1. The defendant shall pay to the plaintiff KRW 31,183,296 and KRW 20,850,520 among them, from April 26, 2016 to the day of full payment.

1. Determination as to the cause of the claim (Provided, That the creditor is the plaintiff, the debtor is the defendant) is liable to pay to the plaintiff damages for delay calculated by the agreed interest rate of 25.4% per annum from April 26, 2016 to the date of full payment of the final interest rate of 31,183,296 won in total, and the principal amount of 20,850,520 won in total, and the purport of the whole pleadings, since there is no dispute between the parties to the claim, or in full view of the purport of Gap evidence No. 1 to No. 3,183,296, and the whole arguments.

2. As to the defendant's defense, the defendant asserted to the effect that the defendant cannot respond to the plaintiff's claim by filing an individual rehabilitation application with the Incheon District Court 2016da1003741, including the plaintiff's above claim. However, the application for individual rehabilitation cannot affect the plaintiff's claim of this case by itself, and the defendant's argument above is

3. The plaintiff's claim of this case is justified and it is so decided as per Disposition.