도저히감당할수없는채무에짓눌려서무기력하게시간만보내게됩니다하지만제도는새출발을돕기위해존재합니다개인파산신청은경제적재기의시작점이됩니다특히정기적인수입이없어도신청가능하다는점입니다절차개시를위한요건은지속적수입이없거나미미해야하�