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<title>동양자산관리대부 &amp;gt;  &amp;gt; 공지사항</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description>테스트 버전 0.2 (2004-04-26)</description>
<language>ko</language>


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<title>109246 한O탁님 주택경매 예정통지</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<div style="margin:0px 0px 30px;width:940px;line-height:1.7em;min-height:200px;padding:20px 0px;border-top:2px solid rgb(85,85,85);"><p style="background-color:rgb(255,255,255);"><span style="font-size:14pt;"><b>- 경매접수 예정일 2026.04.16</b></span></p><p style="background-color:rgb(255,255,255);"><span style="font-size:14pt;"><b>- 상세내용은 개별 안내드린 방법에 따라 첨부된 파일을 확인해 주시길 바랍니다. </b></span></p><p style="background-color:rgb(255,255,255);"><span style="font-size:14pt;"><br /></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">귀하의 대출이 현재까지 정상화되지 않아 아래의 주택에 대하여 경매실행 예정임을 알려드립니다<span lang="en-us" xml:lang="en-us">.</span></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-family:'돋움', Dotum;font-size:11pt;">※「개인금융채권의 관리 및 개인금융채무자의 보호에 관한 법률」제</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">8</span><span style="font-family:'돋움', Dotum;font-size:11pt;">조 및 동법 시행령 제</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">9</span><span style="font-family:'돋움', Dotum;font-size:11pt;">조</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">경매신청예정일까지 대출금이 정상화되지 않을 경우<span lang="en-us" xml:lang="en-us">, </span>부득이 아래 담보목적물에 대하여 </span><span style="font-size:11pt;font-family:'돋움', Dotum;">경매실행 예정임을 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">통지하오니 대출금 정상화 및 채무상환 등에 관한 상담을 원하시는 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">경우에는 채무조정 요청 가능 기한까지 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">채권 담당자에게 연락하여 주시기 바랍니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">.</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">또한<span lang="en-us" xml:lang="en-us">, </span>귀하의 도움이 될 수 있는 채무조정 지원제도에 대해서도 알려드리니<span lang="en-us" xml:lang="en-us">, </span>참고바랍니다</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;"><br /></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:18pt;font-family:'돋움', Dotum;"><b>                채무조정 지원제도 안내</b></span></p><table border="1" cellspacing="0" cellpadding="0" style="background-color:rgb(255,255,255);border-collapse:collapse;border:none;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><tbody><tr style="height:540.75pt;"><td width="663" style="width:497.2pt;border:1pt solid;padding:0cm 5.4pt;height:540.75pt;"><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">채무조정 요청권</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">「개인금융채권의 관리 및 개인금융채무자의 보호에 관한 법률」<span lang="en-us" xml:lang="en-us">(</span>이하<span lang="en-us" xml:lang="en-us"> “</span>「개인채무자보호법」”이라 한다<span lang="en-us" xml:lang="en-us">)</span>에 따라 채무 연체 발생시 채무자가 금융회사에 직접 채무조정을 요청할 수 있는 권리<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">「개인채무자보호법」에 명시된 채무조정 요청권에 대해 상세히 알려드리니<span lang="en-us" xml:lang="en-us">, </span>해당 사항이 있는 고객님께서는 당사 지점 또는 당사 콜센터<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">02-707-0001)</span>에 문의하여 주시기 바랍니다<span lang="en-us" xml:lang="en-us">.</span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">&lt;</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">참고<span lang="en-us" xml:lang="en-us"> : </span>채무조정 절차<span lang="en-us" xml:lang="en-us">&gt;</span></span></b></p><p><b></b></p><b></b><span style="font-family:'돋움', Dotum;"></span><div align="center"><span style="font-family:'돋움', Dotum;"></span><table border="1" cellspacing="0" cellpadding="0" width="643" style="width:482.05pt;border-collapse:collapse;border:none;text-align:justify;line-height:14.2667px;font-size:10pt;"><tbody><tr style="height:29.85pt;"><td width="117" style="width:87.6pt;border:1pt solid rgb(0,0,0);background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">①요청</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">②심사 및</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">결과통지</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">③동의</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">④채무조정서</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">작성</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.65pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">⑤합의</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td></tr><tr style="height:93.15pt;"><td width="117" style="width:87.6pt;border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:1pt solid rgb(0,0,0);border-top:none;padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사에 채무조정을 요청합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(</span><span style="font-size:7pt;font-family:'돋움', Dotum;">구비서류 제출<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">채무조정</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">심사 후 결과를 통지합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(10</span><span style="font-size:7pt;font-family:'돋움', Dotum;">영업일 이내<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사가 통지한 채무조정 내용에 대해 동의 여부를 결정합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(10</span><span style="font-size:7pt;font-family:'돋움', Dotum;">영업일 이내<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자가 동의한 채무조정내용에 대해 조정서를 작성합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.65pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">조정서에 날인하면 채무조정 합의가 성립됩니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td></tr></tbody></table><span style="font-family:'돋움', Dotum;"></span></div><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span style="font-size:11pt;font-family:'돋움', Dotum;">※</span><span style="font-size:11pt;font-family:'돋움', Dotum;"> 당사 대출 외에 타사 대출금에 대해서도 함께 채무조정을 희망하시는 분은 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span></span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">☎</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">1600-5500)</span><span style="font-size:11pt;font-family:'돋움', Dotum;">를 통해 상담 받으실 수 있습니다<span lang="en-us" xml:lang="en-us">.</span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신용회복위원회 채무조정</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">채무를 정상적으로 상환할 수 없는 과중 채무자를 대상으로 상환기간 연장<span lang="en-us" xml:lang="en-us">, </span>이자율 조정<span lang="en-us" xml:lang="en-us">, </span>채무감면 등을 통해 본인의 상환능력에 맞게 채무를 조정하는 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">신용회복위원회<span lang="en-us" xml:lang="en-us">(</span></span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">☎</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">1600-5500) </span><span style="font-size:11pt;font-family:'돋움', Dotum;">통해 상담 및 신청 가능<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">법원의 개인회생</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">채무를 정상적으로 상환할 수 없는 개인 채무자를 대상으로 채권자 등 이해관계인의 법률 관계를 조정함으로써 채무자의 효율적 회생과 채권자의 이익을 도모하기 위하여 마련된 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">대한법률구조공단<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">132) </span>또는 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">1600-5500) </span>통해 상담 및 신청 가능<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">법원의 개인파산·면책</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">자신의 재산으로 모든 채무를 변제할 수 없는 개인 채무자를 대상으로 법원이 모든 채권자가 평등하게 채권을 변제받도록 하고 채무자에게는 면책 절차를 통하여 남아있는 채무에 대한 변제 책임을 면제하는 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">대한법률구조공단<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">132) </span>또는 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">1600-5500) </span>통해 상담 및 신청 가능</span><span lang="en-us" xml:lang="en-us" style="font-family:'함초롬바탕';"></span></p><div><span style="font-size:11pt;font-family:'돋움', Dotum;"><br /></span></div></td></tr></tbody></table></div>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Tue, 31 Mar 2026 13:32:51 +0900</dc:date>
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<title>인도네시아 법인[PT.DongYang Asset Managment] “Puka Puasa” 행사 진행</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:11pt;">지난 3/12~13일 동양 <strong style="font-size:11pt;">인도네시아 법인</strong>에서 르바단(Ramadan) 종료 후 <strong style="font-size:11pt;">‘Puka Puasa(뿌까뿌아사)’</strong> 행사가 진행되었습니다.</span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><br /></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:11pt;">-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------</span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="color:rgb(0,0,255);font-size:11pt;">   <span style="background-color:rgb(255,245,153);font-size:11pt;"><b style="font-size:11pt;">**Puka Puasa(뿌까뿌아사)**</b></span>는 금식을 마친 뒤 가족이나 동료들과 함께 식사를 하며 기쁨을 나누는 <strong style="font-size:11pt;">인도네시아의 전통적인 문화 행사</strong>입니다. </span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="color:rgb(0,0,255);font-size:11pt;">   인도네시아에서는 매년 자연스럽게 이어지는 행사로, 많은 사람들이 함께 식사를 하며 교류하는 시간을 갖습니다.</span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:11pt;">-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------</span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><br /></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:11pt;">이번 행사도 <strong style="font-size:11pt;">Jakarta 본사</strong>와 <strong style="font-size:11pt;">콜센터(Yogyakarta)</strong> 두 곳에서 진행되었으며, 직원들이 함께 모여 맛있는 식사를 나누고 이야기를 나누며 즐거운 시간을 보냈습니다.</span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><br /></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:11pt;">또한 단체 사진도 촬영하며 행사 분위기를 함께 기록했습니다.</span><br /><span style="font-size:11pt;">현지 직원들에게도 서로 교류하고 친목을 다질 수 있는 뜻깊은 시간이었습니다.</span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><br /></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:11pt;">앞으로도 동양 인도네시아 법인은 <strong style="font-size:11pt;">현지 직원들과 함께하는 다양한 문화 교류 활동</strong>을 이어갈 예정입니다!</span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><br /></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><br /></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:11pt;">* Jakarta 행사사진</span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:11pt;"><img src="https://www.dy300.co.kr/data/editor/2603/1e05f13952849480bff9c7698f366c72_1773881885_3421.jpg" title="1e05f13952849480bff9c7698f366c72_1773881885_3421.jpg" alt="1e05f13952849480bff9c7698f366c72_1773881885_3421.jpg" /><br style="clear:both;" /> </span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:11pt;">* Yog</span><span style="font-size:14.6667px;">akarta 행사사진</span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:14.6667px;"><img src="https://www.dy300.co.kr/data/editor/2603/1e05f13952849480bff9c7698f366c72_1773881904_968.jpg" title="1e05f13952849480bff9c7698f366c72_1773881904_968.jpg" alt="1e05f13952849480bff9c7698f366c72_1773881904_968.jpg" /><br style="clear:both;" /> </span></p><p style="line-height:20px;font-family:'Noto Sans KR';font-size:10pt;"><span style="font-size:14.6667px;"><img src="https://www.dy300.co.kr/data/editor/2603/1e05f13952849480bff9c7698f366c72_1773881924_4701.jpg" title="1e05f13952849480bff9c7698f366c72_1773881924_4701.jpg" alt="1e05f13952849480bff9c7698f366c72_1773881924_4701.jpg" /><br style="clear:both;" /> </span></p>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Thu, 19 Mar 2026 09:53:02 +0900</dc:date>
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<title>#기사공유 #동양자산 # 아시아타임즈_뉴스브리핑</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p><img src="https://www.dy300.co.kr/data/editor/2603/f4e727c8bd0be95ffe4ff8c0f263808e_1773790063_4378.jpg" title="f4e727c8bd0be95ffe4ff8c0f263808e_1773790063_4378.jpg" alt="f4e727c8bd0be95ffe4ff8c0f263808e_1773790063_4378.jpg" /><br style="clear:both;" /> </p><p><a href="https://www.asiatime.co.kr/article/20260317500367#_enliple%23_mobwcvr" rel="nofollow"><span style="font-family:'나눔고딕', NanumGothic;">[2금융 뉴스브리핑] 동양자산관리대부 '비대면 채무조정 서비스' 도입</span></a></p>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Wed, 18 Mar 2026 08:28:07 +0900</dc:date>
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<title>동양자산관리대부, 대부업권 최초 ‘비대면 채무조정 서비스’ 도입</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p><span style="font-size:12pt;"> </span><span style="font-size:12pt;">  동양자산관리대부는 금융소비자 보호 강화와 채무자의 편의성 제고를 위해 대부업권 최초로 ‘비대면 채무조정 서비스’ 를 도입했습니다.</span></p><p><span style="font-size:12px;"><br /></span></p><p><span style="font-size:12pt;">당사는 최근 신용정보회사 NICE평가정보와 ‘비대면 채무조정 서비스’ 이용 계약을 체결하고 관련 시스템 구축을 완료했습니다. 이를 통해 채무자가 직접 방문하지 않고도 온라인을 통해 채무 현황 확인, 상환 계획 협의, 채무 조정 절차 등을 진행할 수 있는 디지털 기반 서비스를 제공하게 되었습니다.</span></p><p><span style="font-size:12px;"><br /></span></p><p><span style="font-size:12pt;">이번에 도입된 비대면 채무조정 서비스는 채무자가 시간과 장소의 제약 없이 채무 조정 절차에 참여할 수 있도록 지원하여 채무 해결 과정의 편의성과 접근성을 크게 향상시킬 것으로 기대됩니다.</span></p><p><span style="font-size:12px;"><br /></span></p><p><span style="font-size:12pt;">또한 본 서비스는 금융당국이 강조하고 있는 <b>금융소비자 보호 강화 및 취약차주 지원 정책 방향</b>에 부합하는 조치로, 보다 투명하고 체계적인 채무 조정 환경을 마련하는 데 의미가 있습니다. 동양자산관리대부는 비대면 기반의 채무조정 시스템을 통해 채무자와의 소통을 강화하고 합리적인 채무 해결을 지원할 수 있는 금융 환경을 지속적으로 구축해 나갈 계획입니다.</span></p><p><span style="font-size:12px;"><br /></span></p><p><span style="font-size:12pt;">앞으로도 동양자산관리대부는 금융소비자 보호를 핵심 가치로 삼고, 책임 있는 채권관리와 건전한 금융 생태계 조성에 기여하기 위해 지속적으로 노력하겠습니다.</span></p><div><br /></div><p>     </p><p>    <span style="font-family:'나눔고딕', NanumGothic;font-size:12pt;background-color:rgb(255,255,255);color:rgb(255,0,0);"><b>* 채무조정 신청 바로가기</b></span></p><p>      <span style="font-size:12pt;"><a href="https://www.credit.co.kr/ib20/mnu/BZWFINEXI10?uaCheck=Y" rel="nofollow">https://www.credit.co.kr/ib20/mnu/BZWFINEXI10?uaCheck=Y</a></span></p><p><span style="font-size:12pt;"> </span></p><p>   <span style="font-size:12pt;"> </span><span style="font-family:'나눔고딕', NanumGothic;font-size:12pt;color:rgb(0,117,200);"><b>* 채무조정 신청 방법</b></span><span style="font-size:12px;"></span></p><p><span style="font-size:12px;">      <a href="https://img.credit.co.kr/resource/img/bpi/common/doc/NICE_DebtRestructuring_UserGuide.pdf" rel="nofollow"><span style="font-size:12pt;">https://img.credit.co.kr/resource/img/bpi/common/doc/NICE_DebtRestructuring_UserGuide.pdf</span></a></span></p><p><br /></p><p>                                                                 <img src="https://www.dy300.co.kr/data/editor/2603/f4e727c8bd0be95ffe4ff8c0f263808e_1773708150_0966.jpg" title="f4e727c8bd0be95ffe4ff8c0f263808e_1773708150_0966.jpg" alt="f4e727c8bd0be95ffe4ff8c0f263808e_1773708150_0966.jpg" /> </p><p><br /></p><p>                                           <br style="clear:both;" /></p>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Tue, 17 Mar 2026 09:22:51 +0900</dc:date>
</item>


<item>
<title>2026-02 동양 MVP</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p>.</p>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Tue, 17 Mar 2026 08:49:31 +0900</dc:date>
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<item>
<title>동양자산관리대부(주) 사칭 범죄 주의</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<div class="Y3BBE" style="font-family:Arial, sans-serif;font-size:16px;line-height:24px;color:rgb(10,10,10);background-color:rgb(255,255,255);"><p style="text-align:justify;margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';color:rgb(58,50,195);background-color:rgb(255,255,255);">최근
당사를 사칭하여 전화·문자·메시지<span lang="en-us" style="background-color:rgb(255,255,255);color:rgb(58,50,195);" xml:lang="en-us">(SNS) </span>등을 통한 대출 권유 사례가 증가하고 있습니다<span lang="en-us" style="background-color:rgb(255,255,255);color:rgb(58,50,195);" xml:lang="en-us">. </span></span></b></p><p><b></b></p><b></b>

<p style="text-align:justify;margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';color:rgb(58,50,195);background-color:rgb(255,255,255);">당사는
매입채권추심업을 전문으로 기업으로<span lang="en-us" style="background-color:rgb(255,255,255);color:rgb(58,50,195);" xml:lang="en-us">, </span>대출업무는 하지 않습니다<span lang="en-us" style="background-color:rgb(255,255,255);color:rgb(58,50,195);" xml:lang="en-us">. </span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';color:#0070C0;"><span style="background-color:rgb(255,255,255);color:rgb(58,50,195);">따라서 당사의 명칭</span><span lang="en-us" style="background-color:rgb(255,255,255);color:rgb(58,50,195);" xml:lang="en-us">, </span><span style="background-color:rgb(255,255,255);color:rgb(58,50,195);">연락처 등을 이용한 대출 권유는
사칭·불법 영업일 가능성이 매우 높으므로 각별한 주의가 필요합니다</span><span lang="en-us" xml:lang="en-us"><span style="background-color:rgb(255,255,255);color:rgb(58,50,195);">.</span></span></span></b></p><p><b></b></p><b></b>

<p style="text-align:justify;margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b> </b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';">동양자산관리대부 등 정식 금융회사는 절대로 개인 계좌로 입금을 요구하거나<span lang="en-us" xml:lang="en-us">, </span>전화·문자를
통한 대출 상품 안내 등의 홍보를 진행하지 않습니다. 만약,<span lang="en-us" xml:lang="en-us"> </span>전화상으로 개인정보를 요구하거나 대출 권유 등의 연락을
받은경우<span lang="en-us" xml:lang="en-us">  </span>절대 이에 응하지 마시고<span lang="en-us" xml:lang="en-us">, </span>즉시 차단후
아래 방법으로 신고해 주시기 바랍니다<span lang="en-us" xml:lang="en-us">.</span></span></b></p><p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';"><span lang="en-us" xml:lang="en-us"><br /></span></span></b></p>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><u><span style="font-size:10pt;font-family:'맑은 고딕';color:#FF0000;">특히<span lang="en-us" xml:lang="en-us"> "</span>김승혁 과장<span lang="en-us" xml:lang="en-us">"</span>을
사칭하는 경우<span lang="en-us" xml:lang="en-us">, </span>반드시 당사 대표번호<span lang="en-us" xml:lang="en-us">(02-707-0001)</span>로
직접 전화하여 실제 직원인지 꼭 확인하시기 바랍니다<span lang="en-us" xml:lang="en-us">.</span></span></u></b></p><p><b><u></u></b></p><b><u></u></b><p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><u><span style="font-size:10pt;font-family:'맑은 고딕';color:#FF0000;"><span lang="en-us" xml:lang="en-us">(그런 직원은 없습니다!)</span></span></u></b></p>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b> </b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'새굴림', serif;color:#000000;background:#FFFF00;">●</span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';color:#000000;background:#FFFF00;">불법스팸 신고 방법</span></b><b><span style="font-size:10pt;font-family:'새굴림', serif;color:#000000;background:#FFFF00;">●</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';color:#000000;" xml:lang="en-us"></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';color:#000000;">불법스팸 신고접수는<span lang="en-us" xml:lang="en-us"> KISA</span>불법스팸대응센터에서 진행하고
있으며<span lang="en-us" xml:lang="en-us">, </span>방법은 아래와 같습니다<span lang="en-us" xml:lang="en-us">.</span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';color:#000000;">▶불법스팸 신고 방법<span lang="en-us" xml:lang="en-us">(</span>㉠<span lang="en-us" xml:lang="en-us">,</span>㉡<span lang="en-us" xml:lang="en-us">,</span>㉢ 택<span lang="en-us" xml:lang="en-us">1</span>하여 가능<span lang="en-us" xml:lang="en-us">)</span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';color:#000000;" xml:lang="en-us">  </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';color:#000000;">㉠스팸문자<span lang="en-us" xml:lang="en-us"> 1~2</span>초 누르기☞ 스팸신고 클릭<span lang="en-us" xml:lang="en-us">(Android)</span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';color:#000000;" xml:lang="en-us">  </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';color:#000000;">㉡‘불법스팸
간편신고’ 어플 신고<span lang="en-us" xml:lang="en-us">(Android, ios)</span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';color:#000000;" xml:lang="en-us">  </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';color:#000000;">㉢<span lang="en-us" xml:lang="en-us">KISA</span>불법스팸대응센터<span lang="en-us" xml:lang="en-us">( <a href="https://spam.kisa.or.kr/" target="_blank" rel="nofollow noreferrer noopener"><span style="text-decoration:none;">https://spam.kisa.or.kr/</span></a>) &gt; </span>불법스팸<span lang="en-us" xml:lang="en-us"> &gt; </span>스팸신고 통해 가능<span lang="en-us" xml:lang="en-us"></span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';color:#000000;">▶보이스피싱 통합 제보는 전기통신금융사기 통합신고대응센터<span lang="en-us" xml:lang="en-us">( <a href="https://www.counterscam112.go.kr/" target="_blank" rel="nofollow noreferrer noopener"><span style="text-decoration:none;">https://www.counterscam112.go.kr</span></a>)</span>에서
가능</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b></b></p><b></b>

<p style="text-align:justify;margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b> </b></p><b></b>

<p style="text-align:justify;margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'새굴림', serif;color:#000000;background:#FFFF00;">●</span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';background:#FFFF00;">휴대폰 자체로
바로 신고</span></b><b><span style="font-size:10pt;font-family:'새굴림', serif;color:#000000;background:#FFFF00;">●</span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';"> <span lang="en-us" xml:lang="en-us"></span></span></b></p><p><b></b></p><b></b>

<p style="text-align:justify;margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b> </b></p><b></b>

<p style="text-align:justify;margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';background:#FFFF00;">삼성 등 안드로이드 일부</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'Segoe UI Emoji', sans-serif;" xml:lang="en-us">✔️</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"> </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';">스팸 문자 열기<span lang="en-us" xml:lang="en-us"><br /></span>→ 상단에<span lang="en-us" xml:lang="en-us"> </span>“메시지 신고”<span lang="en-us" xml:lang="en-us"> </span>버튼이
보이면 누르기<span lang="en-us" xml:lang="en-us"><br /></span>→<span lang="en-us" xml:lang="en-us"> </span>해당 스팸 메시지 선택 → 신고<span lang="en-us" xml:lang="en-us"><br /></span>→<span lang="en-us" xml:lang="en-us"> KISA(</span>한국인터넷진흥원<span lang="en-us" xml:lang="en-us">)</span>로 자동 신고됨<span lang="en-us" xml:lang="en-us"></span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';">음성 스팸<span lang="en-us" xml:lang="en-us">(</span>전화<span lang="en-us" xml:lang="en-us">)</span>도 전화 기록에서<span lang="en-us" xml:lang="en-us"> </span>스팸
번호 길게 누른 후 “스팸 신고”<span lang="en-us" xml:lang="en-us"> </span>선택하면 신고 가능<span lang="en-us" xml:lang="en-us"></span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'Segoe UI Emoji', sans-serif;" xml:lang="en-us">☝️</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"> </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';">이 기능은<span lang="en-us" xml:lang="en-us"> </span>삼성<span lang="en-us" xml:lang="en-us">(One UI) </span>등 일부<span lang="en-us" xml:lang="en-us"> Android </span>기종에서 사용 가능 <span lang="en-us" xml:lang="en-us"></span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b> </b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';background:#FFFF00;" xml:lang="en-us">iPhone</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'Segoe UI Emoji', sans-serif;" xml:lang="en-us">✔️</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"> </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';">문자 왼쪽으로<span lang="en-us" xml:lang="en-us"> **</span>스와이프<span lang="en-us" xml:lang="en-us"> → “</span>삭제 및 스팸 신고<span lang="en-us" xml:lang="en-us">”**</span>로 신고 가능<span lang="en-us" xml:lang="en-us"><br /></span></span></b><b><span lang="en-us" style="font-size:10pt;font-family:'Segoe UI Emoji', sans-serif;" xml:lang="en-us">✔️</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"> </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';">설정<span lang="en-us" xml:lang="en-us"> → </span>문자<span lang="en-us" xml:lang="en-us"> → </span>알 수 없는 발신자 필터링<span lang="en-us" xml:lang="en-us"> / </span>스팸 신고 설정<span lang="en-us" xml:lang="en-us"></span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b> </b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';background:#FFFF00;" xml:lang="en-us"> </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';background:#FFFF00;">불법스팸 간편신고 앱 사용</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"> Android / iPhone </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';">모두 설치 가능<span lang="en-us" xml:lang="en-us"><br /></span></span></b><b><span lang="en-us" style="font-size:10pt;font-family:'Segoe UI Emoji', sans-serif;" xml:lang="en-us">✔️</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"> </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';">구글 플레이나 앱스토어에서
<span lang="en-us" xml:lang="en-us">“</span>불법스팸 간편신고<span lang="en-us" xml:lang="en-us">” </span>앱 설치<span lang="en-us" xml:lang="en-us"><br /></span></span></b><b><span lang="en-us" style="font-size:10pt;font-family:'Segoe UI Emoji', sans-serif;" xml:lang="en-us">✔️</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"> </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';">수신한 문자<span lang="en-us" xml:lang="en-us">·</span>전화 스팸을 선택해서 앱으로 바로 신고<span lang="en-us" xml:lang="en-us"><br /></span></span></b><b><span lang="en-us" style="font-size:10pt;font-family:'Segoe UI Emoji', sans-serif;" xml:lang="en-us">✔️</span></b><b><span lang="en-us" style="font-size:10pt;font-family:'맑은 고딕';" xml:lang="en-us"> </span></b><b><span style="font-size:10pt;font-family:'맑은 고딕';">신고 내역 확인도 가능
<span lang="en-us" xml:lang="en-us"></span></span></b></p><p><b></b></p><b></b>

<p style="margin:0cm;font-size:12pt;font-family:'굴림';"><b><span style="font-size:10pt;font-family:'맑은 고딕';">앱은 한국인터넷진흥원<span lang="en-us" xml:lang="en-us">(KISA) </span>공식 신고 앱<span lang="en-us" xml:lang="en-us"></span></span></b></p><p><b></b></p><b></b> </div>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Tue, 10 Feb 2026 13:41:04 +0900</dc:date>
</item>


<item>
<title>2026-01 동양 MVP</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<h2 style="margin:0px;padding:0px;border:0px;font-size:1em;font-family:'Nanum Gothic';background-color:rgb(255,255,255);"></h2>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Fri, 06 Feb 2026 13:48:12 +0900</dc:date>
</item>


<item>
<title>110332 김O동님 주택경매예정통지</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p style="font-family:'Nanum Gothic';font-size:14px;background-color:rgb(255,255,255);"><span style="font-size:14pt;"><b>- 경매접수 예정일 2026.02.10</b></span></p><p style="font-family:'Nanum Gothic';font-size:14px;background-color:rgb(255,255,255);"><span style="font-size:14pt;"><b>- 상세내용은 개별 안내드린 방법에 따라 첨부된 파일을 확인해 주시길 바랍니다. </b></span></p><p style="font-family:'Nanum Gothic';font-size:14px;background-color:rgb(255,255,255);"><span style="font-size:14pt;"><br /></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">귀하의 대출이 현재까지 정상화되지 않아 아래의 주택에 대하여 경매실행 예정임을 알려드립니다<span lang="en-us" xml:lang="en-us">.</span></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-family:'돋움', Dotum;font-size:11pt;">※「개인금융채권의 관리 및 개인금융채무자의 보호에 관한 법률」제</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">8</span><span style="font-family:'돋움', Dotum;font-size:11pt;">조 및 동법 시행령 제</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">9</span><span style="font-family:'돋움', Dotum;font-size:11pt;">조</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">경매신청예정일까지 대출금이 정상화되지 않을 경우<span lang="en-us" xml:lang="en-us">, </span>부득이 아래 담보목적물에 대하여 </span><span style="font-size:11pt;font-family:'돋움', Dotum;">경매실행 예정임을 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">통지하오니 대출금 정상화 및 채무상환 등에 관한 상담을 원하시는 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">경우에는 채무조정 요청 가능 기한까지 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">채권 담당자에게 연락하여 주시기 바랍니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">.</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">또한<span lang="en-us" xml:lang="en-us">, </span>귀하의 도움이 될 수 있는 채무조정 지원제도에 대해서도 알려드리니<span lang="en-us" xml:lang="en-us">, </span>참고바랍니다</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;"><br /></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:18pt;font-family:'돋움', Dotum;"><b>                채무조정 지원제도 안내</b></span></p><table border="1" cellspacing="0" cellpadding="0" style="background-color:rgb(255,255,255);border-collapse:collapse;border:none;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><tbody><tr style="height:540.75pt;"><td width="663" style="width:497.2pt;border:1pt solid;padding:0cm 5.4pt;height:540.75pt;"><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">채무조정 요청권</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">「개인금융채권의 관리 및 개인금융채무자의 보호에 관한 법률」<span lang="en-us" xml:lang="en-us">(</span>이하<span lang="en-us" xml:lang="en-us"> “</span>「개인채무자보호법」”이라 한다<span lang="en-us" xml:lang="en-us">)</span>에 따라 채무 연체 발생시 채무자가 금융회사에 직접 채무조정을 요청할 수 있는 권리<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">「개인채무자보호법」에 명시된 채무조정 요청권에 대해 상세히 알려드리니<span lang="en-us" xml:lang="en-us">, </span>해당 사항이 있는 고객님께서는 당사 지점 또는 당사 콜센터<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">02-707-0001)</span>에 문의하여 주시기 바랍니다<span lang="en-us" xml:lang="en-us">.</span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">&lt;</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">참고<span lang="en-us" xml:lang="en-us"> : </span>채무조정 절차<span lang="en-us" xml:lang="en-us">&gt;</span></span></b></p><p><b></b></p><b></b><span style="font-family:'돋움', Dotum;"></span><div align="center"><span style="font-family:'돋움', Dotum;"></span><table border="1" cellspacing="0" cellpadding="0" width="643" style="width:482.05pt;border-collapse:collapse;border:none;text-align:justify;line-height:14.2667px;font-size:10pt;"><tbody><tr style="height:29.85pt;"><td width="117" style="width:87.6pt;border:1pt solid rgb(0,0,0);background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">①요청</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">②심사 및</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">결과통지</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">③동의</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">④채무조정서</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">작성</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.65pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">⑤합의</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td></tr><tr style="height:93.15pt;"><td width="117" style="width:87.6pt;border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:1pt solid rgb(0,0,0);border-top:none;padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사에 채무조정을 요청합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(</span><span style="font-size:7pt;font-family:'돋움', Dotum;">구비서류 제출<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">채무조정</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">심사 후 결과를 통지합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(10</span><span style="font-size:7pt;font-family:'돋움', Dotum;">영업일 이내<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사가 통지한 채무조정 내용에 대해 동의 여부를 결정합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(10</span><span style="font-size:7pt;font-family:'돋움', Dotum;">영업일 이내<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자가 동의한 채무조정내용에 대해 조정서를 작성합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.65pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">조정서에 날인하면 채무조정 합의가 성립됩니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td></tr></tbody></table><span style="font-family:'돋움', Dotum;"></span></div><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span style="font-size:11pt;font-family:'돋움', Dotum;">※</span><span style="font-size:11pt;font-family:'돋움', Dotum;"> 당사 대출 외에 타사 대출금에 대해서도 함께 채무조정을 희망하시는 분은 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span></span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">☎</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">1600-5500)</span><span style="font-size:11pt;font-family:'돋움', Dotum;">를 통해 상담 받으실 수 있습니다<span lang="en-us" xml:lang="en-us">.</span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신용회복위원회 채무조정</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">채무를 정상적으로 상환할 수 없는 과중 채무자를 대상으로 상환기간 연장<span lang="en-us" xml:lang="en-us">, </span>이자율 조정<span lang="en-us" xml:lang="en-us">, </span>채무감면 등을 통해 본인의 상환능력에 맞게 채무를 조정하는 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">신용회복위원회<span lang="en-us" xml:lang="en-us">(</span></span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">☎</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">1600-5500) </span><span style="font-size:11pt;font-family:'돋움', Dotum;">통해 상담 및 신청 가능<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">법원의 개인회생</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">채무를 정상적으로 상환할 수 없는 개인 채무자를 대상으로 채권자 등 이해관계인의 법률 관계를 조정함으로써 채무자의 효율적 회생과 채권자의 이익을 도모하기 위하여 마련된 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">대한법률구조공단<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">132) </span>또는 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">1600-5500) </span>통해 상담 및 신청 가능<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">법원의 개인파산·면책</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">자신의 재산으로 모든 채무를 변제할 수 없는 개인 채무자를 대상으로 법원이 모든 채권자가 평등하게 채권을 변제받도록 하고 채무자에게는 면책 절차를 통하여 남아있는 채무에 대한 변제 책임을 면제하는 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">대한법률구조공단<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">132) </span>또는 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">1600-5500) </span>통해 상담 및 신청 가능</span><span lang="en-us" xml:lang="en-us" style="font-family:'함초롬바탕';"></span></p><div><span style="font-size:11pt;font-family:'돋움', Dotum;"><br /></span></div></td></tr></tbody></table>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Mon, 26 Jan 2026 16:50:23 +0900</dc:date>
</item>


<item>
<title>2026년 한국대부금융협회 우수직원 표창장 수상</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p><br /></p><p><img src="https://www.dy300.co.kr/data/editor/2601/42c949297d7a73c51697b837b998a639_1769147186_4166.jpg" title="42c949297d7a73c51697b837b998a639_1769147186_4166.jpg" alt="42c949297d7a73c51697b837b998a639_1769147186_4166.jpg" /><br style="clear:both;" /> </p>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Fri, 23 Jan 2026 14:47:18 +0900</dc:date>
</item>


<item>
<title>2025-12 동양 MVP</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p>.</p>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Tue, 13 Jan 2026 09:05:20 +0900</dc:date>
</item>


<item>
<title>[업무 혁신 아이디어 우수직원 시상]</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p><b><span style="font-family:Tahoma;font-size:14pt;color:rgb(58,50,195);">업무실적 향상 및 효율 개선을 위해 </span><span><span style="font-family:Tahoma;font-size:14pt;color:rgb(58,50,195);">직원 여러분의 혁신 아이디어를 공모하고, </span></span></b></p><p><b><span><span style="font-family:Tahoma;font-size:14pt;color:rgb(58,50,195);">실제로 채택된 아이디어에 대해 포상을 진행하였습니다.</span></span></b></p><p><span style="font-family:Tahoma;font-size:14pt;color:rgb(58,50,195);"><b>
참여해 주신 모든 분들께 감사드리며, </b></span></p><p><span style="font-family:Tahoma;font-size:14pt;color:rgb(58,50,195);"><b>앞으로도 지속적인 혁신 아이디어 발굴과 업무 개선을 기대합니다!</b></span></p>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Mon, 12 Jan 2026 11:46:13 +0900</dc:date>
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<title>[인재양성 프로그램]당신의 성장을 응원합니다!</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p></p>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Fri, 02 Jan 2026 14:38:11 +0900</dc:date>
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<title>114852 남O민님 주택경매예정통지</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p style="font-family:'Nanum Gothic';font-size:14px;background-color:rgb(255,255,255);"><span style="font-size:14pt;"><b>- 경매접수 예정일 2026.01.16</b></span></p><p style="font-family:'Nanum Gothic';font-size:14px;background-color:rgb(255,255,255);"><span style="font-size:14pt;"><b>- 상세내용은 개별 안내드린 방법에 따라 첨부된 파일을 확인해 주시길 바랍니다. </b></span></p><p style="font-family:'Nanum Gothic';font-size:14px;background-color:rgb(255,255,255);"><span style="font-size:14pt;"><br /></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">귀하의 대출이 현재까지 정상화되지 않아 아래의 주택에 대하여 경매실행 예정임을 알려드립니다<span lang="en-us" xml:lang="en-us">.</span></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-family:'돋움', Dotum;font-size:11pt;">※「개인금융채권의 관리 및 개인금융채무자의 보호에 관한 법률」제</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">8</span><span style="font-family:'돋움', Dotum;font-size:11pt;">조 및 동법 시행령 제</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">9</span><span style="font-family:'돋움', Dotum;font-size:11pt;">조</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">경매신청예정일까지 대출금이 정상화되지 않을 경우<span lang="en-us" xml:lang="en-us">, </span>부득이 아래 담보목적물에 대하여 </span><span style="font-size:11pt;font-family:'돋움', Dotum;">경매실행 예정임을 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">통지하오니 대출금 정상화 및 채무상환 등에 관한 상담을 원하시는 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">경우에는 채무조정 요청 가능 기한까지 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">채권 담당자에게 연락하여 주시기 바랍니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">.</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">또한<span lang="en-us" xml:lang="en-us">, </span>귀하의 도움이 될 수 있는 채무조정 지원제도에 대해서도 알려드리니<span lang="en-us" xml:lang="en-us">, </span>참고바랍니다</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;"><br /></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:18pt;font-family:'돋움', Dotum;"><b>                채무조정 지원제도 안내</b></span></p><table border="1" cellspacing="0" cellpadding="0" style="background-color:rgb(255,255,255);border-collapse:collapse;border:none;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><tbody><tr style="height:540.75pt;"><td width="663" style="width:497.2pt;border:1pt solid;padding:0cm 5.4pt;height:540.75pt;"><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">채무조정 요청권</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">「개인금융채권의 관리 및 개인금융채무자의 보호에 관한 법률」<span lang="en-us" xml:lang="en-us">(</span>이하<span lang="en-us" xml:lang="en-us"> “</span>「개인채무자보호법」”이라 한다<span lang="en-us" xml:lang="en-us">)</span>에 따라 채무 연체 발생시 채무자가 금융회사에 직접 채무조정을 요청할 수 있는 권리<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">「개인채무자보호법」에 명시된 채무조정 요청권에 대해 상세히 알려드리니<span lang="en-us" xml:lang="en-us">, </span>해당 사항이 있는 고객님께서는 당사 지점 또는 당사 콜센터<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">02-707-0001)</span>에 문의하여 주시기 바랍니다<span lang="en-us" xml:lang="en-us">.</span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">&lt;</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">참고<span lang="en-us" xml:lang="en-us"> : </span>채무조정 절차<span lang="en-us" xml:lang="en-us">&gt;</span></span></b></p><p><b></b></p><b></b><span style="font-family:'돋움', Dotum;"></span><div align="center"><span style="font-family:'돋움', Dotum;"></span><table border="1" cellspacing="0" cellpadding="0" width="643" style="width:482.05pt;border-collapse:collapse;border:none;text-align:justify;line-height:14.2667px;font-size:10pt;"><tbody><tr style="height:29.85pt;"><td width="117" style="width:87.6pt;border:1pt solid rgb(0,0,0);background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">①요청</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">②심사 및</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">결과통지</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">③동의</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">④채무조정서</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">작성</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.65pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">⑤합의</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td></tr><tr style="height:93.15pt;"><td width="117" style="width:87.6pt;border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:1pt solid rgb(0,0,0);border-top:none;padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사에 채무조정을 요청합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(</span><span style="font-size:7pt;font-family:'돋움', Dotum;">구비서류 제출<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">채무조정</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">심사 후 결과를 통지합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(10</span><span style="font-size:7pt;font-family:'돋움', Dotum;">영업일 이내<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사가 통지한 채무조정 내용에 대해 동의 여부를 결정합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(10</span><span style="font-size:7pt;font-family:'돋움', Dotum;">영업일 이내<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자가 동의한 채무조정내용에 대해 조정서를 작성합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.65pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">조정서에 날인하면 채무조정 합의가 성립됩니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td></tr></tbody></table><span style="font-family:'돋움', Dotum;"></span></div><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span style="font-size:11pt;font-family:'돋움', Dotum;">※</span><span style="font-size:11pt;font-family:'돋움', Dotum;"> 당사 대출 외에 타사 대출금에 대해서도 함께 채무조정을 희망하시는 분은 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span></span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">☎</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">1600-5500)</span><span style="font-size:11pt;font-family:'돋움', Dotum;">를 통해 상담 받으실 수 있습니다<span lang="en-us" xml:lang="en-us">.</span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신용회복위원회 채무조정</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">채무를 정상적으로 상환할 수 없는 과중 채무자를 대상으로 상환기간 연장<span lang="en-us" xml:lang="en-us">, </span>이자율 조정<span lang="en-us" xml:lang="en-us">, </span>채무감면 등을 통해 본인의 상환능력에 맞게 채무를 조정하는 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">신용회복위원회<span lang="en-us" xml:lang="en-us">(</span></span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">☎</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">1600-5500) </span><span style="font-size:11pt;font-family:'돋움', Dotum;">통해 상담 및 신청 가능<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">법원의 개인회생</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">채무를 정상적으로 상환할 수 없는 개인 채무자를 대상으로 채권자 등 이해관계인의 법률 관계를 조정함으로써 채무자의 효율적 회생과 채권자의 이익을 도모하기 위하여 마련된 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">대한법률구조공단<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">132) </span>또는 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">1600-5500) </span>통해 상담 및 신청 가능<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">법원의 개인파산·면책</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">자신의 재산으로 모든 채무를 변제할 수 없는 개인 채무자를 대상으로 법원이 모든 채권자가 평등하게 채권을 변제받도록 하고 채무자에게는 면책 절차를 통하여 남아있는 채무에 대한 변제 책임을 면제하는 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">대한법률구조공단<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">132) </span>또는 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">1600-5500) </span>통해 상담 및 신청 가능</span><span lang="en-us" xml:lang="en-us" style="font-family:'함초롬바탕';"></span></p><div><span style="font-size:11pt;font-family:'돋움', Dotum;"><br /></span></div></td></tr></tbody></table>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Wed, 31 Dec 2025 11:26:15 +0900</dc:date>
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<title>[2025 하이라이트] 함께여서 더 빛났던 순간들</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<p>바쁘게 달려온 2025년도 어느새 끝자락에 다다르며</p><p>한 해를 마무리하는 시간으로 접어들었습니다.</p><p><br /></p><p>매일 행복하진 않지만, 행복한 일은 매일 있다는 곰돌의 푸의 말처럼</p><p>소중한 순간들이 곳곳에 담긴 한 해였던 것 같습니다.  </p><p><br /></p><p>서로를 응원하며 웃었던 시간,</p><p>함께 준비하고 즐겼던 사내 행사,</p><p>작지만 큰 울림이 있는 성취까지!</p><p><br /></p><p>각자의 자리에서 최선을 다해준 여러분 덕분에</p><p>한 해가 따뜻하고 의미 있게 완성될 수 있었습니다. </p><p><br /></p><p>그 기록을 모아 2025년의 하이라이트를 </p><p>이미지로 담아보았습니다. </p><p><br /></p><p>사진과 함께 돌아본 2025년이</p><p>여러분에게도 행복한 기억으로 남길 바라며,</p><p>다가올 2026년도 지금처럼 함께 만들어가요♥</p><p><br /></p><p>메리 크리스마스,</p><p>따뜻한 연말 보내세요!</p><p><img src="https://www.dy300.co.kr/data/editor/2512/5b9defda821a1a4ae55346d264747cda_1766734479_2246.png" title="5b9defda821a1a4ae55346d264747cda_1766734479_2246.png" alt="5b9defda821a1a4ae55346d264747cda_1766734479_2246.png" /><br style="clear:both;" /> </p>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Fri, 26 Dec 2025 16:35:40 +0900</dc:date>
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<item>
<title>김O규 님 주택경매 예정 통지</title>
<link>https://www.dy300.co.kr/bbs/board.php?bo_table=table43</link>
<description><![CDATA[<div style="margin:0px 0px 30px;width:940px;line-height:1.7em;min-height:200px;padding:20px 0px;border-top:2px solid rgb(85,85,85);"><p style="background-color:rgb(255,255,255);"><span style="font-size:14pt;"><b>- 경매접수 예정일 2026.01.04</b></span></p><p style="background-color:rgb(255,255,255);"><span style="font-size:14pt;"><b>- 상세내용은 개별 안내드린 방법에 따라 첨부된 파일을 확인해 주시길 바랍니다. </b></span></p><p style="background-color:rgb(255,255,255);"><span style="font-size:14pt;"><br /></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">귀하의 대출이 현재까지 정상화되지 않아 아래의 주택에 대하여 경매실행 예정임을 알려드립니다<span lang="en-us" xml:lang="en-us">.</span></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-family:'돋움', Dotum;font-size:11pt;">※「개인금융채권의 관리 및 개인금융채무자의 보호에 관한 법률」제</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">8</span><span style="font-family:'돋움', Dotum;font-size:11pt;">조 및 동법 시행령 제</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">9</span><span style="font-family:'돋움', Dotum;font-size:11pt;">조</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">경매신청예정일까지 대출금이 정상화되지 않을 경우<span lang="en-us" xml:lang="en-us">, </span>부득이 아래 담보목적물에 대하여 </span><span style="font-size:11pt;font-family:'돋움', Dotum;">경매실행 예정임을 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">통지하오니 대출금 정상화 및 채무상환 등에 관한 상담을 원하시는 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">경우에는 채무조정 요청 가능 기한까지 </span><span style="font-family:'돋움', Dotum;font-size:11pt;">채권 담당자에게 연락하여 주시기 바랍니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;font-size:11pt;">.</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;">또한<span lang="en-us" xml:lang="en-us">, </span>귀하의 도움이 될 수 있는 채무조정 지원제도에 대해서도 알려드리니<span lang="en-us" xml:lang="en-us">, </span>참고바랍니다</span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:11pt;font-family:'돋움', Dotum;"><br /></span></p><p style="margin:0cm;background-color:rgb(255,255,255);line-height:normal;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><span style="font-size:18pt;font-family:'돋움', Dotum;"><b>                채무조정 지원제도 안내</b></span></p><table border="1" cellspacing="0" cellpadding="0" style="background-color:rgb(255,255,255);border-collapse:collapse;border:none;text-align:justify;font-size:10pt;font-family:'맑은 고딕';"><tbody><tr style="height:540.75pt;"><td width="663" style="width:497.2pt;border:1pt solid;padding:0cm 5.4pt;height:540.75pt;"><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">채무조정 요청권</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">「개인금융채권의 관리 및 개인금융채무자의 보호에 관한 법률」<span lang="en-us" xml:lang="en-us">(</span>이하<span lang="en-us" xml:lang="en-us"> “</span>「개인채무자보호법」”이라 한다<span lang="en-us" xml:lang="en-us">)</span>에 따라 채무 연체 발생시 채무자가 금융회사에 직접 채무조정을 요청할 수 있는 권리<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">「개인채무자보호법」에 명시된 채무조정 요청권에 대해 상세히 알려드리니<span lang="en-us" xml:lang="en-us">, </span>해당 사항이 있는 고객님께서는 당사 지점 또는 당사 콜센터<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">02-707-0001)</span>에 문의하여 주시기 바랍니다<span lang="en-us" xml:lang="en-us">.</span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">&lt;</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">참고<span lang="en-us" xml:lang="en-us"> : </span>채무조정 절차<span lang="en-us" xml:lang="en-us">&gt;</span></span></b></p><p><b></b></p><b></b><span style="font-family:'돋움', Dotum;"></span><div align="center"><span style="font-family:'돋움', Dotum;"></span><table border="1" cellspacing="0" cellpadding="0" width="643" style="width:482.05pt;border-collapse:collapse;border:none;text-align:justify;line-height:14.2667px;font-size:10pt;"><tbody><tr style="height:29.85pt;"><td width="117" style="width:87.6pt;border:1pt solid rgb(0,0,0);background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">①요청</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">②심사 및</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">결과통지</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">③동의</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.6pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">④채무조정서</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">작성</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:29.85pt;"></td><td width="117" style="width:87.65pt;border-top:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:none;background:rgb(217,217,217);padding:0cm;height:29.85pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">⑤합의</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td></tr><tr style="height:93.15pt;"><td width="117" style="width:87.6pt;border-right:1pt solid rgb(0,0,0);border-bottom:1pt solid rgb(0,0,0);border-left:1pt solid rgb(0,0,0);border-top:none;padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사에 채무조정을 요청합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(</span><span style="font-size:7pt;font-family:'돋움', Dotum;">구비서류 제출<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">채무조정</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">심사 후 결과를 통지합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(10</span><span style="font-size:7pt;font-family:'돋움', Dotum;">영업일 이내<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사가 통지한 채무조정 내용에 대해 동의 여부를 결정합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:7pt;font-family:'돋움', Dotum;">(10</span><span style="font-size:7pt;font-family:'돋움', Dotum;">영업일 이내<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.6pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">금융회사<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자가 동의한 채무조정내용에 대해 조정서를 작성합니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="15" style="width:11pt;border-top:none;border-bottom:none;border-left:none;border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">▷</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td><td width="117" style="width:87.65pt;border-top:none;border-left:none;border-bottom:1pt solid rgb(0,0,0);border-right:1pt solid rgb(0,0,0);padding:0cm;height:93.15pt;"><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:9pt;font-family:'돋움', Dotum;">(</span><span style="font-size:9pt;font-family:'돋움', Dotum;">채무자<span lang="en-us" xml:lang="en-us">)</span></span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p align="center" style="margin:0cm;text-align:center;line-height:normal;font-size:10pt;"><span style="font-size:9pt;font-family:'돋움', Dotum;">조정서에 날인하면 채무조정 합의가 성립됩니다</span><span lang="en-us" xml:lang="en-us" style="font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span></td></tr></tbody></table><span style="font-family:'돋움', Dotum;"></span></div><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span style="font-size:11pt;font-family:'돋움', Dotum;">※</span><span style="font-size:11pt;font-family:'돋움', Dotum;"> 당사 대출 외에 타사 대출금에 대해서도 함께 채무조정을 희망하시는 분은 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span></span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">☎</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">1600-5500)</span><span style="font-size:11pt;font-family:'돋움', Dotum;">를 통해 상담 받으실 수 있습니다<span lang="en-us" xml:lang="en-us">.</span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신용회복위원회 채무조정</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">채무를 정상적으로 상환할 수 없는 과중 채무자를 대상으로 상환기간 연장<span lang="en-us" xml:lang="en-us">, </span>이자율 조정<span lang="en-us" xml:lang="en-us">, </span>채무감면 등을 통해 본인의 상환능력에 맞게 채무를 조정하는 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">신용회복위원회<span lang="en-us" xml:lang="en-us">(</span></span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">☎</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">1600-5500) </span><span style="font-size:11pt;font-family:'돋움', Dotum;">통해 상담 및 신청 가능<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">법원의 개인회생</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">채무를 정상적으로 상환할 수 없는 개인 채무자를 대상으로 채권자 등 이해관계인의 법률 관계를 조정함으로써 채무자의 효율적 회생과 채권자의 이익을 도모하기 위하여 마련된 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">대한법률구조공단<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">132) </span>또는 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">1600-5500) </span>통해 상담 및 신청 가능<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm 0cm 6pt;line-height:normal;font-size:10pt;"><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">◾</span><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><b><span style="font-size:11pt;font-family:'돋움', Dotum;">법원의 개인파산·면책</span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'바탕체', serif;"></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">개요<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">자신의 재산으로 모든 채무를 변제할 수 없는 개인 채무자를 대상으로 법원이 모든 채권자가 평등하게 채권을 변제받도록 하고 채무자에게는 면책 절차를 통하여 남아있는 채무에 대한 변제 책임을 면제하는 절차<span lang="en-us" xml:lang="en-us"></span></span></p><span style="font-family:'돋움', Dotum;"></span><p style="margin:0cm;line-height:normal;font-size:10pt;"><b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;">(</span></b><b><span style="font-size:11pt;font-family:'돋움', Dotum;">신청방법<span lang="en-us" xml:lang="en-us">)</span></span></b><span lang="en-us" xml:lang="en-us" style="font-size:11pt;font-family:'돋움', Dotum;"> </span><span style="font-size:11pt;font-family:'돋움', Dotum;">대한법률구조공단<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">132) </span>또는 신용회복위원회<span lang="en-us" xml:lang="en-us">(</span>☎<span lang="en-us" xml:lang="en-us">1600-5500) </span>통해 상담 및 신청 가능</span><span lang="en-us" xml:lang="en-us" style="font-family:'함초롬바탕';"></span></p><div><span style="font-size:11pt;font-family:'돋움', Dotum;"><br /></span></div></td></tr></tbody></table></div>]]></description>
<dc:creator>관리자</dc:creator>
<dc:date>Mon, 15 Dec 2025 15:22:51 +0900</dc:date>
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