Korea Credit Counselor (신용상담사) cheat sheet
Korea Credit Counselor (신용상담사) · Keep the key ideas within reach.
Client goals, household cash flow and planning process
Define scope and compensation.
Separate assets from cash flow.
Use consistent periods and ratio definitions.
Review financial and nonfinancial retirement goals.
Korean debt-adjustment and rehabilitation pathways
Distinguish negotiated and judicial pathways.
Compare interest, principal and timing effects.
Do not guarantee approval or discharge.
Verify current program conditions.
Credit information, fair collection and counseling ethics
Separate debt existence from collection conduct.
A family connection is not automatic liability.
Use accurate information for a proper purpose.
Disclose conflicts and avoid coercive counseling.