Debt planning · Seoul
Individual consultation sessions focused on debt repayment and household cash-flow planning — built around your real numbers, not a template.
Myth-busting
Most households arrive with a story about debt that is half right. These are the three we hear most often in Seoul — and what the numbers actually show.
The snowball method is motivating, but it is not always the cheapest path. For households carrying high-interest credit cards alongside a larger, lower-rate loan, the avalanche order (highest rate first) usually costs less in total interest. We model both against your actual balances and APRs before recommending either.
A cash-flow plan is not a starvation diet. We protect a realistic allowance for food, transport and recurring family costs first, then direct what is genuinely surplus toward debt. Plans that ignore real spending break within six weeks.
Given fixed monthly capacity, the order in which debts are repaid changes total interest more than the amount repaid. That is why we build the schedule from your statements, not from a rule of thumb.
“The households that finish repayment are not the ones with the most income — they are the ones with a schedule they actually trust.” Working principle behind every NetRelay Debt Planning session
How a cash-flow plan works
In a first session we sit with your bank and card statements for the previous 90 days and sort every transaction into four buckets: fixed obligations, variable essentials, discretionary, and debt service. Most households are surprised by one bucket — usually discretionary, sometimes fixed obligations they had stopped noticing.
From there we agree a monthly cash-flow target: a fixed amount you can commit to debt each month without dipping into essentials. That single number drives the repayment schedule. If your income changes, we re-run the schedule against the new number rather than asking you to “try harder”.
Who this is for · and not for
NetRelay Debt Planning is right for salaried professionals, dual-income families and self-employed households in Korea who can name their monthly income within a small margin and want a structured path out of credit-card, jeonse-related, or personal-loan debt.
It is not a fit where income is irregular to the point that a monthly repayment figure cannot be set, where debts are already in legal collection, or where bankruptcy or individual debt rehabilitation (개인회생) is the more appropriate route. In those cases we say so in the first session and point you to the right channel instead of selling a plan that will not hold.
What a session covers
A standard session runs about 75 minutes. We use every minute — there is no upsell segment and no pre-recorded portion.
We sort your last 90 days of transactions into fixed, variable, discretionary and debt service. You leave with a one-page cash-flow statement that you can re-read without help.
We model snowball and avalanche orders against your real balances and rates, then agree one schedule with a clear finish month. The schedule is yours to keep as a PDF.
A short follow-up session three months later checks the plan against what actually happened. If the cash-flow target broke, we adjust the schedule — not the other way around.
Start with one session
There is no package to buy upfront. Come to one session with your statements; if the plan is useful, we discuss further sessions. If it is not, you leave with the cash-flow diagnosis and owe nothing further.