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  <lastmod>2026-10-17T13:23:21Z</lastmod>
  <news:news>
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    <news:name>AIFREN</news:name>
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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>
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   <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>
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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>
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   <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>
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  <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>
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   <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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  <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>
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   <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>
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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>
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   <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>
   </news:publication>
   <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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  <loc>https://aifren.com/%ea%b7%bc%eb%a1%9c%c2%b7%ed%87%b4%ec%a7%81/guarantor-loan-personal-rehabilitation-guarantor-liability/</loc>
  <lastmod>2026-10-15T13:23:44Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>AIFREN</news:name>
    <news:language>ko</news:language>
   </news:publication>
   <news:title>보증인이 있는 대출로 개인회생을 신청하면 보증인에게 어떤 영향이 있을까?｜주채무자와 보증인의 책임</news:title>
   <news:publication_date>2026-10-15T13:23:40Z</news:publication_date>
   <news:genres>Blog</news:genres>
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