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   <news:title>폐업 소상공인이 새출발기금을 신청하면 공공정보는 언제 해제될까?｜성실상환 1년 기준과 취업·재창업 연계 해제 조건</news:title>
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  <lastmod>2026-10-09T12:45:47Z</lastmod>
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   <news:title>개인사업자 개인회생에서 배우자 명의 사업장 재산도 내 재산으로 잡힐까?｜배우자 재산의 청산가치 반영 기준과 예외</news:title>
   <news:publication_date>2026-10-09T12:45:44Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-10-09T05:42:05Z</lastmod>
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    <news:language>ko</news:language>
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   <news:title>사업자대출 연체로 신용거래가 막힌 자영업자도 본인 명의 통장을 사용할 수 있을까?｜통장 압류와 새출발기금 신청 후 금융거래</news:title>
   <news:publication_date>2026-10-09T05:42:02Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-10-09T05:35:01Z</lastmod>
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    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>개인사업자 개인회생에서 거래처 물품대금·미지급 대금도 면책받을 수 있을까?｜상거래채권 채권자목록 작성과 누락 시 불이익</news:title>
   <news:publication_date>2026-10-09T05:24:52Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-10-09T05:15:01Z</lastmod>
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   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>개인사업자 개인회생에서 사업장 임차보증금과 권리금은 어떻게 처리될까?｜청산가치에 반영되는 재산과 면제재산 기준</news:title>
   <news:publication_date>2026-10-09T05:14:58Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-10-09T03:38:32Z</lastmod>
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    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>폐업한 개인사업자가 재취업해 월급을 받으면 새출발기금 약정이 취소될까?｜재취업 후 채무조정 유지와 공공정보 해제 조건</news:title>
   <news:publication_date>2026-10-09T03:38:29Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-10-09T03:28:57Z</lastmod>
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    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>자영업자 채무조정 시 사업자대출과 신용카드 미납금도 함께 조정할 수 있을까?｜새출발기금 포함 채무와 제외되는 대출 확인</news:title>
   <news:publication_date>2026-10-09T03:28:54Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-10-09T03:20:29Z</lastmod>
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    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>개인사업자 대출 연체로 신용보증재단이 대위변제했다면 통장·재산 압류는 바로 들어올까?｜대위변제 후 구상채권·강제집행 진행 과정</news:title>
   <news:publication_date>2026-10-09T03:20:25Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/closed-business-owner-personal-rehabilitation-new-start-fund/</loc>
  <lastmod>2026-10-09T03:09:08Z</lastmod>
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    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>폐업한 자영업자가 사업자대출을 못 갚으면 개인회생을 해야 할까?｜새출발기금 부실차주 90일 연체·원금조정 조건 비교</news:title>
   <news:publication_date>2026-10-09T03:09:05Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/self-employed-new-start-fund-debt-adjustment-before-closure/</loc>
  <lastmod>2026-10-08T13:10:19Z</lastmod>
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   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>자영업자가 폐업 전 채무조정을 신청할 수 있을까?｜새출발기금 부실우려차주와 중개형 채무조정 조건</news:title>
   <news:publication_date>2026-10-08T13:10:17Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/commercial-small-tenant-priority-repayment-auction/</loc>
  <lastmod>2026-10-08T13:00:17Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>상가 건물이 경매로 넘어가면 영세 상인의 보증금은 보호받을 수 있을까?｜상가 소액임차인 최우선변제금과 자격 기준</news:title>
   <news:publication_date>2026-10-08T13:00:11Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/yellow-umbrella-closure-year-deduction/</loc>
  <lastmod>2026-10-07T22:38:31Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>폐업하면서 노란우산공제를 받으면 그해 납입한 부금도 소득공제를 받을 수 있을까?｜공제금·임의해약에 따른 소득공제와 과세 기준</news:title>
   <news:publication_date>2026-10-07T22:38:29Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/franchise-store-early-termination-penalty/</loc>
  <lastmod>2026-10-07T13:28:49Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>프랜차이즈 가맹점을 계약기간 중 폐업하면 위약금을 모두 내야 할까?｜중도해지 조건과 표준가맹계약서 확인사항</news:title>
   <news:publication_date>2026-10-07T13:28:46Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/commercial-lease-registration-order-closure-deposit/</loc>
  <lastmod>2026-10-07T13:20:54Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>상가 보증금을 돌려받지 못한 채 폐업 신고를 먼저 해도 괜찮을까?｜대항력 유지를 위한 상가 임차권등기명령 절차</news:title>
   <news:publication_date>2026-10-07T13:20:51Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/tax-arrears-collection-special-case-restart/</loc>
  <lastmod>2026-10-07T13:12:52Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>폐업한 영세 개인사업자가 다시 사업을 시작하면 밀린 세금 부담을 줄일 수 있을까?｜체납액 징수특례의 가산세 면제와 최대 5년 분납 조건</news:title>
   <news:publication_date>2026-10-07T13:12:48Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/commercial-store-restoration-cost-closure/</loc>
  <lastmod>2026-10-07T13:06:44Z</lastmod>
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   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>상가 점포를 폐업할 때 임대인이 과도한 원상복구 비용을 요구하면 어떻게 해야 할까?｜원상복구 범위와 희망리턴패키지 점포철거비 확인</news:title>
   <news:publication_date>2026-10-07T13:06:41Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/commercial-key-money-recovery-landlord-damages/</loc>
  <lastmod>2026-10-07T12:58:39Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>상가 권리금을 회수하지 못하고 폐업할 위기라면 임대인에게 손해배상을 청구할 수 있을까?｜임대차 종료 6개월 전부터 적용되는 권리금 보호 기준</news:title>
   <news:publication_date>2026-10-07T12:58:36Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/yellow-umbrella-midterm-cancellation-tax/</loc>
  <lastmod>2026-10-07T12:47:24Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>매출 감소로 노란우산공제를 중도 해지하면 세금이 얼마나 나올까?｜일반해약과 공제금의 과세 방식 비교</news:title>
   <news:publication_date>2026-10-07T12:47:21Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/commercial-rent-arrears-three-months-termination/</loc>
  <lastmod>2026-10-07T12:49:24Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>장사가 안되어 상가 월세를 밀렸다면 언제 쫓겨나게 될까?｜상가임대차보호법 3기 연체 기준과 계약 해지 방어선</news:title>
   <news:publication_date>2026-10-06T22:34:08Z</news:publication_date>
   <news:genres>Blog</news:genres>
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