Legal questions we hear in consultations
Answers to the questions we hear most in consultations, on personal rehabilitation and bankruptcy, divorce and affair claims, and drunk driving, explained with court cases.
Blog
Wonju personal rehabilitation: choosing among personal rehabilitation, personal bankruptcy and workout, and eligibility for each
For those looking into Wonju personal rehabilitation because of debt, we explain the differences among personal rehabilitation, personal bankruptcy and personal workout, the eligibility requirements, and whether non-regular workers can apply.
Suing the affair partner: how to prepare, from collecting evidence to property division, if you want to win
For those considering a lawsuit against the affair partner after a spouse’s infidelity, we explain step by step how to choose a divorce method, collect evidence lawfully, and prepare for property division.
Divorce property division case: consolation money dismissed for shared fault, KRW 300 million in property division, and custody
For those facing divorce who want to know about property division and custody, we explain how consolation money, the property division ratio and child support were decided in a shared-fault case.
Using cards during personal rehabilitation: rules for credit cards and debit cards
For those worried about using cards ahead of personal rehabilitation, we answer question by question whether you can use credit and debit cards and which card use to avoid right before applying.
Personal rehabilitation after failed stock investments: the court’s review and the statement of how the debt increased
For those considering personal rehabilitation because of debt from failed stock investments, we explain the four things the court looks at, how to write the statement of how the debt increased, and the materials to prepare.
Personal rehabilitation creditors' meeting and how often you attend court
For those wondering how many times they must go to court during personal rehabilitation, we have organized by question what the creditors' meeting is, what happens that day, and what happens if you miss it.
Responding to debt collection until the personal rehabilitation prohibition order is served
For those still getting collection calls after filing for personal rehabilitation, we have summarized how to respond to debt collection before the prohibition order is served and what actions to avoid.
Personal rehabilitation case of a rental business owner: debt from returning jeonse deposits
For rental business owners who have buildings but no cash, we use a case to explain how returning jeonse deposits turns into debt and what must be checked separately in personal rehabilitation.
Student loans and personal rehabilitation: a case of a young professional
For young professionals getting by on interest-only payments for student loans and living-expense loans, we use the case of one who chose personal rehabilitation to summarize the worries raised in consultation and how life changed.
Personal rehabilitation case: key money and debt from expanding a restaurant
For self-employed business owners whose loans ballooned after expanding, we trace how a restaurant owner who received key money and enlarged his shop ended up in personal rehabilitation.
Wonju personal rehabilitation: why screening has become stricter as external rehabilitation commissioners expand
For those preparing for Wonju personal rehabilitation, we explain why people say screening has become stricter, how the external rehabilitation commissioner system works, and which documents to prepare in advance.
Divorce preparation documents: differences between divorce by agreement, divorce by mediation, and judicial divorce
For those preparing for divorce, we use a table and lists to explain the differences between divorce by agreement, divorce by mediation, and judicial divorce, their legal effect, the documents needed, and the statutory grounds for judicial divorce.
Evidence of a spouse's infidelity and divorce: statutory grounds for judicial divorce and circumstantial evidence
For those who suspect a spouse's infidelity but hesitate to divorce for lack of evidence, we explain the grounds for judicial divorce, the burden of proof, and the circumstantial evidence the court accepts.
When to seek Wonju personal rehabilitation consultation: prohibition orders and 3-year repayment plans
For those worn out by juggling card bills and collection calls, we explain why you should not put off Wonju personal rehabilitation, covering prohibition orders, the minimum cost of living, 3-year repayment plans, and credit recovery.
What to do when caught drink driving, and penalty standards by blood alcohol concentration
For those at a loss after being caught drink driving, we explain three things you must never do, the license and penalty standards for each blood alcohol concentration range, and frequently asked questions.
Personal Bankruptcy: Eligibility, Procedure, Differences from Personal Rehabilitation, and Discharge
For those looking into personal bankruptcy because they cannot repay their debts, we have summarized eligibility, the differences from personal rehabilitation, the six-step procedure and what changes after discharge, along with frequently asked questions.
Wonju Personal Rehabilitation: Missed Monthly Repayments, Termination Standards and Supreme Court Precedent
For those in Wonju personal rehabilitation who are behind on monthly repayments and worried about termination, we have summarized practical standards by period of non-payment, the requirements for termination, Supreme Court precedent and how to respond before and after termination.
Wonju Personal Rehabilitation: Application Conditions, Income, Cost of Living and Net Assets
For those hesitant to seek a consultation because they are unsure whether Wonju personal rehabilitation is possible, we have summarized five application conditions you can first assess for yourself, with examples.
Wonju Personal Rehabilitation Procedure: 10 Steps from Consultation to Discharge
For those looking into Wonju personal rehabilitation for the first time, we have summarized the 10-step procedure from consultation to discharge, how long each step takes, and what to check when progress is delayed.
Wonju Personal Rehabilitation and Credit Recovery: 1 Year of Faithful Repayment and Deletion of Public Information
For those in Wonju personal rehabilitation wondering when their credit will recover, we have summarized the new standard under which public information is deleted after 1 year of faithful repayment, the conditions for deletion, and how financial transactions change afterward.
Personal Rehabilitation for Tenants: Jeonse Deposits, Pledges, Small-Amount Deposits and Liquidation Value
For tenants on jeonse or monthly rent who are considering personal rehabilitation, we explain how deposits are treated through three concepts, pledges, small-amount deposits and liquidation value, with a worked calculation.
Bank Statements in Personal Rehabilitation: How the Court Looks at Loan Use and Withdrawals
For anyone hesitating over personal rehabilitation because of bank statements, we explain how the court looks at loan use, withdrawals, salary deposits, self-employed income, card cash-outs, and securities and crypto accounts.
Wonju Personal Rehabilitation: Responding to Correction Requests, Supporting Documents and the Liquidation Value Standard
For those worried about correction requests after filing for personal rehabilitation in Wonju, we set out the explanation standards the court applies to loan use, accounts and cards, a spouse's income and overseas travel.
How Long Personal Rehabilitation Takes in Wonju: Differences Between Courts and the Commencement Decision
For those wondering how long personal rehabilitation takes in Wonju, we explain the stages of the procedure, what the commencement decision means, why timelines differ between courts and when you can choose the court with jurisdiction.
The Reality of Personal Bankruptcy in Wonju: Filing, the Trustee Interview and Discharge
For those considering personal bankruptcy in Wonju, we set out the reality you face at each stage, from deciding before filing and preparing documents to the trustee interview and life after discharge.
Personal Rehabilitation in Wonju: Why People Put It Off, and What We See in Consultations
For those who have been putting off personal rehabilitation in Wonju for years because of debt, we explain why decisions get postponed and the difference between consulting early and consulting late.
Changing Jobs, Moving or Divorcing During Personal Rehabilitation: Is It Possible?
For those facing a job change, a move or a divorce during personal rehabilitation, we explain what must be reported or explained to the court in each situation and why we do not recommend investing in stocks or crypto.
Preparing for Correction Requests in Wonju Personal Rehabilitation: Explaining Spending and Liquidation Value
For those who have filed for personal rehabilitation in Wonju, we set out how to prepare for the correction request that almost always follows: loan use and liquidation value, bank accounts and cards, and your spouse's income.
Lump-Sum Repayment in Personal Rehabilitation for Faster Discharge and Credit Recovery
For those looking into lump-sum repayment in personal rehabilitation ahead of a wedding or a loan, we set out the three things the court looks at, the application procedure and the cases where applying can actually work against you.
Wage Garnishment vs. Bank Account Seizure, and Prohibition and Stay Orders in Personal Rehabilitation
For those worried about wage garnishment, we compare bank account seizure and wage garnishment, explain why wage garnishment is rare, and show how prohibition orders and stay orders are used in personal rehabilitation.
Personal Rehabilitation for Public Servants: Disadvantages, Pension Loans and Mutual Aid Association Loans
For public servants, school staff and military personnel preparing for personal rehabilitation, we explain how pension loans and mutual aid association loans are handled and why SGI Seoul Guarantee must be included in the list of creditors.
Comparing Debt Adjustment Options: Personal Rehabilitation, Bankruptcy and Workouts
For those wondering which debt adjustment option suits them, we compare personal rehabilitation and Credit Counseling and Recovery Service debt adjustment in a table covering the scope of reduction, creditor consent and the effect on credit.
The Commencement Decision in Personal Rehabilitation and How Repayments Are Paid
For those who have filed or are preparing to file for personal rehabilitation, we explain how the repayment start date is set, payment through a virtual account, and how repayments pile up when the commencement decision is delayed.
Crypto Investment Losses in Personal Rehabilitation: Seoul Bankruptcy Court vs. District Courts
For those considering personal rehabilitation because of crypto or stock investment losses, we compare with examples how the Seoul Bankruptcy Court and district courts calculate liquidation value differently, and list three things to check before filing.
Drawbacks and Cautions of Personal Bankruptcy, from Filing to Life After Discharge
For those considering personal bankruptcy, we set out its drawbacks and cautions, from consultation and choosing a representative to documents, requests for family records, the bankruptcy trustee interview and credit restrictions after discharge.
Bank Statements Before Filing for Personal Rehabilitation: How the Court Looks at Spending and Income
For those worried about submitting bank statements before filing for personal rehabilitation, we answer questions on how loans and withdrawals were used, how income is checked for new employees and the self-employed, and card cash-outs and crypto accounts.
Disadvantages of Personal Rehabilitation: From Living Expenses to Cards, Loans and Guarantee Insurance
For those wondering about the disadvantages before filing for personal rehabilitation, we cover the living expense standard, credit card and loan restrictions, guarantee insurance, the document burden and what you can keep doing as before.
Will My Employer Be Notified of Wage Garnishment? Bank Account Seizure vs. Wage Garnishment
For those worried that a wage garnishment will be reported to their employer, we explain the difference between bank account seizure and wage garnishment, the amount protected from seizure, prohibition and stay orders in personal rehabilitation, and assignment orders.
Late Card Payments and the Risks of Revolving Credit, from the Five-Business-Day Rule to Seizure
For those worried about late card payments or revolving credit, we explain how many days late is acceptable, how revolving interest works, the path to payment orders and seizure, and tips for managing your cards.
Three Months of Missed Repayments in Personal Rehabilitation: When Proceedings Are Discontinued and How to Respond
For those anxious about falling behind on personal rehabilitation repayments, we explain what three months of missed payments really means, a Supreme Court case in which discontinuance was avoided, and the steps to take after a missed payment.
Personal Rehabilitation Repayment Rate Statistics: When 90% of Debt Is Forgiven
For anyone wondering how much debt personal rehabilitation can reduce, we review repayment rate trends from court statistics and the four conditions that widen the reduction.
Grounds for Dismissing Personal Rehabilitation: 7 Criteria the Court Reviews
For anyone worried about dismissal before filing for personal rehabilitation, we outline the seven grounds for dismissal that courts actually raise and what to do after a dismissal.
Consequences of a Discontinued Personal Rehabilitation: Revived Interest and Seizure
For anyone finding life hard during personal rehabilitation, we explain why things get tougher from the first year and the consequences of discontinuance, such as revived interest and seizure.
Types of Mid-Course Discontinuance in Personal Rehabilitation and Preparing Repayments
For anyone in or preparing for personal rehabilitation, we explain the three types that lead to mid-course discontinuance, with cases, and when to start saving repayments.
Getting a Credit Card After Personal Rehabilitation or Bankruptcy: Timing and Criteria
For anyone wondering when they can get a credit card again after rehabilitation or bankruptcy, we explain how credit information works, when cards can be issued and what affects approval.
Debts Past the Statute of Limitations: Bank Account Seizure and Interruption of Limitations
For anyone waiting for an old debt to expire under the statute of limitations, we cover limitation periods by type of claim, interruption, the 10-year extension after a judgment, and treatment in rehabilitation and bankruptcy.
Personal Rehabilitation, Workout and the Fresh Start Fund: Differences and How to Choose
For anyone choosing a way to settle debts, we compare personal rehabilitation, the workout and the Fresh Start Fund in one table by operator, debt limit, delinquency requirement, repayment period and cost.
General Rehabilitation vs Personal Rehabilitation: Eligibility, Procedure and Cost
For anyone looking into general rehabilitation because their debts exceed the personal rehabilitation limits, we cover who it is for, how it differs from personal rehabilitation, procedure and cost, and what claim finality after confirmation means.
What Changes in Personal Rehabilitation in 2026: Living Expenses and New Rehabilitation Courts
For anyone filing for or going through personal rehabilitation in 2026, we cover the higher living expense standard, additional living expenses, new rehabilitation courts, public record deletion and simpler paperwork in one place.
Types of Personal Bankruptcy Discharge and How the Court Decides
For anyone considering personal bankruptcy and worried about whether a discharge will be granted, we outline five types where discharge is relatively easier and the criteria the court weighs together.
Personal Rehabilitation vs Personal Bankruptcy: Why the Court Looks at Rehabilitation First
For anyone wondering whether bankruptcy, where you do not have to repay, is the better option, we compare personal rehabilitation and personal bankruptcy and explain why the court looks at rehabilitation first.
Preparing for the Bankruptcy Trustee Interview and the Personal Bankruptcy Procedure
For anyone nervous about the bankruptcy trustee interview, we walk through the procedure from the bankruptcy declaration to discharge, its duration, required documents, interview questions and how to prepare, in question order.
Responding to Debt Collection Step by Step: From Calls and Visits to Seizure
For anyone worried about collection calls, registered mail and seizure after falling behind, we explain the order in which lawful debt collection proceeds and how to respond at each stage, from texts to home visits.
Drawbacks and Inconveniences of Personal Bankruptcy Compared with Personal Rehabilitation
For anyone considering personal bankruptcy, we compare seven drawbacks to know before filing and how it differs from personal rehabilitation in credit recovery, prohibition orders and refiling.
Personal Rehabilitation Requirements and Debt Repayment: Eligibility Explained
For anyone looking into personal rehabilitation for the first time, we explain the concept, how debts are repaid, the repayment period and protections, and the four requirements for filing.
Higher Minimum Living Expenses for Personal Rehabilitation in 2026 and Conditional Confirmation
For anyone preparing for or going through personal rehabilitation in 2026, we cover the increase in minimum living expenses by household size, questions about length of employment, and how to avoid conditional confirmation.
What to Do When Caught Drunk Driving and Penalty Standards by Blood Alcohol Concentration
For anyone caught drunk driving or wondering about the standards, we outline three things not to do at the scene, penalty standards by blood alcohol concentration range, and how the amount you drink relates to the reading.
Tell us what is happening first
Leave an inquiry and we will explain how to proceed after reviewing it. If it is urgent, please call 1577-0448.