법률상담 | 채권 추심 제 3편

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작성자 이계원 작성일2011-12-28 20:01 조회1,232회 댓글4건

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안녕 하세요? 변호사 이계원입니다.

지난주에는 채권추심을 위한 증빙과 구체적인 채권추심에 대한 요소에대해서 설명을 드린바 있습니다. 이번주에는Letter of Demand 와 Statement of Claim 에 대한 설명을 드리고자 합니다.

1. Letter of Demand

Letter of Demand 는 채권 회수의 첫걸음입니다. Letter of Demand 를 적절히 이용을 하게 된다면 채무자에 압박을 가하여 대금회수를 하는데에 도움이 되지만 적절하지 못한 Letter of Demand 는 역효과가 날수 있습니다.즉 Letter of Demand 는 주요 내용이 모두 들어가되 가급적 간결해야만 됩니다. 간결하지못하고 장황한Letter of Demand는오히려 상대방에게 항변의 빌미를 제공하게 됩니다.

Letter of Demand는 특별히 정해진 양식이나 내용을 명기하라는 규정은 없으나 다음과 같은 내용을 반드시 있어야 합니다.

1. 채권자의 성명 및 주소;
2. 채무의 금액 ( 원금과 이자);
3. 채무변제의 방법;
4. 채무불이행시의 결과 와 경고문구

적절히 작성된Letter of Demand는 본안소송즉 Statement of Claim시 편리하게 사용될 수 있습니다. Letter of Demand의 채무가 불이행시 본안소송에 들어간다는 경고문구는 “ 채무자가 불이행시 채권자의 지시에 따라 본안소송에 들어간다”라는 표현이 적절합니다.

Letter of Demand를 채권자에게 송부할 경우 비용을 함께 청구하는 것은 어디까지나 채권자의 선택사항입니다. 채권자는 소환을 받기전까지는 비용을 부담할 의무는 없습니다. 따라서 경우에 따라서는 채권자가 채무금액 즉 원금과 이자이외에 비용을 추가로 청구할수 있습니다.

2. Statement of Claim

Statement of Claim은 본안소송에 해당하는 채궈추심행위 입니다. Letter of Demand가 효력을 발휘하지 않을 경우 법원신청을 통하여 채권을 회수하기 위한 목적입니다.

법원신청을 할 경우 어디에Statement of Claim을 접수할 것인자를 결정하여야 하는데 채권금액에 따라서 Magistrate Court, District Court 그리고 Supreme Court로 나눠지게 됩니다. 지역에 대해서는 채권의 발생된 장소에서 가장 근접한 거리에 있는 법원, 채무자의 주거지에서 가장 근접한 거리에 있는 법원 그리고 채권자와 채무자가 합의한 법원에 일반적으로 접수하게 됩니다.

그러나 실행적으로는 채권자의 변호사의 사무실에서 가장 근접한 거리에 있는 법원에 접수를 하게되는데 이는 채무자가 이에 응하지 못할 수도있고 사건파일을 이전해야 하는 불편함을 주기위한 전략에서 기인하기도 합니다. Statement of Claim를 작성하는 것은 매우 신중해야 하며 만일 이것이 법원양식에 맞지 않거나 내용이 정확하게 명기되지 않는다면 기각이 될 수 있기 때문입니다.

Statement of Claim의 내용에 있어서는 왜 청구를 하게 되었고, 법적인 청구원인 과 손해배상에 대한 설명이 들어가야 합니다. 그러나Statement of Claim은 소송의 진행되는 과정의 하나인 Pleading이기 때문에 채권자는채권을 증명할증빙서류를 채무자나 법원에게 제출할 의무는 없습니다.

Statement of Claim는 경우에 따라 간단하기도 하지만 매우 복잡할 수 가 있습니다. 예를 들면 차용증서에 의한 청구행위는 명백하기에 간단하겠습니다. 손해배상의 증명을 통한 산술적인 청구행위는 배경설명이나 복잡성을 내포하기 때문입니다.

다음주에는 내용의 통지와 Defences에 대한 설명을 드리고자 합니다.

Disclaimer: 상기내용은 어디까지나 현재의 관련법률규정를 근거로 하였고 판례의 경우는 해당되는 개별적인 상황에 의한 것이므로 독자의 상황을 적용하여 자체적으로 해석하는 것은 잘못된 판단을 할 수 있으므로 중요한 결정에 있어서는 반드시 변호사의 상담을 필요로 합니다. 그러므로 상기내용에 대하여 어떠한 법률적인 책임이나 보증을 하지 않습니다.

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