Steps to sort out debt
The tools for each step, in order- 1Know where you standLate interest and limitation periods
- 2Pay it off yourselfOrder and refinancing
- 3Debt adjustmentThe program for you
- 4Protect yourselfSeizure and collection
All debt tools
"e.g." lines summarize each tool page's worked exampleIndividual rehabilitation payment calculatorMonthly and total repayments from income and household sizee.g. ₩3M/month → ₩1.46M paymentFind the right debt adjustmentFind the program that fits your overdue period, income and debt sizee.g. 90+ days overdue → individual workoutWage & account seizure protection calculatorHow much of your salary can be seized and how much is protectede.g. ₩4M salary → up to ₩1.5M seizableDebt statute of limitations calculatorWhen a debt's limitation period ends, from debt type and last paymente.g. card debt → 5 years · personal debt → 10 yearsDebt payoff order calculatorWhich debts to pay first to pay the least intereste.g. highest rate first vs. smallest debt firstLate payment interest calculatorLate interest from the overdue period and ratee.g. ₩10M · 30 days → ₩74KIllegal interest rate checkerWhether private lender interest is illegal and how much you can get backe.g. ₩900K→₩1M · 7 days → 579%/yrIllegal debt collection checkerCheck with a checklist whether the collection you face is illegale.g. over 7 contacts in 7 days → illegalDebt adjustment payment simulatorHow much your monthly payment drops after debt adjustmente.g. ₩1.37M/month → ₩550KRefinancing savings calculatorWhat you really save by switching to a lower ratee.g. 15%→9% → ₩3.09M saved over 3 years