Self-employed individuals in their 50s who have closed their business must simultaneously settle multiple debts — business loans, card merchant receivables, lease security deposit returns, and employee severance pay — but don't understand debt priority rules (wage claims > taxes > general claims) or the differences between resolution paths like personal rehabilitation, workout programs, or Credit Recovery Committee. This leads to worst-case choices. Legal consultant fees run $225-375 (~300,000-500,000 KRW) per session.
Users enter debt items with amounts, creditors, and delinquency periods. The system auto-sorts debts by legal repayment priority and recommends the best debt resolution path (voluntary agreement / workout / personal rehabilitation / bankruptcy) based on the user's situation. Each path's estimated timeline, credit score impact, and required documents are summarized on a single page.
| N Novelty | 1-5 | How uncommon the service is in market context. |
| U Urgency | 1-5 | How urgently users need this problem solved now. |
| M Market | 1-5 | Market size and growth potential from proxy indicators. |
| R Realizability | 1-5 | Buildability for a small team with realistic constraints. |
| V Validation | 1-5 | Validation signal quality from competition and demand data. |
| Tech Complexity | / 40 | Difficulty of core implementation stack. |
| Data Availability | / 25 | Practical availability and cost of required data. |
| MVP Timeline | / 20 | Expected time to ship a usable MVP. |
| API Bonus | / 15 | Bonus for viable public API leverage. |
| Competition | / 20 | Signal quality from competitor landscape. |
| Market Demand | / 20 | Demand proxies from search and mention patterns. |
| Timing | / 20 | Fit with current shifts in tech, behavior, and regulation. |
| Revenue Signals | / 15 | Reference evidence for monetization viability. |
| Pick-Axe Fit | / 15 | How well the concept serves participants in a trend. |
| Solo Buildability | / 10 | Practicality for lean-team implementation. |