around October 2002, the Defendant operated the “D Private Teaching Institutes” and “EAB” in Seoul Special Metropolitan City, Nowon-gu. However, while continuously expanding the amount of the previous capital due to the lack of the initial capital, the obligation to repay such borrowed money from the parents of private teaching institutes, etc. was accumulated and caused to a considerable amount of KRW 500 million, but he did not have the ability to repay the above obligation. On or around 2005, the Defendant did not repay the above obligation. On or around October 2005, the Defendant borrowed money from the parents, etc. of the students and the students of the students of the Busan Maritime Transportation-F or received long-term tuition fees from the creditors of the city facilities and the private teaching institute, and opened the “G private teaching institute,” but the revenues accrued from the operation of the private teaching institute was insufficient to repay the existing debt from the students of the private teaching institute, etc., and thus, he did not request the existing police station to repay the debts from the existing creditors of G, etc. to the new police station upon the request to repay’s.

Therefore, even if the Defendant operates a private teaching institute more, he/she does not have the ability to repay the above debt, and even if he/she wishes to resume a private teaching institute, it is difficult to expect the progress of normal classes against the private teaching institute students in the situation where he/she is urged to repay the debt from the existing creditors even if he/she wishes to resume a private teaching institute, but without notifying such circumstance, he/she opens the private teaching institute and transfers it to the same way as the transfer.