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Park Jai Hong law
파산법 : 파산을 통한 주택 차압의 연기
작성자: 박재홍 변호사
조회: 9111 등록일: 2023-01-03
파산법: 파산을 통한 주택 차압의 연기 이번 주에는 파산법에 대한 많은 분들의 중복되는 궁금증에 대하여 알아보는 시간을 가져 볼까 합니다 .
질문1 : 이번주에 foreclosure sale ( 차압 ) 인데 파산을 신청할수 있나요 ?
답1: 파산을 신청하면 차압이 정지되어서 지금 사시는 집에서 계속 거주하실수 있습니다 . 하지만 파산을 신청하시기전에 일단 foreclosure 날짜가 정해졌다면 뉴저지 경우 법적으로 2 주씩 두번 총 4 주를 연기할수 있는 권리가 있습니다 . 연기를 신청하기 위해서는 sheriff's office 에서 소액의 신청비용을 지불하면 4 주를 연기할수 있습니다 . 또한 4 주를 이미 쓰시고 차압 날짜가 매우 가까워 파산신청을 할수 없다고 생각하실 이유는 없습니다 . 이같은 긴급한 상황에서는 emergency petition( 긴급 신청 ) 을 일단 파일을 할수 있습니다 . 일반적으로 총 파산 신청서가 40-50 pages 가 넘을수 있으나 이 많은 신청서를 준비할 시간이 없다면 일단 파산 법원에서 요구하는 최소한 신청서 (10 page 가량 ) 를 제출하고 나머지 서류는 2 주정도 후에 제출하면 됩니다 . 이때 꼭 제출해야 하는 서류중 가장 중요한것은 credit counseling 를 수료한 증서로서 credit counseling 은 재정관리에 대한 class 로 파산 신청전에 인터넷으로 하실수 있습니다 . 1 시간 정도걸리고 한글로도 들으실수 있기에 파산을 신청을 결정 하시면 서둘러 하시면 되겠습니다 . 물론 파산절차가 마무리되기전에 은행쪽에서 파산법원에 foreclosure 를 다시 시작 할 수 있게 신청 (Motion to Lift Automatic Stay) 할 수 있게있어 다시 차압이 진행될수 있으나 파산 신청을 통해 차압을 연기해서 조금이라도 더 지금 사시는 집에서 계속 거주하실수 있습니다 .
질문2 : 파산 접수후 참석하는 341 미팅 (The Meeting of Creditors) 이란 무엇인가요 ?
답2: 파산을 하게 되면 판사를 직접 대면하는 대신 , 파산 신청 후 20 ~40 일 이내에 법원에서 선임한 파산 관재인 (Trustee) 을 만나게 됩니다 . 이것을 341 미팅 (The Meeting of Creditors) 이라고 부릅니다 . 이 341 미팅은 공공 정부 건물에서 행해지는 경우도 있지만 근처 호텔 컨퍼런스 룸을 빌려서 하는 경우도 많이 있습니다 .
법정에서와 같은 위축감이나 불편함을 조금이라도 줄일 수 있게하기 위한 방법이라고 할 수 있습니다 .
북부 뉴저지의 경우 뉴왁에 위치한 오피스 빌딩에서 만나게 됩니다 . 법정이 아닌 컨퍼런스 룸에서 미팅은 열리게 되는 것입니다 . 물론 이 미팅에는 당담 변호사가 동행을 하게 됩니다 . 파산을 신청한 분은 선서를 하고 여러 질문에 답을 하도록 되어 있습니다 . 사실 대로만 이야기 하면 문제는 없습니다 . 본인을 증명 할 수 있는 소셜 카드와 운전 면허증은 반드시 소지하셔야 합니다 . 만일 영어가 불편하시면 341 미팅에서 한국어 통역을 요청할수 있습니다 . 이 미팅은 약 10-15 분정도 소요 될 것입니다 .
341 미팅에서의 여러 질문들은 이미 파산 변호사와 검토 하셨던 질문들로 이루어질 것입니다 . 즉 , 파산하는 이유 , 파산 신청 자료에 적은 정보의 정확성 , 해외자산 유무등 입니다 . 드문 경우지만 341 미팅시 파산을 반대하는 채권자가 참석해서 파산 반대를 요청할수도 있습니다 . 예를 들어 채권자가 파산 신청자가 불법을 통해 돈을 빌렸거나 숨긴 재산등이 있다는 사실을 아는 경우 때문일 것입니다 .
341 미팅 몇칠전에는 최근 세금 보고서나 월급 명세서 , 모게지 빌 , Title, Deed 와 같은 서류를 Trustee 에게 보내게 됩니다 . 응급상황으로 341 미팅을 참석하지 못하게 된다면 반드시 연기신청 해야 합니다 . 그렇지 않으면 무효화 되기 때문입니다 . 날짜를 연기 신청하여 다른 날로 다시 잡는 것이 매우 중요하다고 할 수 있습니다 .
박재홍 변호사, 이민/파산/상법 전문
박재홍
변호사
JD,
MBA, LLM in Taxation
NJ,
NY, PA 주
변호사
Tel.
201-461-2380
박재홍 뉴욕, 뉴저지 파산 전문 변호사 (Tel. 201-461-2380)-JD, MBA, LLM in Taxation/NJ, NY & PA 변호사 140 Sylvan Ave, Suite 204 Englewood Cliffs, NJ 07632 카톡 상담 ID: jaihongpark1 Email: park@jparklawfirm.com
NY Office:150-05 Northern Blvd, 2nd Fl| Flushing | NY 11354
[ⓒ 뉴욕코리아( www.newyorkkorea.net ), 무단 전재 및 재배포 금지]
<p><br></p><div class="heading-block" style="box-sizing: border-box; margin-bottom: 50px; font-family: Lato, sans-serif; font-size: 14px; outline: none !important;"><h3 style="box-sizing: border-box; font-family: Raleway, sans-serif; line-height: 1.5; color: rgb(51, 51, 51); margin: 0px; font-size: 26px; text-transform: uppercase; letter-spacing: 1px; outline: none !important;"><br></h3><h3 style="box-sizing: border-box; font-family: Raleway, sans-serif; line-height: 1.5; color: rgb(51, 51, 51); margin: 0px; font-size: 26px; text-transform: uppercase; letter-spacing: 1px; outline: none !important;">파산법: 파산을 통한 주택 차압의 연기</h3></div><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: black;">이번</span> <span style="box-sizing: border-box; color: black;">주에는</span> <span style="box-sizing: border-box; color: black;">파산법에</span> <span style="box-sizing: border-box; color: black;">대한</span> <span style="box-sizing: border-box; color: black;">많은</span> <span style="box-sizing: border-box; color: black;">분들의</span> <span style="box-sizing: border-box; color: black;">중복되는</span> <span style="box-sizing: border-box; color: black;">궁금증에</span> <span style="box-sizing: border-box; color: black;">대하여</span> <span style="box-sizing: border-box; color: black;">알아보는</span> <span style="box-sizing: border-box; color: black;">시간을</span> <span style="box-sizing: border-box; color: black;">가져</span> <span style="box-sizing: border-box; color: black;">볼까</span> <span style="box-sizing: border-box; color: black;">합니다</span><span style="box-sizing: border-box; color: black;">.</span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: black;">질문1 : </span><span style="box-sizing: border-box; color: black;">이번주에</span> <span style="box-sizing: border-box; color: black;">foreclosure sale (</span><span style="box-sizing: border-box; color: black;">차압</span><span style="box-sizing: border-box; color: black;">) </span><span style="box-sizing: border-box; color: black;">인데</span> <span style="box-sizing: border-box; color: black;">파산을</span> <span style="box-sizing: border-box; color: black;">신청할수</span> <span style="box-sizing: border-box; color: black;">있나요</span><span style="box-sizing: border-box; color: black;">?</span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: black;">답1: </span><span style="box-sizing: border-box; color: black;">파산을</span> <span style="box-sizing: border-box; color: black;">신청하면</span> <span style="box-sizing: border-box; color: black;">차압이</span> <span style="box-sizing: border-box; color: black;">정지되어서</span> <span style="box-sizing: border-box; color: black;">지금</span> <span style="box-sizing: border-box; color: black;">사시는</span> <span style="box-sizing: border-box; color: black;">집에서</span> <span style="box-sizing: border-box; color: black;">계속</span> <span style="box-sizing: border-box; color: black;">거주하실수</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">하지만</span> <span style="box-sizing: border-box; color: black;">파산을</span> <span style="box-sizing: border-box; color: black;">신청하시기전에</span> <span style="box-sizing: border-box; color: black;">일단</span><span style="box-sizing: border-box; color: black;">foreclosure</span><span style="box-sizing: border-box; color: black;">날짜가</span> <span style="box-sizing: border-box; color: black;">정해졌다면</span> <span style="box-sizing: border-box; color: black;">뉴저지</span> <span style="box-sizing: border-box; color: black;">경우</span> <span style="box-sizing: border-box; color: black;">법적으로</span> <span style="box-sizing: border-box; color: black;">2</span><span style="box-sizing: border-box; color: black;">주씩</span> <span style="box-sizing: border-box; color: black;">두번</span> <span style="box-sizing: border-box; color: black;">총</span> <span style="box-sizing: border-box; color: black;">4</span><span style="box-sizing: border-box; color: black;">주를</span> <span style="box-sizing: border-box; color: black;">연기할수</span> <span style="box-sizing: border-box; color: black;">있는</span> <span style="box-sizing: border-box; color: black;">권리가</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">연기를</span> <span style="box-sizing: border-box; color: black;">신청하기</span> <span style="box-sizing: border-box; color: black;">위해서는</span> <span style="box-sizing: border-box; color: black;">sheriff's office </span><span style="box-sizing: border-box; color: black;">에서</span> <span style="box-sizing: border-box; color: black;">소액의</span> <span style="box-sizing: border-box; color: black;">신청비용을</span> <span style="box-sizing: border-box; color: black;">지불하면</span> <span style="box-sizing: border-box; color: black;">4</span><span style="box-sizing: border-box; color: black;">주를</span> <span style="box-sizing: border-box; color: black;">연기할수</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">또한</span> <span style="box-sizing: border-box; color: black;">4</span><span style="box-sizing: border-box; color: black;">주를</span> <span style="box-sizing: border-box; color: black;">이미</span> <span style="box-sizing: border-box; color: black;">쓰시고</span> <span style="box-sizing: border-box; color: black;">차압</span> <span style="box-sizing: border-box; color: black;">날짜가</span> <span style="box-sizing: border-box; color: black;">매우</span> <span style="box-sizing: border-box; color: black;">가까워</span> <span style="box-sizing: border-box; color: black;">파산신청을</span> <span style="box-sizing: border-box; color: black;">할수</span> <span style="box-sizing: border-box; color: black;">없다고</span> <span style="box-sizing: border-box; color: black;">생각하실</span> <span style="box-sizing: border-box; color: black;">이유는</span> <span style="box-sizing: border-box; color: black;">없습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">이같은</span> <span style="box-sizing: border-box; color: black;">긴급한</span> <span style="box-sizing: border-box; color: black;">상황에서는</span> <span style="box-sizing: border-box; color: black;">emergency petition(</span><span style="box-sizing: border-box; color: black;">긴급</span> <span style="box-sizing: border-box; color: black;">신청</span><span style="box-sizing: border-box; color: black;">) </span><span style="box-sizing: border-box; color: black;">을</span> <span style="box-sizing: border-box; color: black;">일단</span> <span style="box-sizing: border-box; color: black;">파일을</span> <span style="box-sizing: border-box; color: black;">할수</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">일반적으로</span> <span style="box-sizing: border-box; color: black;">총</span> <span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">신청서가</span> <span style="box-sizing: border-box; color: black;">40-50 pages</span><span style="box-sizing: border-box; color: black;">가</span> <span style="box-sizing: border-box; color: black;">넘을수</span> <span style="box-sizing: border-box; color: black;">있으나</span> <span style="box-sizing: border-box; color: black;">이</span> <span style="box-sizing: border-box; color: black;">많은</span> <span style="box-sizing: border-box; color: black;">신청서를</span> <span style="box-sizing: border-box; color: black;">준비할</span> <span style="box-sizing: border-box; color: black;">시간이</span> <span style="box-sizing: border-box; color: black;">없다면</span> <span style="box-sizing: border-box; color: black;">일단</span> <span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">법원에서</span> <span style="box-sizing: border-box; color: black;">요구하는</span> <span style="box-sizing: border-box; color: black;">최소한</span> <span style="box-sizing: border-box; color: black;">신청서</span> <span style="box-sizing: border-box; color: black;">(10 page</span><span style="box-sizing: border-box; color: black;">가량</span><span style="box-sizing: border-box; color: black;">)</span><span style="box-sizing: border-box; color: black;">를</span> <span style="box-sizing: border-box; color: black;">제출하고</span> <span style="box-sizing: border-box; color: black;">나머지</span> <span style="box-sizing: border-box; color: black;">서류는</span> <span style="box-sizing: border-box; color: black;">2</span><span style="box-sizing: border-box; color: black;">주정도</span> <span style="box-sizing: border-box; color: black;">후에</span> <span style="box-sizing: border-box; color: black;">제출하면</span> <span style="box-sizing: border-box; color: black;">됩니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">이때</span> <span style="box-sizing: border-box; color: black;">꼭</span> <span style="box-sizing: border-box; color: black;">제출해야</span> <span style="box-sizing: border-box; color: black;">하는</span> <span style="box-sizing: border-box; color: black;">서류중</span> <span style="box-sizing: border-box; color: black;">가장</span> <span style="box-sizing: border-box; color: black;">중요한것은</span> <span style="box-sizing: border-box; color: black;">credit counseling</span><span style="box-sizing: border-box; color: black;">를</span> <span style="box-sizing: border-box; color: black;">수료한</span> <span style="box-sizing: border-box; color: black;">증서로서</span> <span style="box-sizing: border-box; color: black;">credit counseling</span><span style="box-sizing: border-box; color: black;">은</span> <span style="box-sizing: border-box; color: black;">재정관리에</span> <span style="box-sizing: border-box; color: black;">대한</span> <span style="box-sizing: border-box; color: black;">class</span><span style="box-sizing: border-box; color: black;">로</span> <span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">신청전에</span> <span style="box-sizing: border-box; color: black;">인터넷으로</span> <span style="box-sizing: border-box; color: black;">하실수</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">. 1</span><span style="box-sizing: border-box; color: black;">시간</span> <span style="box-sizing: border-box; color: black;">정도걸리고</span> <span style="box-sizing: border-box; color: black;">한글로도</span> <span style="box-sizing: border-box; color: black;">들으실수</span> <span style="box-sizing: border-box; color: black;">있기에</span> <span style="box-sizing: border-box; color: black;">파산을</span> <span style="box-sizing: border-box; color: black;">신청을</span> <span style="box-sizing: border-box; color: black;">결정</span> <span style="box-sizing: border-box; color: black;">하시면</span> <span style="box-sizing: border-box; color: black;">서둘러</span> <span style="box-sizing: border-box; color: black;">하시면</span> <span style="box-sizing: border-box; color: black;">되겠습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">물론</span> <span style="box-sizing: border-box; color: black;">파산절차가</span> <span style="box-sizing: border-box; color: black;">마무리되기전에</span> <span style="box-sizing: border-box; color: black;">은행쪽에서</span> <span style="box-sizing: border-box; color: black;">파산법원에</span> <span style="box-sizing: border-box; color: black;">foreclosure</span><span style="box-sizing: border-box; color: black;">를</span> <span style="box-sizing: border-box; color: black;">다시</span> <span style="box-sizing: border-box; color: black;">시작</span> <span style="box-sizing: border-box; color: black;">할</span> <span style="box-sizing: border-box; color: black;">수</span> <span style="box-sizing: border-box; color: black;">있게</span> <span style="box-sizing: border-box; color: black;">신청</span> <span style="box-sizing: border-box; color: black;">(Motion to Lift Automatic Stay) </span><span style="box-sizing: border-box; color: black;">할</span> <span style="box-sizing: border-box; color: black;">수</span> <span style="box-sizing: border-box; color: black;">있게있어</span> <span style="box-sizing: border-box; color: black;">다시</span> <span style="box-sizing: border-box; color: black;">차압이</span> <span style="box-sizing: border-box; color: black;">진행될수</span> <span style="box-sizing: border-box; color: black;">있으나</span> <span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">신청을</span> <span style="box-sizing: border-box; color: black;">통해</span> <span style="box-sizing: border-box; color: black;">차압을</span> <span style="box-sizing: border-box; color: black;">연기해서</span> <span style="box-sizing: border-box; color: black;">조금이라도</span> <span style="box-sizing: border-box; color: black;">더</span> <span style="box-sizing: border-box; color: black;">지금</span> <span style="box-sizing: border-box; color: black;">사시는</span> <span style="box-sizing: border-box; color: black;">집에서</span> <span style="box-sizing: border-box; color: black;">계속</span> <span style="box-sizing: border-box; color: black;">거주하실수</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">.</span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: black;">질문2 : </span><span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">접수후</span> <span style="box-sizing: border-box; color: black;">참석하는</span> <span style="box-sizing: border-box; color: black;">341 </span><span style="box-sizing: border-box; color: black;">미팅</span> <span style="box-sizing: border-box; color: black;">(The Meeting of Creditors) </span><span style="box-sizing: border-box; color: black;">이란</span> <span style="box-sizing: border-box; color: black;">무엇인가요</span><span style="box-sizing: border-box; color: black;">? </span> </p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: black;">답2: </span><span style="box-sizing: border-box; color: black;">파산을</span> <span style="box-sizing: border-box; color: black;">하게</span> <span style="box-sizing: border-box; color: black;">되면</span> <span style="box-sizing: border-box; color: black;">판사를</span> <span style="box-sizing: border-box; color: black;">직접</span> <span style="box-sizing: border-box; color: black;">대면하는</span> <span style="box-sizing: border-box; color: black;">대신</span><span style="box-sizing: border-box; color: black;">, </span><span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">신청</span> <span style="box-sizing: border-box; color: black;">후</span> <span style="box-sizing: border-box; color: black;">20 ~40</span><span style="box-sizing: border-box; color: black;">일</span> <span style="box-sizing: border-box; color: black;">이내에</span> <span style="box-sizing: border-box; color: black;">법원에서</span> <span style="box-sizing: border-box; color: black;">선임한</span> <span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">관재인</span> <span style="box-sizing: border-box; color: black;">(Trustee)</span><span style="box-sizing: border-box; color: black;">을</span> <span style="box-sizing: border-box; color: black;">만나게</span> <span style="box-sizing: border-box; color: black;">됩니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">이것을</span> <span style="box-sizing: border-box; color: black;">341 </span><span style="box-sizing: border-box; color: black;">미팅</span> <span style="box-sizing: border-box; color: black;">(The Meeting of Creditors) </span><span style="box-sizing: border-box; color: black;">이라고</span> <span style="box-sizing: border-box; color: black;">부릅니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">이</span> <span style="box-sizing: border-box; color: black;">341 </span><span style="box-sizing: border-box; color: black;">미팅은</span> <span style="box-sizing: border-box; color: black;">공공</span> <span style="box-sizing: border-box; color: black;">정부</span> <span style="box-sizing: border-box; color: black;">건물에서</span> <span style="box-sizing: border-box; color: black;">행해지는</span> <span style="box-sizing: border-box; color: black;">경우도</span> <span style="box-sizing: border-box; color: black;">있지만</span> <span style="box-sizing: border-box; color: black;">근처</span> <span style="box-sizing: border-box; color: black;">호텔</span> <span style="box-sizing: border-box; color: black;">컨퍼런스</span> <span style="box-sizing: border-box; color: black;">룸을</span> <span style="box-sizing: border-box; color: black;">빌려서</span> <span style="box-sizing: border-box; color: black;">하는</span> <span style="box-sizing: border-box; color: black;">경우도</span> <span style="box-sizing: border-box; color: black;">많이</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">.</span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: black;">법정에서와</span> <span style="box-sizing: border-box; color: black;">같은</span> <span style="box-sizing: border-box; color: black;">위축감이나</span> <span style="box-sizing: border-box; color: black;">불편함을</span> <span style="box-sizing: border-box; color: black;">조금이라도</span> <span style="box-sizing: border-box; color: black;">줄일</span> <span style="box-sizing: border-box; color: black;">수</span> <span style="box-sizing: border-box; color: black;">있게하기</span> <span style="box-sizing: border-box; color: black;">위한</span> <span style="box-sizing: border-box; color: black;">방법이라고</span> <span style="box-sizing: border-box; color: black;">할</span> <span style="box-sizing: border-box; color: black;">수</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">.</span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: black;">북부</span> <span style="box-sizing: border-box; color: black;">뉴저지의</span> <span style="box-sizing: border-box; color: black;">경우</span> <span style="box-sizing: border-box; color: black;">뉴왁에</span> <span style="box-sizing: border-box; color: black;">위치한</span> <span style="box-sizing: border-box; color: black;">오피스</span> <span style="box-sizing: border-box; color: black;">빌딩에서</span> <span style="box-sizing: border-box; color: black;">만나게</span> <span style="box-sizing: border-box; color: black;">됩니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">법정이</span> <span style="box-sizing: border-box; color: black;">아닌</span> <span style="box-sizing: border-box; color: black;">컨퍼런스</span> <span style="box-sizing: border-box; color: black;">룸에서</span> <span style="box-sizing: border-box; color: black;">미팅은</span> <span style="box-sizing: border-box; color: black;">열리게</span> <span style="box-sizing: border-box; color: black;">되는</span> <span style="box-sizing: border-box; color: black;">것입니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">물론</span> <span style="box-sizing: border-box; color: black;">이</span> <span style="box-sizing: border-box; color: black;">미팅에는</span> <span style="box-sizing: border-box; color: black;">당담</span> <span style="box-sizing: border-box; color: black;">변호사가</span> <span style="box-sizing: border-box; color: black;">동행을</span> <span style="box-sizing: border-box; color: black;">하게</span> <span style="box-sizing: border-box; color: black;">됩니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">파산을</span> <span style="box-sizing: border-box; color: black;">신청한</span> <span style="box-sizing: border-box; color: black;">분은</span> <span style="box-sizing: border-box; color: black;">선서를</span> <span style="box-sizing: border-box; color: black;">하고</span> <span style="box-sizing: border-box; color: black;">여러</span> <span style="box-sizing: border-box; color: black;">질문에</span> <span style="box-sizing: border-box; color: black;">답을</span> <span style="box-sizing: border-box; color: black;">하도록</span> <span style="box-sizing: border-box; color: black;">되어</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">사실</span> <span style="box-sizing: border-box; color: black;">대로만</span> <span style="box-sizing: border-box; color: black;">이야기</span> <span style="box-sizing: border-box; color: black;">하면</span> <span style="box-sizing: border-box; color: black;">문제는</span> <span style="box-sizing: border-box; color: black;">없습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">본인을</span> <span style="box-sizing: border-box; color: black;">증명</span> <span style="box-sizing: border-box; color: black;">할</span> <span style="box-sizing: border-box; color: black;">수</span> <span style="box-sizing: border-box; color: black;">있는</span> <span style="box-sizing: border-box; color: black;">소셜</span> <span style="box-sizing: border-box; color: black;">카드와</span> <span style="box-sizing: border-box; color: black;">운전</span> <span style="box-sizing: border-box; color: black;">면허증은</span> <span style="box-sizing: border-box; color: black;">반드시</span> <span style="box-sizing: border-box; color: black;">소지하셔야</span> <span style="box-sizing: border-box; color: black;">합니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">만일</span> <span style="box-sizing: border-box; color: black;">영어가</span> <span style="box-sizing: border-box; color: black;">불편하시면</span> <span style="box-sizing: border-box; color: black;">341 </span><span style="box-sizing: border-box; color: black;">미팅에서</span> <span style="box-sizing: border-box; color: black;">한국어</span> <span style="box-sizing: border-box; color: black;">통역을</span> <span style="box-sizing: border-box; color: black;">요청할수</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">이</span> <span style="box-sizing: border-box; color: black;">미팅은</span> <span style="box-sizing: border-box; color: black;">약</span> <span style="box-sizing: border-box; color: black;">10-15</span><span style="box-sizing: border-box; color: black;">분정도</span> <span style="box-sizing: border-box; color: black;">소요</span> <span style="box-sizing: border-box; color: black;">될</span> <span style="box-sizing: border-box; color: black;">것입니다</span><span style="box-sizing: border-box; color: black;">.</span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: black;">341 미팅에서의</span> <span style="box-sizing: border-box; color: black;">여러</span> <span style="box-sizing: border-box; color: black;">질문들은</span> <span style="box-sizing: border-box; color: black;">이미</span> <span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">변호사와</span> <span style="box-sizing: border-box; color: black;">검토</span> <span style="box-sizing: border-box; color: black;">하셨던</span> <span style="box-sizing: border-box; color: black;">질문들로</span> <span style="box-sizing: border-box; color: black;">이루어질</span> <span style="box-sizing: border-box; color: black;">것입니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">즉</span><span style="box-sizing: border-box; color: black;">, </span><span style="box-sizing: border-box; color: black;">파산하는</span> <span style="box-sizing: border-box; color: black;">이유</span><span style="box-sizing: border-box; color: black;">, </span><span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">신청</span> <span style="box-sizing: border-box; color: black;">자료에</span> <span style="box-sizing: border-box; color: black;">적은</span> <span style="box-sizing: border-box; color: black;">정보의</span> <span style="box-sizing: border-box; color: black;">정확성</span><span style="box-sizing: border-box; color: black;">, </span><span style="box-sizing: border-box; color: black;">해외자산</span> <span style="box-sizing: border-box; color: black;">유무등</span> <span style="box-sizing: border-box; color: black;">입니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">드문</span> <span style="box-sizing: border-box; color: black;">경우지만</span> <span style="box-sizing: border-box; color: black;">341</span><span style="box-sizing: border-box; color: black;">미팅시</span> <span style="box-sizing: border-box; color: black;">파산을</span> <span style="box-sizing: border-box; color: black;">반대하는</span> <span style="box-sizing: border-box; color: black;">채권자가</span> <span style="box-sizing: border-box; color: black;">참석해서</span> <span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">반대를</span> <span style="box-sizing: border-box; color: black;">요청할수도</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">예를</span> <span style="box-sizing: border-box; color: black;">들어</span> <span style="box-sizing: border-box; color: black;">채권자가</span> <span style="box-sizing: border-box; color: black;">파산</span> <span style="box-sizing: border-box; color: black;">신청자가</span> <span style="box-sizing: border-box; color: black;">불법을</span> <span style="box-sizing: border-box; color: black;">통해</span> <span style="box-sizing: border-box; color: black;">돈을</span> <span style="box-sizing: border-box; color: black;">빌렸거나</span> <span style="box-sizing: border-box; color: black;">숨긴</span> <span style="box-sizing: border-box; color: black;">재산등이</span> <span style="box-sizing: border-box; color: black;">있다는</span> <span style="box-sizing: border-box; color: black;">사실을</span> <span style="box-sizing: border-box; color: black;">아는</span> <span style="box-sizing: border-box; color: black;">경우</span> <span style="box-sizing: border-box; color: black;">때문일</span> <span style="box-sizing: border-box; color: black;">것입니다</span><span style="box-sizing: border-box; color: black;">.</span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: black;">341 미팅</span> <span style="box-sizing: border-box; color: black;">몇칠전에는</span> <span style="box-sizing: border-box; color: black;">최근</span> <span style="box-sizing: border-box; color: black;">세금</span> <span style="box-sizing: border-box; color: black;">보고서나</span> <span style="box-sizing: border-box; color: black;">월급</span> <span style="box-sizing: border-box; color: black;">명세서</span><span style="box-sizing: border-box; color: black;">, </span><span style="box-sizing: border-box; color: black;">모게지</span> <span style="box-sizing: border-box; color: black;">빌</span><span style="box-sizing: border-box; color: black;">, Title, Deed</span><span style="box-sizing: border-box; color: black;">와</span> <span style="box-sizing: border-box; color: black;">같은</span> <span style="box-sizing: border-box; color: black;">서류를</span> <span style="box-sizing: border-box; color: black;">Trustee</span><span style="box-sizing: border-box; color: black;">에게</span> <span style="box-sizing: border-box; color: black;">보내게</span> <span style="box-sizing: border-box; color: black;">됩니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">응급상황으로</span> <span style="box-sizing: border-box; color: black;">341 </span><span style="box-sizing: border-box; color: black;">미팅을</span> <span style="box-sizing: border-box; color: black;">참석하지</span> <span style="box-sizing: border-box; color: black;">못하게</span> <span style="box-sizing: border-box; color: black;">된다면</span> <span style="box-sizing: border-box; color: black;">반드시</span> <span style="box-sizing: border-box; color: black;">연기신청</span> <span style="box-sizing: border-box; color: black;">해야</span> <span style="box-sizing: border-box; color: black;">합니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">그렇지</span> <span style="box-sizing: border-box; color: black;">않으면</span> <span style="box-sizing: border-box; color: black;">무효화</span> <span style="box-sizing: border-box; color: black;">되기</span> <span style="box-sizing: border-box; color: black;">때문입니다</span><span style="box-sizing: border-box; color: black;">. </span><span style="box-sizing: border-box; color: black;">날짜를</span> <span style="box-sizing: border-box; color: black;">연기</span> <span style="box-sizing: border-box; color: black;">신청하여</span> <span style="box-sizing: border-box; color: black;">다른</span> <span style="box-sizing: border-box; color: black;">날로</span> <span style="box-sizing: border-box; color: black;">다시</span> <span style="box-sizing: border-box; color: black;">잡는</span> <span style="box-sizing: border-box; color: black;">것이</span> <span style="box-sizing: border-box; color: black;">매우</span> <span style="box-sizing: border-box; color: black;">중요하다고</span> <span style="box-sizing: border-box; color: black;">할</span> <span style="box-sizing: border-box; color: black;">수</span> <span style="box-sizing: border-box; color: black;">있습니다</span><span style="box-sizing: border-box; color: black;">.</span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: rgb(0, 0, 0);">박재홍 변호사, 이민/파산/상법 전문</span></p><p><br></p><table width="100" align="left" class="left" id="community_image"><tbody><tr><td><img width="100" align="absmiddle" src="/rankup_module/rankup_board/attach/jaihongparklaw/14275722179774.jpg"></td></tr></tbody></table><p><br></p><p><br></p><p><br></p><p><br></p><p><br></p><p><br></p><p><br></p><div><span class="font" style="font-family: Lucida Sans Unicode;"><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: 바탕, Batang, serif;"><span class="size" style="font-size: 16px;"><span lang="ko-KR"><span style="font-weight: normal;"><strong><br></strong></span></span></span></span></span></span></div><div><span class="font" style="font-family: Lucida Sans Unicode;"><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: 바탕, Batang, serif;"><span class="size" style="font-size: 16px;"><span lang="ko-KR"><span style="font-weight: normal;"><strong><br></strong></span></span></span></span></span></span></div><div><span class="font" style="font-family: Lucida Sans Unicode;"><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: 바탕, Batang, serif;"><span class="size" style="font-size: 16px;"><span lang="ko-KR"><span style="font-weight: normal;"><strong><br></strong></span></span></span></span></span></span></div><div><span class="font" style="font-family: Lucida Sans Unicode;"><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: 바탕, Batang, serif;"><span class="size" style="font-size: 16px;"><span lang="ko-KR"><span style="font-weight: normal;"><strong>박재홍
변호사</strong> </span></span></span></span></span></span><br></div><div><span class="font" style="font-family: Lucida Sans Unicode;"><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: 바탕, Batang, serif;"><span class="size" style="font-size: 16px;"><span lang="ko-KR"><span style="font-weight: normal;"><strong><br></strong></span></span></span></span></span></span></div><p>
</p><div><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: Times New Roman, serif;"><span class="size" style="font-size: 16px;"><span lang="en-US"><span style="font-weight: normal;">JD,
MBA, LLM in Taxation </span></span></span></span></span><br></div><p>
</p><div><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: Times New Roman, serif;"><span class="size" style="font-size: 16px;"><span lang="en-US"><span style="font-weight: normal;">NJ,
NY, PA</span></span></span></span><span class="font" style="font-family: Lucida Sans Unicode;"><span class="font" style="font-family: 바탕, Batang, serif;"><span class="size" style="font-size: 16px;"><span lang="ko-KR"><span style="font-weight: normal;">주
변호사</span></span></span></span></span></span><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: Times New Roman, serif;"><span class="size" style="font-size: 16px;"><span lang="en-US"><span style="font-weight: normal;">
</span></span></span></span></span><br></div><p>
</p><div><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: Times New Roman, serif;"><span class="size" style="font-size: 16px;"><span lang="en-US"><span style="font-weight: normal;">Tel.
201-461-2380 </span></span></span></span></span><br></div><p>
</p><div><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: Times New Roman, serif;"><span class="size" style="font-size: 16px;"><span lang="en-US"><span style="font-weight: normal;">park@jparklawfirm.com<a href="http://mail2.daum.net/hanmail/mail/MailComposeFrame.daum?TO=park@jparklawfirm.com" target="emptyframe"><u><font color="#0066cc"> </font></u></a></span></span></span></span></span><br></div><p>
</p><div mousey="15" mousex="175"><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: Times New Roman, serif;"><span class="size" style="font-size: 16px;"><span lang="en-US"><span style="font-weight: normal;"><a href="http://www.jparklawfirm.com" target="_blank"><u><font color="#0066cc">www.jparklawfirm.com</font></u></a></span></span></span></span></span></div><p><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: Times New Roman, serif;"><span class="size" style="font-size: 16px;"><span lang="en-US"><span style="font-weight: normal;"><br></span></span></span></span></span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif; outline: none !important;"><span style="box-sizing: border-box; outline: none !important; color: rgb(0, 0, 0);">박재홍 뉴욕, 뉴저지 파산 전문 변호사 (Tel. 201-461-2380)-JD, MBA, LLM in Taxation/NJ, NY & PA 변호사<br style="box-sizing: border-box;">140 Sylvan Ave, Suite 204<br>Englewood Cliffs, NJ 07632<br style="box-sizing: border-box;">카톡 상담 ID: jaihongpark1<br style="box-sizing: border-box;">Email: </span><a href="mailto:park@jparklawfirm.com" rel="nofollow" style="box-sizing: border-box; background-color: transparent; color: rgb(26, 188, 156);"><span style="box-sizing: border-box; color: rgb(0, 0, 0);">park@jparklawfirm.com</span></a></p><p><span class="colour" style="color: rgb(0, 0, 0);"><span class="font" style="font-family: Times New Roman, serif;"><span class="size" style="font-size: 16px;"><span lang="en-US"></span></span></span></span></p><p style="box-sizing: border-box; margin-bottom: 30px; font-size: 15px; line-height: 1.8; font-family: Lato, sans-serif;"><span style="box-sizing: border-box; color: rgb(0, 0, 0);">NY Office:150-05 Northern Blvd, 2nd Fl| Flushing <strong style="box-sizing: border-box;"> </strong>| NY 11354</span></p><div mousey="15" mousex="175"><br></div><p><br></p><p class="바탕글"><span style="font-family: 맑은 고딕; font-size: 11pt; mso-ascii-font-family: 맑은 고딕; mso-hansi-font-family: 맑은 고딕;"><span style="color: rgb(0, 0, 0); font-family: verdana;"><font size="3"><span style="color: rgb(0, 0, 0); font-family: verdana;"><font color="#000000" size="3">[ⓒ 뉴욕코리아(</font><a style="color: rgb(53, 53, 53); text-decoration: none;" href="http://www.newyorkkorea.net/" target="_blank"><font color="#000000" size="3">www.newyorkkorea.net</font></a><font color="#000000"><font size="3"><font color="#000000">), 무단 전재 및 재배포 금지]</font></font></font></span></font></span></span></p>
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