매달쏟아지는연체고지서앞에서포기할수밖에없다고믿게됩니다그럴수록바로그때필요한제도가있습니다재산보다채무가크고변제불능일때진행하는이절차는채권추심에서벗어나게도와줍니다다른제도와비교해도생계형채무자의마지막방파제라는점입니다파산이인�