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  <lastmod>2026-10-18T08:30:39Z</lastmod>
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    <news:name>AIFREN</news:name>
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   <news:title>개인회생을 신청하기 전에 어떤 서류부터 준비해야 할까요? 소득과 빚을 증명하려면 무엇이 필요한가요?</news:title>
   <news:publication_date>2026-10-18T08:30:36Z</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/personal-rehabilitation-missed-repayments-procedure-termination/</loc>
  <lastmod>2026-10-18T08:19:21Z</lastmod>
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   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>개인회생 변제금을 몇 차례 밀렸더니 폐지될까 봐 불안합니다. 지금이라도 밀린 돈을 내면 절차를 유지할 수 있을까요?</news:title>
   <news:publication_date>2026-10-18T08:19:18Z</news:publication_date>
   <news:genres>Blog</news:genres>
  </news:news>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/personal-rehabilitation-spouse-owned-apartment-assets/</loc>
  <lastmod>2026-10-18T04:24:56Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
   </news:publication>
   <news:title>배우자 명의로 아파트가 있고 제 명의로는 재산이 거의 없습니다. 이런 경우에도 개인회생을 신청할 수 있을까요?</news:title>
   <news:publication_date>2026-10-18T04:24:53Z</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/personal-rehabilitation-debt-collection-garnishment-protection/</loc>
  <lastmod>2026-10-18T03:16:21Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>채권자들의 독촉 전화가 계속 오고 압류까지 걱정됩니다. 개인회생을 신청하면 독촉과 압류를 막을 수 있을까요?</news:title>
   <news:publication_date>2026-10-18T03:16:18Z</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/personal-rehabilitation-correction-order-document-deficiency/</loc>
  <lastmod>2026-10-18T01:52:16Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>개인회생 신청 서류를 제출했는데 법원에서 보정명령이 나왔습니다. 서류를 제대로 보완하지 못하면 기각될 수도 있나요?</news:title>
   <news:publication_date>2026-10-18T01:52:13Z</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/personal-rehabilitation-self-employed-business-income-drop/</loc>
  <lastmod>2026-10-18T01:44:35Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>자영업을 시작한 뒤 매출이 급감해 대출 이자도 못 내고 있습니다. 사업을 계속하면서 개인회생을 신청할 수 있을까요?</news:title>
   <news:publication_date>2026-10-18T01:44:32Z</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/personal-rehabilitation-home-car-asset-disposal/</loc>
  <lastmod>2026-10-18T01:35:23Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>개인회생을 신청하면 집이나 자동차까지 처분해야 하나요? 제가 가진 재산을 모두 잃을까 봐 걱정됩니다.</news:title>
   <news:publication_date>2026-10-18T01:35:21Z</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/personal-rehabilitation-monthly-repayment-calculation/</loc>
  <lastmod>2026-10-17T13:23:21Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>빚이 너무 많아 개인회생을 알아보고 있는데, 매달 얼마씩 갚아야 할지 도무지 모르겠습니다. 변제금은 어떻게 정해지나요?</news:title>
   <news:publication_date>2026-10-17T13:23:17Z</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/personal-rehabilitation-3-million-salary-living-expenses/</loc>
  <lastmod>2026-10-17T13:11:34Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>월급 300만 원을 받아도 대출금과 생활비를 내고 나면 남는 돈이 없습니다. 저도 개인회생을 신청할 수 있을까요?</news:title>
   <news:publication_date>2026-10-17T13:11:31Z</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/personal-rehabilitation-job-loss-repayment-difficulty/</loc>
  <lastmod>2026-10-17T13:04:30Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>개인회생 변제금을 꼬박꼬박 냈는데 갑자기 실직했습니다. 이제는 변제금을 못 내면 어떻게 되는 걸까요?</news:title>
   <news:publication_date>2026-10-17T13:04:26Z</news:publication_date>
   <news:genres>Blog</news:genres>
  </news:news>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/personal-rehabilitation-debt-income-assets-checklist/</loc>
  <lastmod>2026-10-17T12:45:59Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>여러 종류의 빚이 섞여 있다면 개인회생 신청 전에 무엇부터 확인해야 할까?｜채무·소득·재산 점검 순서</news:title>
   <news:publication_date>2026-10-17T10:16:57Z</news:publication_date>
   <news:genres>Blog</news:genres>
  </news:news>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/personal-rehabilitation-new-debt-discovered-after-filing/</loc>
  <lastmod>2026-10-17T10:11:26Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>개인회생 신청 후 새로운 채무가 발견되면 어떻게 해야 할까?｜신청 단계별 확인 사항과 대응</news:title>
   <news:publication_date>2026-10-17T10:11:23Z</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/personal-rehabilitation-damages-judgment-debt-exceptions/</loc>
  <lastmod>2026-10-17T10:05:02Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>손해배상금이나 판결로 확정된 채무도 개인회생에 포함될까?｜채무 발생 원인과 예외 확인</news:title>
   <news:publication_date>2026-10-17T10:04:57Z</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/personal-rehabilitation-loan-without-promissory-note-proof/</loc>
  <lastmod>2026-10-17T09:55:16Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>차용증 없이 빌린 돈도 개인회생 채무로 인정받을 수 있을까?｜송금 내역과 실제 거래 입증</news:title>
   <news:publication_date>2026-10-17T09:55:13Z</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/personal-rehabilitation-guarantee-agency-subrogation-debt/</loc>
  <lastmod>2026-10-17T08:42:28Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>사업 실패로 보증기관이 대신 갚은 대출도 개인회생에 포함될까?｜대위변제 후 채권자 확인</news:title>
   <news:publication_date>2026-10-17T08:42:25Z</news:publication_date>
   <news:genres>Blog</news:genres>
  </news:news>
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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/student-loan-personal-rehabilitation-debt-adjustment/</loc>
  <lastmod>2026-10-17T08:28:00Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>학자금대출을 갚기 어려울 때 개인회생을 신청할 수 있을까?｜대출 종류와 채무조정 가능성 확인</news:title>
   <news:publication_date>2026-10-17T08:27:57Z</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/personal-rehabilitation-card-loan-cash-advance-revolving-debt/</loc>
  <lastmod>2026-10-17T08:17:37Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>카드론·현금서비스·리볼빙 잔액도 개인회생에 포함될까?｜채무 내역 확인과 채권자목록 작성</news:title>
   <news:publication_date>2026-10-17T08:17:32Z</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/personal-rehabilitation-missing-creditor-debt-discovered/</loc>
  <lastmod>2026-10-17T08:10:00Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
   </news:publication>
   <news:title>개인회생 채권자목록에서 빠뜨린 채무를 뒤늦게 발견했다면?｜누락 채권의 처리와 면책 영향</news:title>
   <news:publication_date>2026-10-17T08:09:58Z</news:publication_date>
   <news:genres>Blog</news:genres>
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