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   <news:title>폐업 자영업자가 채무조정 후 신용점수를 회복하려면 무엇부터 해야 할까?｜연체정보·공공정보 관리와 신용거래 회복 단계</news:title>
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   <news:title>채무조정 후 재창업하면 사업자대출을 다시 받을 수 있을까?｜공공정보 해제와 금융기관 심사 기준</news:title>
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   <news:genres>Blog</news:genres>
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   <news:title>폐업 자영업자가 재취업하면 고용보험과 국민연금 보험료를 지원받을 수 있을까?｜두루누리 월평균 보수 270만원 미만·80% 지원 조건</news:title>
   <news:publication_date>2026-10-10T06:47:03Z</news:publication_date>
   <news:genres>Blog</news:genres>
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   <news:title>새출발기금 완제 또는 개인회생 면책 후 통장 압류는 어떻게 해제할까?｜압류 원인별 확인 절차와 필요 서류</news:title>
   <news:publication_date>2026-10-10T06:35:58Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-10-10T06:20:17Z</lastmod>
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    <news:language>ko</news:language>
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   <news:title>폐업 자영업자가 재창업을 준비할 때 어떤 정부 지원을 받을 수 있을까?｜희망리턴패키지 지원 대상과 최대 2,000만원 조건</news:title>
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   <news:genres>Blog</news:genres>
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    <news:language>ko</news:language>
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   <news:title>개인사업자 개인회생 인가결정 후 기존 가압류는 어떻게 될까?｜집행 효력 상실과 해제 신청 절차</news:title>
   <news:publication_date>2026-10-10T06:12:53Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-10-10T00:04:04Z</lastmod>
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   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>폐업 자영업자가 채무조정 성실상환 중 소액대출을 받을 수 있을까?｜6개월 상환 요건과 신청 대상 확인</news:title>
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  <lastmod>2026-10-09T23:57:29Z</lastmod>
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    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>개인사업자 개인회생 면책 후 부가가치세와 소득세 체납액은 어떻게 될까?｜면책 대상 세금과 국세징수권 소멸시효</news:title>
   <news:publication_date>2026-10-09T23:57:26Z</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/new-start-fund-restart-business-installment-repayment/</loc>
  <lastmod>2026-10-09T23:51:32Z</lastmod>
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    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>새출발기금 약정 후 분할상환 중 다시 창업해도 될까?｜재창업 시 약정 유지 조건과 확인할 사항</news:title>
   <news:publication_date>2026-10-09T23:51:29Z</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/closed-business-new-start-fund-vs-personal-rehabilitation/</loc>
  <lastmod>2026-10-09T13:00:09Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>폐업 자영업자는 새출발기금과 개인회생 중 무엇을 선택해야 할까?｜대상 조건·원금조정·재산 반영·상환기간 비교</news:title>
   <news:publication_date>2026-10-09T13:00:05Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-10-09T12:52:15Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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   <news:title>폐업 소상공인이 새출발기금을 신청하면 공공정보는 언제 해제될까?｜성실상환 1년 기준과 취업·재창업 연계 해제 조건</news:title>
   <news:publication_date>2026-10-09T12:52:13Z</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-spouse-business-assets/</loc>
  <lastmod>2026-10-09T12:45:47Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
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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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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/self-employed-loan-delinquency-bank-account-use/</loc>
  <lastmod>2026-10-09T05:42:05Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <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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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/personal-rehabilitation-unpaid-business-invoices/</loc>
  <lastmod>2026-10-09T05:35:01Z</lastmod>
  <news:news>
   <news:publication>
    <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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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/personal-rehabilitation-business-lease-deposit-key-money/</loc>
  <lastmod>2026-10-09T05:15:01Z</lastmod>
  <news:news>
   <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>
  <news:news>
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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>
  <news:news>
   <news:publication>
    <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>
  <news:news>
   <news:publication>
    <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>
  <news:news>
   <news:publication>
    <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>
  <news:news>
   <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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