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반대로 너무 적게 산정하면 ‘성실성 부족’으로 판단될 수 있으므로 사실에 근거한 현실적인 계획이 중요합니다. 서류가 부실하거나 변제계획이 비현실적이면 법원에서 인가가 거절될 수 있습니다. 가족관계증명서와 함께 실제 생계를 함께하는지 여부(동

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