The article discusses the challenges many face when they receive notifications of loan delinquency, often leading to anxiety and shame, causing individuals to avoid seeking help. A finance official emphasizes the principle of self-responsibility in borrowing, but also highlights the obligation of financial institutions to lend responsibly within the borrower's means. Therefore, a debt adjustment system has been developed to alleviate the burden on both borrowers and lenders when defaults occur. Borrowers are encouraged to act quickly to avoid the negative consequences of delinquency, such as credit record maintenance and difficulties in obtaining further loans.

Specifically, the article notes that after five business days of delinquency, reports of this situation will be communicated to other financial institutions, complicating any new loans or extensions. It suggests three main methods for borrowers struggling to repay their debts to seek adjustments: directly contacting the delinquent financial institution for negotiation, seeking assistance from the Korea Credit Recovery Committee which can consolidate multiple debts, or pursuing legal options such as personal rehabilitation and bankruptcy through the courts. Each path offers different aspects of relief based on individual circumstances.

Additionally, the prevalence of advertisements from lawyers and legal professionals when searching online for debt-related advice can lead individuals to pay high fees for immediate court actions. The article advises caution and encourages individuals to explore manageable adjustment options before resorting to costly legal procedures, stressing that debt adjustments can significantly ease the financial burden and facilitate recovery for those in need.