신용불량자로내몰려버린현실속에서많은사람들이결정을미루곤합니다절망이깊어질수록제도는새출발을돕기위해존재합니다개인파산신청은채권추심에서벗어나게도와줍니다회생과구별되는가장큰특징은지급불능상태라면신청자격이된다는점입니다절차개시를위�