으로 전체 600불만 면제해줌. (캐나다 최저 면제재산 한도액)

Health Aids

의료기구

None

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

RRSPs

은퇴적금

 Almost

RRSP’s associated with life insurance policies.

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions. (Excluding recent contributions in 12 months).

모든 은퇴적금 (, 지난 12개월 이내에 불입한 것은 제외).

 

1.    Food and fuel: twelve months’ supply.

2.    Clothing: unlimited.

3.    Household furniture and appliances: up to $200.

4.    Tools and animals of your trade, including motor vehicle: up to $600.

5.    Principal residence: up to $3,000.

6.    Health aids: none.

7.    RRSP’s associated with life insurance policies.

8.    Exemptions are in effect for all registered retirement savings plans (RRSP’s, RRIF’s and DPSP’s (Deferred Profit Sharing Plans) EXCEPT contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS).

 

§  There will be no upper cap on the amount of RRSPs that can be protected. There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption.

§  The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

 


 

Statute: Read the Yukon Exemptions Act.

 

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca   

]]>
Wed, 2 Mar 2016 01:44:52
<![CDATA[[준주] 누나부트 (NU) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Nunavut]]> Nunavut (NU) – Exempt Property   누나부트 준주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

12 months’

supply

식품, 연료의 향후 12개월간 공급분.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰.

Household Furniture & Effects

가구, 가전, 살림

Unlimited

Furnishings and appliances; utensils, equipment.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle

차량 한대

Unlimited

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence

부동산 순자산 (Equity)

$35,000

Principal residence (including a mobile home) per name on title.

모바일홈 포함한 주거지 주택, 건물의 실소유주 일인당 홈에퀴디 금액.

Tools of Trade

사업장비, 기구

Unlimited

Ordinarily use for personal, business, profession.

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Hunting Tools

 

Unlimited

사냥도구.

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

RRSPs

은퇴적금

All

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions. (Excluding recent contributions in 12 months).

모든 은퇴적금 (, 지난 12개월 이내에 불입한 것은 제외).

 

 

1.    Food and fuel: twelve months’ supply.

2.    Clothing: unlimited.

3.    Household furniture and appliances: unlimited.

4.    Tools of the trade and hunting tools: unlimited.

5.    Principal residence: up to $35,000.

6.    Motor vehicle: unlimited.

7.    Health aids: unlimited.

8.    All registered retirement savings plans (RRSP’s, RRIF’s and DPSP’s (Deferred Profit Sharing Plans).

§  There will be no upper cap on the amount of RRSPs that can be protected however contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS).

§  There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption.

§  The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

 

The above exemptions for the territories do not apply if:

§  You are behind on child or spousal support payments.

§  You have absconded or are about to abscond from territories leaving no spouse or family behind.

 

Statute: Read the Nunavut amendments to Exemptions Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca   

 

 

]]>
Wed, 2 Mar 2016 01:44:00
<![CDATA[[준주] 노스웨스트 (NT) 테리토리 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Northwest Territories ]]> Northwest Territories (NWT) – Exempt Property


노스웨스트 준주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

12 months’

supply

식품, 연료: 향후 12개월간 공급분

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰.

Household Furniture & Effects

가구, 가전, 살림

$5,000

 

Furnishings and appliances; utensils, equipment.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle

차량 한대

$6,000

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence

부동산 순자산 (Equity)

$50,000

Principal residence (including a mobile home) per name on title. 모바일홈을 포함한 주거주 주택, 건물의 실소유주 일인당 홈에퀴디 금액 (캐나다 전체주 가운데 가장 높은 부동산 면제금액).

Tools of Trade

사업장비, 기구

$12,000

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Hunting Tools

 

$15,000

사냥도구.

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

RRSPs

은퇴적금

All

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions. (Excluding recent contributions in 12 months).

모든 은퇴적금 (, 지난 12개월 이내에 불입한 것은 면제재산에서 제외).

 

1.    Food and fuel: twelve months’ supply.

2.    Clothing: unlimited.

3.    Household furniture and appliances: up to $5,000.

4.    Tools of the trade: up to $12,000.

5.    Hunting tools: up to $15,000.

6.    Principal residence: up to $50,000 (including a mobile home) per name on title.

7.    One motor vehicle up to $6,000

8.    Health aids: unlimited.

9.    Social allowance, handicap benefit or a widow’s pension if the proceeds from the payment are not intermingled with any other of your funds.

10.  All registered retirement savings plans (RRSP’s, RRIF’s and DPSP’s (Deferred Profit Sharing Plans).

§  There will be no upper cap on the amount of RRSPs that can be protected however contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS).

§  There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption.

§  The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

 

The above exemptions for the territories do not apply if:

§  You are behind on child or spousal support payments.

§  You have absconded or are about to abscond from the territories leaving no spouse or family behind.

 

 

Statute: Read the NWT Exemptions Act.

 

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca   

 

 

]]>
Wed, 2 Mar 2016 01:41:28
<![CDATA[프린스에드워드아일랜드 (PE) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Canada]]> Prince Edward Island (PEI) – Exempt Property


프린스에드워드아일랜드 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$2,000

Furnishings and appliances; utensils, equipment, food, fuel.

가구, 가전제품, 부엌살림, 생활장비, 조명기구, 식품, 연료

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$6,500

(직업관련)

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

§  One motor vehicle (needed for occupation): up to $6,500.

§  Any motor vehicle: up to $3,000.

Principal Residence

부동산 순자산 (Equity)

None

House, condo.

주택, 콘도 홈에퀴디 금액.

Tools of Trade

사업장비, 기구

$2,000

Ordinarily use for personal, business, profession

$29,100 for farmers.

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Farm property

(Other)

$5,000

Seed for up to 100 acres, other up to $5,000.

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

RRSPs

은퇴적금

Unlimited

RRSPs with beneficiary a family member: no dollar limit.

은퇴적금 수혜자가 직계가족이면 면제재산.

  

1.    Food, fuel, household furniture, appliances: up to $2,000.

2.    Clothing: no dollar limit.

3.    One motor vehicle (needed for occupation): up to $6,500.

§  Any motor vehicle owned by the debtor not exceeding $3,000 in value

4.    Health aids: no dollar limit.

5.    Tools of your trade: up to $2,000.

6.    Farm property: seed for up to 100 acres, other up to $5,000.

7.    Principal residence: none.

8.    RRSPs with beneficiary a family member: no dollar limit.

 

If you are behind on child or spousal support payments, the above exemptions do not apply to any item but tools of your trade.

Statute: Read the Judgment and Execution Act and the Personal Property Security Act.
We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca   

 

 

]]>
Wed, 2 Mar 2016 01:40:20
<![CDATA[뉴펀들랜드 래브라도 (NL) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Newfoundland & Labrador]]> Newfoundland & Labrador – Exempt Property


뉴펀들랜드 래브라도 주 면제재산 및 면제금액

 

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

12 months’

supply

식품, 연료: 향후 12개월간 공급분

Personal Effects

개인용품, 소지품

 

$4,000

 

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$4,000

 

Furnishings and appliances; utensils, equipment.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$2,000

Car, truck, etc. One motor vehicle: up to $2,000.

일인당 한대의 자동차 또는 트럭 .

Principal Residence 

부동산 순자산 (Equity)

$10,000

주택, 콘도 소유주 일인당의 홈에퀴디 금액.

Tools of Trade

사업장비, 기구

$10,000

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Tools of Trade

농업, 어업 종사자

$10,000

Farm or fishing or aquaculture property

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Pensions & RRSPs

연금과 은퇴적금

Certain types

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions.

 

1.    Food and fuel: twelve months’ supply.

2.    Clothing: up to $4,000.

3.    Household furniture and appliances: specific types, up to $4,000

4.    One motor vehicle: up to $2,000

5.    Health aids: No dollar limit.

6.    Farm or fishing or aquaculture property: up to $10,000.

7.    Principal residence: up to $10,000.

8.    Pets.

9.    Items of sentimental value: up to $500.

10.  Certain pension plans.

11.  Certain income.

12.  Tools of your trade: up to $10,000.

§  Personal property used by and necessary for the debtor to earn income from his or her occupation, trade, business or calling to a value not exceeding $10,000.

§  Where the debtor’s primary occupation is farming, personal property, including agricultural products, ordinarily used by and necessary for the debtor to earn income from farming to a value not exceeding $10,000.

§  Where the debtor’s primary occupation is fishing, personal property ordinarily used by and necessary for the debtor to earn income from fishing to a value not exceeding $10,000.

§  Where the debtor’s primary occupation is aquaculture, personal property ordinarily used by and necessary for the debtor to earn income from aquaculture to a value not exceeding $10,000.

 
 

Statute: Read the Judgment Enforcement Act and Regulations and the Personal Property Security Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in Newfoundland & Labrador.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca   

]]>
Wed, 2 Mar 2016 01:38:55
<![CDATA[서스캐처원 (SK) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Saskatchewan]]> Saskatchewan – Exempt Property   서스캐처원 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

Until the next

harvest

다음 추수까지의 식품, 연료.

Personal Effects

개인용품, 소지품

 

$7,500

 

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$4,500

 

Furnishings and appliances. Or $10,000 for a farm.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$10,000

일인당 한대의 자동차 또는 트럭 .

Principal Residence 부동산 순자산 (Equity)

$32,000

주택, 콘도 소유주 일인당의 홈에퀴디 금액. See below.

Homestead provided it is not more than one 160 acres.

Tools of Trade

사업장비, 기구

$4,500

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Life Insurance

생명보험

Certain

Exempt if preferred beneficiaries

직계가족이 수혜자 (Beneficiary) 경우 대부분의 생명보험 (Term, Universal, Whole Life)  면제대상.

Health Aids

의료기구

None

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Pensions & RRSPs 

연금과 은퇴적금

Unlimited

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions.

 

Exempt Property for Non-Farmers:

1.    Food and fuel: cash equivalent of supply until the next harvest.

2.    Clothing, including jewelry, up to $7,500 in value.

3.    Household furniture and appliances: up to $4,500 (or $10,000 for a farm).

4.    One motor vehicle (needed for occupation): no dollar limit or up to $10,000.

5.    Health aids: none.        

6.    Tools of your trade: up to $4,500.

7.    Principal residence: up to $32,000 ($64,000 if jointly owned) to a maximum of $128,000 if held by four parties.

8.    Homestead provided it is not more than one 160 acres.

9.    All retirement savings plans: RRSPs, RRIFs,  DPSPs & Pensions: Unlimited

10.  Certain life insurance policies.

11.  Pets up to a value of $2,000.

12.  Prepaid Funeral Services.

13.  Funds that were received as the result of compensation for injury.

 

Exempt Farm Property for Farmers:

1.    The cash equivalent of produce sufficient to provide food and fuel for heating until the next harvest.

2.    All livestock, farm machinery and equipment, including one car or truck, necessary for the next twelve months operations.

3.    One motor vehicle, if required for business or profession, but not in addition to the one above.

4.    Seed grain equal to two bushels per acre of land under cultivation.

5.    Any trailer that is occupied by the farmer as living quarters and not in addition to the house and buildings already exempt.

6.    Cash equivalent of crop equal to:

 

§  Unpaid harvesting costs;

§  Living expenses to next harvest;

§  Necessary costs of farming until next harvest.

 

7.    Any trailer that is occupied by the farmer as living quarters and not in addition to the house and buildings already exempt.

 

Statute: Read the Exemptions Act and the Saskatchewan Farm Security Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in Saskatchewan.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca   

]]>
Wed, 2 Mar 2016 01:37:49
<![CDATA[노바스코샤 (NS) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Nova Scotia]]> Nova Scotia – Exempt Property   노바스코샤 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

Unlimited

식품, 연료.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$6,500

 

Furnishings and appliances. More in some cases.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$3,000

OR

$6,500

 

Car, truck, etc. One motor vehicle: up to $3,000, or up to $6,500 if needed in occupation.

일인당 한대의 자동차 또는 트럭 .

Principal Residence 부동산 순자산 (Equity)

None

주택, 콘도 소유주 일인당의 홈에퀴디 금액 제로.

Tools of Trade

사업장비, 기구

$1,000

 

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자,  밖에 이에 준하는 신체보조기구  의료기구.

Pensions & RRSPs 연금과 은퇴적금

 Almost

Most pension plans and RRSPs (excluding recent contributions in 12 months). 대부분 연금, 은퇴적금 (, 지난 12개월 이내에 불입한 RRSPs 제외).

 

 

 

1.    Food and fuel: no dollar limit.

2.    Clothing: no dollar limit.

3.    Household goods: up to $6,500, more in some cases.

4.    One motor vehicle: up to $3,000, or up to $6,500 if needed in occupation.

5.    Health aids: no dollar limit.

6.    Principal residence: none.

7.    Tools of any occupation: up to $1,000.

§  Farm equipment, fishing nets, tools and implements used in debtor's chief occupation, not exceeding $1,000.

8.    Seeds and livestock for domestic use: no dollar limit.

9.    RRSPs:

  • Effective July 7, 2008 exemptions are in effect for all registered retirement savings plans (RRSP's, RRIF's and DPSP's (Deferred Profit Sharing Plans).

  • Except, contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS);

  • There will be no upper cap on the amount of RRSPs that can be protected;

  • There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption;

  • The court will have no jurisdiction to extend the one year claw back period in an appropriate case.

Statute: Read the Judicature Act and Regulations and the Personal Property Security Act.

We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in Nova Scotia.

 

     [저작권자©ZeroDebt Canada Inc. ()캐나다채무청산희망플러스무단복제 및 전재-재배포 금지]     

상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다.    

본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer  통해서 상담을 하시기 바랍니다.    

Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

법무사 SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com     

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca   

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Wed, 2 Mar 2016 01:36:33
<![CDATA[뉴브런즈윅 (NB) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in New Brunswick]]> New Brunswick – Exempt Property   뉴브런즈윅 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

3 개월분

식품, 연료.

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품,  밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰  개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$5,000

 

Furnishings and appliances.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$6,500

 

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence

부동산 순자산 (Equity)

None

주택, 콘도 소유주 일인당의 홈에퀴디 금액 제로’.

Tools of Trade

사업장비, 기구