65 – Future Capital
“Yeah Yoo Seon-ah! Where have you been all this time…? How surprised I was when you suddenly ran out without any contact.”
“..That… That’s…! Now o…”
“Yoo Seon is doing well! Director, you don’t have to worry too much!”
“I’m glad you said that, Yoojung. Where does she sleep…”
“Yoo Seon-ah! Let’s go find clothes quickly!”
I thought it would get complicated if I talked about it. I quickly grabbed Yoo Seon-i and moved on to get her clothes and other necessary items.
I don’t think it’s been a month since I left this nursery school.
Something… This nursery school doesn’t look like it used to.
Was the nursery school originally this small..?
The director again- Why do you look so old..?
Although it’s only been a month, maybe it’s because I drank social water, I think my insight into the world has broadened a bit. Something.. Seems to have become more mature!
“…Okay! Guys, we’ve come this far! Let’s eat and go!”
“Uh.. Bob..!”
“I’m… Sorry! I’m not very hungry!”
I couldn’t think of anything to eat. Hmong Hmong… Maybe because I ate a lot, I wasn’t hungry.
And… There are many other things to do besides going to the nursery and looking for clothes. So time is running out. I have to go to that bank and open a wired account, and again- I have to buy a cell phone.
Again- I’m sure the director will ask a lot about me and Yoo Seon while eating. I don’t want to tell the director that I’m living with Yoo Seon. It’s not too late to say that after a little bit more time has passed.
“Yes. I hope to come again next time!”
“I’ll come visit often!”
The director made a very sad expression.
Even when I thought about it, I thought it was heartless to pack only the things I needed and leave right away.
Unfortunately, we don’t have time… Next time.
2)
First of all, I need to create a bank account for wired.
I felt this while receiving the daily wages for my part-time job, but there is a risk of loss if I receive money in cash like this, and for the same reason, I can’t keep a large amount of cash at home.
I plan to keep it safe in the bank. Interest rates have been rising lately, so I think it would be nice to open an installment savings account…
“Have you ever taken out a loan from another financial institution…?”
“On…?”
No, records of loans from other financial institutions while making bankbooks..? I’m not sure why you need that.
I just have my ID, and the bank teller’s sister is looking up my identity. I just signed this and that with a highlighter and circled it,
After that, they made me a bank account. This is the first time I have checked and checked what kind of loan.
“…Yoo Seon-ah, did you borrow any money?”
“…….”
From noble mtl dot com
Even when I asked, Yoo Seon only broke out in a cold sweat and didn’t say anything.
When Yoo Seon-i has a problem of his own, he doesn’t think about solving it by telling others. The problem is that he always tries to solve it by himself.
Even now he just grunts inwardly and never tells me why.
If you’re honest with me, I said I’d help… But I don’t know why… Why Yuseon always tries to shoulder everything by himself.
“…Me! I’ll be back next time!”
Without saying anything to me, Yoo Seon opened the bank door and ran away.
I grabbed the hem of Yoo Seon-i’s clothes and stopped him as he was about to cross the railroad crossing after exiting the bank door.
“Yoo Seon-ah… Why..? Is something going on…? Did you borrow money from somewhere?”
“…”
I asked him, but he just… Didn’t answer anything.
-Ungwoong
At that time, my phone rang and I checked who it was… It was the director.
Now, the director has no reason to contact me… Is there anything I left at the nursery school…?
That’s what I thought.
-Jung Yoo, is there a wire next to you..?
– Ah! Yes But why…?
-No, that… Someone came from Future Capital. I have to pay that… Debt, so there was a story like that. I’m not sure what these people are talking about. I think you are looking for Yoo Seon.
-Hey, first of all, I’ll take Yoo Seon there!
-Yes, I understand.
“Hey, Yoo Seon-ah. I’m looking for you at a facility called Mirae Capital…”
“…..”
When I was talking to the clerk at the bank-Yoo Seon broke into a cold sweat, but now his face was very blue-I could see his hands shaking.
“I know.”
Even giving that short answer seemed too daunting to Yoo Seon.
Back at the nursery, black suits. And a man who was very good at studying and wearing rimless glasses was waiting for Yoo Seon at the entrance of the nursery school.
“…Kang Yoo-seon, right…? I have something to tell you about inheritance.”
“…Yes”
“Can I talk to you for a moment…?”
“…Wait a minute, Yoo Seon-ah. Can I listen with you? It doesn’t matter much if I just listen next to you..?”
Yoo Seon has many secrets.
I’ve felt it while living with Yoo Seon so far, but like the tip of the iceberg, Yoo Seon has many secrets that haven’t been revealed.
I wanted to know the hidden stories of Yu Seon.
Because I want to be of strength and help. So I wanted to know what happened to Yu Seon.
“…That… Yoo Seon…? Who is this…? That… I don’t really care. If Yoo Seon doesn’t like it, we can talk separately.. .”
“No, just let me listen.”
“Oh, well… It doesn’t matter if you want to. It can take a long time. Shall we sit down and talk at a nearby cafe…? I’ll buy you coffee!”
3)
There is such a thing as debtor inheritance.
So, for example, if your parents borrow money and lose their lives in an unexpected accident or… If you have a personal problem and can’t repay the money, the child pays the parents’ debt instead. It’s a system
In this case, not only the debt is inherited, but also the property owned by the parents is also inherited.
Me and Yoo Seon-i are like that. At most, I just passed the GED – I’m a newcomer to society, so I don’t understand what the hell you’re talking about because there are a lot of terms related to the law… But I can understand this one thing. .
That Yoo Seon has a lot of debt right now.
To some extent, Yoo Sun had so much debt that he could pay it off only if we worked at the distribution center.
“…But in this case, there is an application for bankruptcy, and there is also a system called personal relief. The bankruptcy system is that Mr. Yoo cannot pay this debt – officially certified by the state…”
“What happens when I get certified?”
“You cannot create a bankbook or property under Yoo Seon’s name. Because Yoo Seon does not have the ability to pay off debts or accumulate ‘money’.”
“…Then what about personal relief…?”
“The interest and principal are forgiven to some extent, and then the government helps Yoo Seon to repay the debt…
If you seek personal relief, Yoo Seon can receive the debtor’s property.
If I could give you one piece of advice, I would prefer Yoo Seon to file for ‘personal relief’ rather than ‘bankruptcy system’.
Because by applying for ‘individual relief’, Yoo Seon inherits his father’s property and uses it to pay off his debt…Ah…! Of course, the amounts shown here are not exact.
Our appraiser will come and calculate the depreciation on the property… We need to know the exact value of the property, so there may be some fluctuations.”
-Tadaktadak
In a quiet cafe. The only thing that rang out was the tapping of the calculator.
“Father has continued to repay the debt and the principal until now. In the case of the ‘personal relief’ that Mr. You can do it.
And… If the debtor’s property is also auctioned off and disposed of… Well, then the amount will remain like this.”
I showed the calculated screen to me and Yoo Seon.
…I think I can pay you back with this…?
The huge amount of debt I was about to hear just now has been greatly reduced.
To make an analogy, the money that could be repaid by working non-stop for several years at the distribution center has now changed to money that can be repaid with just a few months of work.
Even if you spend all your money, you have enough debt to live on whatever you want to eat.
Expensive cell phones, state-of-the-art computers. It was money that I could pay back enough if I just gave up something like that.
“…Anyway, since Mirae Capital is private finance, not primary finance, the bank would not have tried to make a bankbook for Yoo Seon.
Originally, the bank doesn’t try to open a bankbook for someone who is 20 years old and has so much debt.
However, if you cancel your debt and restore your credit rating through personal relief, you will be able to get a bankbook in Mr. Yoo’s name, a cell phone, and… A car in your personal name.”
As I calmly listened to the story, ‘personal relief’ seemed better than filing for ‘bankruptcy’.
Once you file for ‘bankruptcy’, you will be obligated to pay the money, but you have too much to lose.
I don’t know how many thousands of debts I have to pay through ‘personal relief’. It was a few hundred units at most. And… I don’t even pay interest, and I just have to pay off my current debt…
“If you do personal relief, you have to pay it back by when. Is there such a thing…? You have to pay it right away by tomorrow…”
“The system of personal relief itself is a system created as a social safety net so that debtors who owe a lot in the country do not make extreme ‘choices’, so there is no set deadline or demand for debt.
It’s a system that allows you to repay your debts naturally while going about your daily life. Well… While receiving personal bailout, there may be difficulties in purchasing loans or ‘things’ in your personal name… But filing for ‘bankruptcy’ for 1,20 million won is…
“…I heard the explanation…”
Yeon Seon, who had been silently listening to our conversation, finally spoke a word. The story you are talking about must be sensitive to Yoo Seon. So, Yoo Seon-i looked very tired.
“…Then where do you apply for personal relief…?”
“Ah..! That requires these documents…!”
The man who was explaining various things to us opened the leather bag next to him and took out various documents and put them in front of Yoo Seon.
Affidavits, property documents, repayment plans, personal rehabilitation creditors lists, etc… A large amount of papers came out of the bag to fill the table.
“It will take a year at the most and a few months at the shortest.
In the meantime, Yoo Seon-ssi can go to the nearby city hall to get these documents issued and fill them out… After filling them out, all you have to do is submit them to the local court.
If you need other legal advice or help – please contact me with this business card…”
Mirae Capital – Assistant Manager Cheonmyeong Kim
I took the business card with
Written on it, putting it in my wallet instead of Yoo Seon.
“The documents here contain the basic forms needed for personal relief and a brief description of how to use them.
…At the time of the IMF, people who owed a lot of debt made extreme ‘choices’, so…
Therefore, there is no difficulty in ‘application’. However, it is a problem because there are many people who want to abuse the individual relief system in the process of ‘examination’.
In the case of Yoo Seon, I think you can pass the personal relief review without much difficulty and repay the debt.
… Anyway, thank you for taking the time to do this. Then next time – if you need help, call me anytime.”
90 Degrees. It feels a little strange to see a man who is older than us say a direct hello.
Originally, when I look at people who ask me to pay back money, I see a man with a tattoo. Or, I expected that guys with shaved hair would come in and make a fuss, but I was a little touched by how kind they were.
– With a little girl…
After confirming that the glasses-wearing man had left the cafe, I checked the documents on the table. First of all, since all government offices are closed on weekends, I think we should take the time to learn more about the system called personal relief on the Internet.
“But I’m glad… I don’t have that much debt…”
“…..”
“…Don’t worry. I’ll help you pay it back!”
“…Yoo Jung-ah. You don’t have to do that.”