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±¸ÀÔ¿¬µµ:  May,2003
±¸ÀÔ°¡°Ý: $355,000 (Çö½Ã¼¼: $380.000Á¤µµ) ºÎºÎ °øµ¿À̸§À¸·Î ±¸ÀÔ
Principal balance: $187,765 Á¤µµ ³²¾Æ ÀÖÀ½.
Payment: 15³â 5%($2245.87 Áý°ª only), BoA, 8³â 7°³¿ù ³²¾ÆÀÖÀ½
Áý Tax: $4,730(Àϳ⿡ µÎ¹ø ³ª´©¾î¼ ³¿)
Line of credit: $160.000 ºúÀÌ ÀÖÀ½ (Áö±Ý ÀÌÀÚ¸¸ $330Á¤µµ ³»°í ÀÖÀ½. 2.5- 3.5% ÀÌÀÚÀ²) BoA Á¦ À̸§À¸·Î¸¸ ºô·ÈÀ½.
Credit »óÅÂ: Credit Á¡¼ö´Â 990(Oct. 2009) ÇÏÁö¸¸ °æÁ¦ ÇüÆíÀÌ ¾ÈÁÁ¾ÆÁö°í ÀÖ¾î(ÀÚ¿µ¾÷: net $3800 Á¤µµ)
                 Credit Card¸¦ ¸¹ÀÌ »ç¿ëÇÏ°í ÀÖÀ½.(»ýÈ°ºñ,etc.) 
Á¦°¡ ¾Ë°í ½ÍÀº°ÍÀº 1Â÷¿Í line of creditÀ» ÇÕÇØ loan modificationÀÌ µÅ´ÂÁö, 1Â÷¸¸ µÈ´Ù´Â ¼Ò¸®¸¦ µé¾ú´ø°Í °°¾Æ¿ä. 1Â÷ ¹Û¿¡ ¾ÈµÈ´Ù¸é ³²ÆíÀ̸§À¸·Î¸¸ loan modificationÀÌ °¡´ÉÇÑÁö¿ä. ³²Æíµµ ºúÀÌ ´Ã°í ÀÖ¾î¿ä. µµµÏ³ð ½Éº¸ °°Áö¸¸ ÀÌ·± »óÅ·Π°¡´Ù°¡´Â Á¦°¡ line of creditÇÏ°í credit ºúÀ» ¾È°í ÆÄ»êÇÒ±î ÇÏ´Â »ý°¢µµ ¸¹ÀÌ µå´Â±º¿ä. ±×°ÍÀÌ °¡´ÉÇÑÁöµµ ±Ã±ÝÇÏÁö¸¸¿ä. ´ã´ãÇÏ°í ¾Õ³¯ÀÌ ¾Èº¸À̴ °Í °°¾Æ¿ä.
ÁýÀº µÉ¼öÀÖÀ¸¸é KeepÇÏ°í ½Í±º¿ä. ÃÊ,Áß,°í µµº¸°Å¸®¶ó Áö±Ý ±×¸®°í ¾ÕÀ¸·Îµµ Á¦°¡ ÀÏÀ» ÇÒ¼öÀÖ¾î¿ä. ½Ä±¸°¡ ¸¹¾Æ Áý rentµµ ½±Áö¾Ê°í¿ä. ´ä´äÇÑ ¸¶À½¿¡ ÀÌ·¸°Ô ¹®ÀÇ µå¸³´Ï´Ù. ´ä±ÛÀ» ±â´Ù¸®¸ç.......