신속채무조정특례 지원조건Mini Genie
There are three types of credit recovery committee debt adjustment. This is quick debt before delinquency, free work, and personal work. Quick debt adjustment and free work (advance debt adjustment) before delinquency do not reduce the principal, but only the interest rate can be adjusted. For personal work, the interest may be fully reduced and the principal may also be reduced.
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The Credit Recovery Committee’s debt adjustment system is for those who have difficulty repaying normally because the debt is so large that it cannot be sustained. Credit recovery methods such as extension of the repayment period, installment repayment, interest rate adjustment, repayment deferment, and debt reduction are used to help the debtor’s financial recovery. This is a system supported by the Recovery Committee.
View reviews of rapid debt adjustment agreements
There are five main types of debt restructuring. Of the five types, personal rehabilitation and personal bankruptcy are carried out in court, so we will only introduce the types that can be carried out by the Credit Recovery Committee.
In this post, we will introduce you to rapid debt adjustment (debt adjustment before delinquency).
You can apply for rapid debt adjustment if you are expected to be delinquent and the number of delinquent days is less than 30 days. Once debt restructuring is concluded, short-term delinquency information is not registered, which is an advantageous system for maintaining a credit life.
■ Even if all conditions are met, you can apply after 6 months if you have borrowed more than 30% of the total debt principal within the past 6 months.
However, if a debt that is less than 6 months old is used to repay an existing debt, the debt can be excluded.
In order to conclude debt restructuring before delinquency, the consent of more than 50% of all creditors whose debt is to be restructured must be obtained.
ex) Out of 100 million won in debt, more than 50 million won in debt must be agreed upon.
If the creditor’s disagreement exceeds 50%, you can adjust the interest rate and reapply.
Debts that cannot be included in rapid debt adjustment are as follows.
There are two ways to apply for rapid debt adjustment: non-face-to-face and face-to-face. For non-face-to-face applications, you can apply through the Credit Recovery Committee’s cyber counseling department or mobile app. For face-to-face applications, you can make an appointment to visit a branch of the Credit Recovery Committee and apply after consultation.
Reservation for a branch visit by the Credit Recovery Committee
We will share the materials needed to apply for rapid debt adjustment between in-person applications and cyber branch applications.
Documents required for debt adjustment
Both methods of applying for rapid debt adjustment incur an application fee of 50,000 won. Payment must be made within 1 week of submission. However, in special cases of rapid debt adjustment, the application fee is exempted.
Rapid debt adjustment (debt adjustment before delinquency) is a system that helps those who have temporary difficulty repaying their debt due to high interest rates. Unlike personal rehabilitation and personal bankruptcy, it is not carried out in court but by the Credit Recovery Committee.
If delinquency is expected due to unavoidable circumstances, we recommend using the rapid debt adjustment or special rapid debt adjustment system.
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