{"id":26004,"date":"2026-06-08T20:14:00","date_gmt":"2026-06-09T00:14:00","guid":{"rendered":"https:\/\/songlawfirm.com\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/bankruptcy-law-ko\/"},"modified":"2026-06-08T22:04:34","modified_gmt":"2026-06-09T02:04:34","slug":"bankruptcy-law-ko","status":"publish","type":"page","link":"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/bankruptcy-law-ko\/","title":{"rendered":"\ud30c\uc0b0\ubc95"},"content":{"rendered":"\n\n<style>\n.slf-bk{font-family:\"Helvetica Neue\",Helvetica,Arial,\"Apple SD Gothic Neo\",\"Noto Sans KR\",sans-serif;color:#404040;line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased;}\n.slf-bk *{box-sizing:border-box;}\n.slf-bk .slf-wrap{max-width:1200px;margin:0 auto;padding:0 20px;}\n.slf-bk h2.slf-h2{font-size:32px;font-weight:700;text-align:center;color:#404040;margin:0 0 12px;line-height:1.3;word-break:keep-all;}\n.slf-bk h3.slf-h3{font-size:22px;font-weight:700;color:#404040;margin:0 0 12px;word-break:keep-all;}\n.slf-bk .slf-lead{font-size:17px;color:#595959;text-align:center;max-width:820px;margin:0 auto 48px;line-height:1.8;word-break:keep-all;}\n.slf-bk .slf-section{padding:80px 0;position:relative;}\n.slf-bk .slf-section--alt{background-image:linear-gradient(rgba(255,255,255,.93),rgba(255,255,255,.93)),url('https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/08\/13816198_MotionElements_lower-manhattan-skyline-at-1-scaled.jpg');background-size:cover;background-position:center;background-repeat:no-repeat;background-attachment:fixed;}\n.slf-bk .slf-section--dark{color:#fff;background-image:linear-gradient(rgba(45,45,45,.88),rgba(45,45,45,.88)),url('https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/08\/13816198_MotionElements_lower-manhattan-skyline-at-1-scaled.jpg');background-size:cover;background-position:center;background-repeat:no-repeat;background-attachment:fixed;}\n.slf-bk .slf-section--dark h2.slf-h2{color:#fff;}\n.slf-bk .slf-section--dark 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36px;line-height:1.8;font-style:italic;word-break:keep-all;}\n.slf-bk .slf-hero-stats{display:flex;gap:44px;justify-content:center;flex-wrap:wrap;margin-top:36px;}\n.slf-bk .slf-hero-stat strong{display:block;font-size:24px;font-weight:800;color:#E5D398;margin-bottom:4px;}\n.slf-bk .slf-hero-stat span{font-size:13px;color:#d8d4c8;}\n.slf-bk .slf-team{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:1080px;margin:0 auto;}\n.slf-bk .slf-att-card{background:#fff;border:1px solid #ede9dd;border-radius:6px;padding:32px 26px;text-align:center;text-decoration:none;color:inherit;display:block;transition:.25s;}\n.slf-bk .slf-att-card:hover{transform:translateY(-4px);box-shadow:0 10px 28px rgba(0,0,0,.12);border-color:#98344A;}\n.slf-bk .slf-att-card img{width:110px;height:110px;border-radius:50%;object-fit:cover;border:3px solid #E5D398;margin:0 auto 16px;display:block;}\n.slf-bk .slf-att-card h3{font-size:18px;font-weight:700;margin:0 0 4px;color:#404040;}\n.slf-bk 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auto;}\n.slf-bk .slf-window-item{display:grid;grid-template-columns:90px 1fr;gap:24px;align-items:start;padding:24px 0;border-bottom:1px solid #ede9dd;}\n.slf-bk .slf-window-item:last-child{border-bottom:none;}\n.slf-bk .slf-window-time{background:#98344A;color:#fff;width:90px;padding:8px 0;text-align:center;border-radius:4px;font-weight:700;font-size:13px;letter-spacing:1px;}\n.slf-bk .slf-window-body h3{font-size:18px;font-weight:700;color:#404040;margin:0 0 6px;}\n.slf-bk .slf-window-body p{font-size:14px;color:#595959;margin:0;line-height:1.7;}\n.slf-bk .slf-results{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:1080px;margin:0 auto;}\n.slf-bk .slf-result-card{background:#fff;border:1px solid #ede9dd;border-radius:6px;padding:30px 24px;text-align:center;}\n.slf-bk .slf-result-amount{font-size:36px;font-weight:800;color:#98344A;letter-spacing:-1px;margin:0 0 8px;}\n.slf-bk .slf-result-tag{display:inline-block;font-size:11px;background:#98344A;color:#fff;padding:3px 12px;border-radius:12px;letter-spacing:1px;margin-bottom:12px;font-weight:700;}\n.slf-bk .slf-result-card p{font-size:14px;color:#595959;margin:0;line-height:1.6;}\n.slf-bk .slf-faq{max-width:880px;margin:0 auto;}\n.slf-bk .slf-faq details{background:#fff;border:1px solid #ede9dd;border-radius:6px;padding:0;margin:0 0 14px;}\n.slf-bk .slf-faq summary{padding:20px 24px;font-weight:700;cursor:pointer;font-size:16px;color:#404040;list-style:none;position:relative;padding-right:54px;}\n.slf-bk .slf-faq summary::-webkit-details-marker{display:none;}\n.slf-bk .slf-faq summary::after{content:\"+\";position:absolute;right:24px;top:50%;transform:translateY(-50%);font-size:24px;color:#98344A;font-weight:300;}\n.slf-bk .slf-faq details[open] summary::after{content:\"\u2212\";}\n.slf-bk .slf-faq details > div{padding:0 24px 22px;font-size:15px;color:#595959;line-height:1.75;word-break:keep-all;}\n.slf-bk .slf-areas{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;max-width:1080px;margin:0 auto;}\n.slf-bk .slf-area-card{background:#fff;border:1px solid #ede9dd;border-radius:6px;padding:22px 24px;}\n.slf-bk .slf-area-card h3{font-size:16px;font-weight:700;color:#98344A;margin:0 0 8px;}\n.slf-bk .slf-area-card p{font-size:13px;color:#595959;margin:0;line-height:1.6;}\n.slf-bk .slf-cta-row{display:flex;gap:18px;justify-content:center;flex-wrap:wrap;margin-top:32px;}\n.slf-bk .slf-btn{display:inline-block;padding:16px 34px;border-radius:4px;font-weight:700;font-size:14px;letter-spacing:1.5px;text-transform:uppercase;text-decoration:none;transition:.2s;}\n.slf-bk .slf-btn--primary{background:#98344A;color:#fff;border:2px solid #98344A;}\n.slf-bk .slf-btn--primary:hover{background:#7a293b;border-color:#7a293b;}\n.slf-bk .slf-btn--outline{background:transparent;color:#E5D398;border:2px solid #E5D398;}\n.slf-bk .slf-btn--outline:hover{background:#E5D398;color:#404040;}\n.slf-hero-langs{display:inline-block;padding:10px 26px;margin:0 auto 26px;border:1px solid rgba(229,211,152,.45);border-radius:40px;background:rgba(229,211,152,.06);font-size:15px;color:#E5D398;letter-spacing:.5px;font-weight:500;word-break:keep-all;}\n.slf-hero-langs strong{font-weight:700;color:#fff;}\n@media (max-width:780px){\n.slf-bk .slf-hero h1{font-size:28px;}\n.slf-bk .slf-hero{padding:80px 0 60px;}\n.slf-bk .slf-section{padding:60px 0;}\n.slf-bk h2.slf-h2{font-size:22px;}\n.slf-bk .slf-team{grid-template-columns:1fr;}\n.slf-bk .slf-scope{grid-template-columns:1fr;}\n.slf-bk .slf-results{grid-template-columns:1fr;}\n.slf-bk .slf-areas{grid-template-columns:1fr;}\n.slf-bk .slf-hero-stats{gap:24px;}\n}\n<\/style>\n\n<div class=\"slf-bk\">\n\n<section class=\"slf-hero\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">\uc1a1\ub85c\ud38c \u00b7 \uc5c5\ubb34\ubd84\uc57c<\/p>\n<h1>\ub274\uc800\uc9c0\u00b7\ub274\uc695 \ud30c\uc0b0\ubc95 \uc804\ubb38 \ubcc0\ud638\uc0ac<\/h1>\n<p class=\"slf-hero-langs\"><strong>\ud55c\uad6d\uc5b4<\/strong> \u00b7 <strong>\u4e2d\u6587<\/strong> \u00b7 English \ubaa8\ub450 \uc9c1\uc811 \uc0c1\ub2f4 \uac00\ub2a5<\/p>\n<p class=\"slf-hero-tag\">\ud55c\uc778\u00b7\uc911\uad6d\uacc4 \uac00\uc815\uacfc \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4\uc758 \ucc44\ubb34 \uc704\uae30 \u2014 Chapter 7\u00b713\u00b711\/Subchapter V\ub97c \ud1b5\ud55c \ud569\ubc95\uc801 \ucc44\ubb34 \uba74\uc81c\uc640 \uc0ac\uc5c5 \uc7ac\uc870\uc9c1. \ud55c\uad6d\u00b7\uc911\uad6d \uc790\uc0b0 \ubcf4\uc720\uc790\uc758 \uad6d\uc81c \uc2e0\uace0 \uc694\uac74\uae4c\uc9c0 \ud1b5\ud569 \ucc98\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<div class=\"slf-hero-stats\">\n<div class=\"slf-hero-stat\"><strong>3\uba85<\/strong><span>\uc804\ub2f4 \ud30c\uc0b0 \ubcc0\ud638\uc0ac<\/span><\/div>\n<div class=\"slf-hero-stat\"><strong>NJ\u00b7NY<\/strong><span>\uc5f0\ubc29 \ud30c\uc0b0\ubc95\uc6d0 \uc790\uaca9<\/span><\/div>\n<div class=\"slf-hero-stat\"><strong>\ud55c\u00b7\uc601\u00b7\uc911<\/strong><span>\ubcc0\ud638\uc0ac \uc9c1\uc811 \uc0c1\ub2f4<\/span><\/div>\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--alt\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">01 \u00b7 \uc804\ub2f4 \ubcc0\ud638\uc0ac<\/p>\n<h2 class=\"slf-h2\">\uc0c8 \ucd9c\ubc1c\uc744 \uc704\ud55c 3\uc778 \uc804\ub2f4\ud300.<\/h2>\n<p class=\"slf-lead\">\ud30c\uc0b0\uc740 \uc2e4\ud328\uac00 \uc544\ub2cc \uc7ac\uc815\uc801 \uc7ac\ucd9c\ubc1c\uc785\ub2c8\ub2e4. Means Test\ubd80\ud130 341 \ucc44\uad8c\uc790 \ubbf8\ud305\uacfc \uba74\ucc45 \uacb0\uc815\uae4c\uc9c0 \u2014 \uccab\ub0a0\ubd80\ud130 \uc2dc\ub2c8\uc5b4 \ubcc0\ud638\uc0ac\uc758 \uc9c1\uc811 \uc9c0\ud718\ub85c \uc9c4\ud589\ud569\ub2c8\ub2e4.<\/p>\n<div class=\"slf-team\">\n<a class=\"slf-att-card\" href=\"https:\/\/songlawfirm.com\/ko\/%eb%b3%80%ed%98%b8%ec%82%ac\/joseph-song\/\">\n<img decoding=\"async\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/JosephSong2022-2.webp\" alt=\"\uc1a1\ub3d9\ud638 \ubcc0\ud638\uc0ac\">\n<h3>\uc1a1\ub3d9\ud638 \ubcc0\ud638\uc0ac<\/h3>\n<p class=\"slf-att-role\">\ub300\ud45c \ubcc0\ud638\uc0ac \u00b7 \ucc3d\ub9bd\uc790<\/p>\n<p>\uc804 Fortune 500 CEO \ucd9c\uc2e0. NJ\u00b7NY\u00b7TX\u00b7GA 4\uac1c\uc8fc \ubcc0\ud638\uc0ac \uc790\uaca9. 20\ub144\uac04 \ube44\uc988\ub2c8\uc2a4\u00b7\uac1c\uc778 \ud30c\uc0b0 \uc804\ub7b5\uc744 \ube44\uc988\ub2c8\uc2a4 \ud1b5\ucc30\uacfc \ubc95\ub960 \uad8c\uc704\ub85c \uacb0\ud569.<\/p>\n<\/a>\n<a class=\"slf-att-card\" href=\"https:\/\/songlawfirm.com\/ko\/%eb%b3%80%ed%98%b8%ec%82%ac\/howard-z-myerowitz-esq\/\">\n<img decoding=\"async\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard.webp\" alt=\"\ud558\uc6cc\ub4dc \uba54\uc774\uc5b4\ub85c\uc704\uce20 \ubcc0\ud638\uc0ac\" onerror=\"this.onerror=null;this.src='https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard.jpg'\">\n<h3>\ud558\uc6cc\ub4dc \uba54\uc774\uc5b4\ub85c\uc704\uce20 \ubcc0\ud638\uc0ac<\/h3>\n<p class=\"slf-att-role\">\uc2dc\ub2c8\uc5b4 \ud30c\uc0b0 \uc804\ub2f4 \ubcc0\ud638\uc0ac<\/p>\n<p>\uc218\uc2ed \ub144\uac04 NJ \uc5f0\ubc29 \ud30c\uc0b0\ubc95\uc6d0 \uc2e4\ubb34. Chapter 7\u00b713\u00b711 \ubcf5\uc7a1 \uc0ac\uac74 \uc218\uc11d \ubcc0\ud638\uc0ac. Trustee \ud611\uc0c1 \uc804\ubb38\uac00.<\/p>\n<\/a>\n<a class=\"slf-att-card\" href=\"https:\/\/songlawfirm.com\/ko\/%eb%b3%80%ed%98%b8%ec%82%ac\/joshua-s-lee-esq\/\">\n<img decoding=\"async\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/01\/attorneys_JoshuaLee.webp\" alt=\"\uc870\uc288\uc544 \ub9ac \ubcc0\ud638\uc0ac\" onerror=\"this.onerror=null;this.src='https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/01\/attorneys_JoshuaLee.jpeg'\" loading=\"lazy\" decoding=\"async\">\n<h3>\uc870\uc288\uc544 \ub9ac \ubcc0\ud638\uc0ac<\/h3>\n<p class=\"slf-att-role\">\uc5b4\uc18c\uc2dc\uc5d0\uc774\ud2b8 \u00b7 \uc18c\ube44\uc790 \ud30c\uc0b0<\/p>\n<p>Chapter 7\u00b713 \uc9c1\uc811 \ucf00\uc774\uc2a4 \uad00\ub9ac. \uc758\ub8b0\uc778\uacfc \uc9c1\uc811 \uc18c\ud1b5 \u2014 \uc811\uc218\ubd80\ud130 341 \ubbf8\ud305, \uba74\ucc45 \uacb0\uc815\uae4c\uc9c0 \uc804 \uacfc\uc815 \ub3d9\ud589.<\/p>\n<\/a>\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">02 \u00b7 \uc5c5\ubb34 \ubc94\uc704<\/p>\n<h2 class=\"slf-h2\">\uac1c\uc778\u00b7\uc0ac\uc5c5\uccb4 \uc885\ud569 \ud30c\uc0b0\u00b7\ucc44\ubb34 \ud574\uacb0.<\/h2>\n<p class=\"slf-lead\">\uac1c\uc778 \ucc44\ubb34 \uacfc\uc911\ubd80\ud130 \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4 \uc7ac\uc870\uc9c1\uae4c\uc9c0 \u2014 \uac00\uc815 \uc0c1\ud669\u00b7\uc7a5\uae30 \ubaa9\ud45c\uc5d0 \ub9de\ucd98 \ub9de\ucda4\ud615 \uc804\ub7b5.<\/p>\n<div class=\"slf-scope\">\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">CHAPTER 7<\/span>\n<h3>\uac1c\uc778 \uccad\uc0b0 \ud30c\uc0b0<\/h3>\n<p>4-6\uac1c\uc6d4 \ub0b4 \ubb34\ub2f4\ubcf4 \ucc44\ubb34(\uc2e0\uc6a9\uce74\ub4dc\u00b7\uc758\ub8cc\ube44\u00b7\uac1c\uc778\ub300\ucd9c) \uc804\uba74 \uba74\uc81c. \ub300\ubd80\ubd84\uc758 \uc758\ub8b0\uc778\uc740 NJ \uba74\uc81c \uc790\uc0b0\uc744 \ud1b5\ud574 \uc8fc\ud0dd\u00b7\ucc28\ub7c9\u00b7\uc740\ud1f4\uacc4\uc88c\u00b7\ud544\uc218 \uac1c\uc778 \uc790\uc0b0\uc744 \ubcf4\ud638\ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li>Means Test \uc790\uaca9 \uac80\ud1a0(NJ \uc911\uc704 \uc18c\ub4dd \ube44\uad50)<\/li>\n<li>NJ Homestead Exemption \uc804\ub7b5($25,150 \uc5f0\ubc29 \ub610\ub294 NJ \uc8fc)<\/li>\n<li>\uc740\ud1f4\uacc4\uc88c(401(k)\u00b7IRA) \ubcf4\ud638<\/li>\n<li>\uc784\uae08 \uc555\ub958\u00b7\uc740\ud589 \ucc28\uc555 \uc989\uc2dc \uc911\uc9c0<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">CHAPTER 13<\/span>\n<h3>\uc7ac\uc870\uc815 \u00b7 \ubaa8\uae30\uc9c0 \ud68c\ubcf5<\/h3>\n<p>3-5\ub144 \ubc95\uc6d0 \uac10\ub3c5 \uc0c1\ud658 \uacc4\ud68d. \ubaa8\uae30\uc9c0 \uc5f0\uccb4 \uc8fc\ud0dd \ubcf4\uc720\uc790, Means Test \ucd08\uacfc\uc790, \ube44\uba74\ucc45 \uc138\uae08\u00b7\ud559\uc790\uae08 \uad6c\uc870\uc870\uc815 \ud544\uc694\uc790\uc5d0\uac8c \uc801\ud569.<\/p>\n<ul>\n<li>\ubaa8\uae30\uc9c0 \uc5f0\uccb4\ubd84 60\uac1c\uc6d4 \ubd84\ub0a9 \ud68c\ubcf5<\/li>\n<li>\ucc28\ub7c9 \ub300\ucd9c cram-down(\ub178\ud6c4 \ucc28\ub7c9)<\/li>\n<li>\uc138\uae08 \ucc44\ubb34 \uc7ac\uad6c\uc870\ud654(\uc6b0\uc120\u00b7\ube44\uc6b0\uc120)<\/li>\n<li>\uacf5\ub3d9 \uc11c\uba85\uc790 \ubcf4\ud638(Chapter 7 \ub300\ube44 \uac15\uc810)<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">CHAPTER 11 \/ SUB V<\/span>\n<h3>\uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4 \uc7ac\uc870\uc9c1<\/h3>\n<p>\uc2dd\ub2f9\u00b7\ubdf0\ud2f0\uc0b4\ub871\u00b7\uc18c\ub9e4\u00b7\uc804\ubb38 \uc11c\ube44\uc2a4\uc758 \uc784\ub300\uc8fc\u00b7\uacf5\uae09\uc0ac\u00b7SBA \ub300\ucd9c \uc704\uae30. Subchapter V(2020)\ub294 \ucc44\ubb34 $7.5M \ubbf8\ub9cc \uc18c\uae30\uc5c5\uc744 \uc704\ud55c \uac04\uc18c \uc808\ucc28.<\/p>\n<ul>\n<li>\uc0c1\uc5c5\uc6a9 \uc784\ub300\ucc28 \uac70\ubd80 \ub610\ub294 \uc7ac\uad6c\uc870\ud654<\/li>\n<li>SBA EIDL\u00b7PPP \ub300\ucd9c \uc6cc\ud06c\uc544\uc6c3<\/li>\n<li>\uacf5\uae09\uc0ac\u00b7\ubca4\ub354 \ucc44\ubb34 \ud611\uc0c1<\/li>\n<li>\uc7ac\uc870\uc9c1 \uc911 \uc6b4\uc601 \uc5f0\uc18d\uc131 \uc720\uc9c0<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">\uad6d\uc81c \uc790\uc0b0<\/span>\n<h3>\ud55c\uad6d\u00b7\uc911\uad6d \uc790\uc0b0 \uc2e0\uace0<\/h3>\n<p>\ud55c\uc778\u00b7\uc911\uad6d\uacc4 \ucc44\ubb34\uc790\ub294 \uace0\uc720 \uc2e0\uace0 \uc758\ubb34 \u2014 \ud55c\uad6d \ubd80\ub3d9\uc0b0, \ud64d\ucf69\u00b7\uc0c1\ud574 \uacc4\uc88c, \uac00\uc871 \uc0ac\uc5c5 \uc9c0\ubd84. \ubbf8\uc2e0\uace0 \uc2dc \uba74\ucc45 \uac70\ubd80 + \ud615\uc0ac \uc704\ud5d8.<\/p>\n<ul>\n<li>FBAR\u00b7Form 8938\uacfc \ud30c\uc0b0 \uc2a4\ucf00\uc904 \ud1b5\ud569<\/li>\n<li>\ud55c\uad6d\u00b7\uc911\uad6d \uc0c1\uc18d\u00b7\uac00\uc871\uc0ac\uc5c5 \uc9c0\ubd84 \ubd84\uc11d<\/li>\n<li>\ud574\uc678 \uacc4\uc88c \uba74\uc81c \uc790\uc0b0 \uc801\uaca9\uc131 \uac80\ud1a0<\/li>\n<li>\ud55c\uad6d\uc5b4\u00b7\uc911\uad6d\uc5b4 Trustee \uc778\ud130\ubdf0 \uc900\ube44<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">\uc555\ub958 \ubc29\uc5b4<\/span>\n<h3>\uc8fc\ud0dd \uc555\ub958 \ubc29\uc5b4<\/h3>\n<p>NJ \uc555\ub958 \uc808\ucc28\ub294 \ubbf8\uad6d \ub0b4 \uac00\uc7a5 \uae34 \ud3b8(\ud3c9\uade0 3\ub144+) \uc774\ub098 \uacb0\uad6d \ubcf4\uc548\uad00 \ub9e4\uac01\uc73c\ub85c \uc885\uacb0. Chapter 13 Automatic Stay\ub294 \ub9e4\uac01\uc744 \uc989\uc2dc \uc911\uc9c0\ud558\uace0 \ub300\ucd9c \uc870\uc815\u00b7\ud56d\ubcf5\uc744 \ud611\uc0c1\ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc608\uc815\ub41c \ubcf4\uc548\uad00 \ub9e4\uac01 \uc989\uc2dc \uc911\uc9c0<\/li>\n<li>NJ \uc555\ub958 \uc911\uc7ac \ud504\ub85c\uadf8\ub7a8 \ud611\uc870<\/li>\n<li>\ub300\ucd9c \uc870\uc815(Loan Modification) \ud611\uc0c1<\/li>\n<li>HOA\u00b7\uc138\uae08 \uc720\uce58\uad8c \ud574\uacb0<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">\ucc44\uad8c\uc790 \ub300\uc751<\/span>\n<h3>\ud30c\uc0b0 \uc804 \ucc44\uad8c\uc790 \uad34\ub86d\ud798 \ubc29\uc5b4<\/h3>\n<p>NJ \uc18c\ube44\uc790\uc0ac\uae30\ubc29\uc9c0\ubc95\u00b7\uc5f0\ubc29 FDCPA\ub97c \ud1b5\ud574 \ud30c\uc0b0 \uc804\ubd80\ud130 \ucc44\uad8c\uc790 \uad34\ub86d\ud798 \uc989\uc2dc \uc911\uc9c0. \ucc44\ubb34 \ud611\uc0c1\uc73c\ub85c \ud30c\uc0b0 \uc5c6\uc774 \ud574\uacb0\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>FDCPA \uae30\ubc18 Cease &amp; Desist \ud1b5\uc9c0<\/li>\n<li>\uc784\uae08 \uc555\ub958\u00b7\uc740\ud589 \ucc28\uc555 \uc774\uc758<\/li>\n<li>\ucc44\ubb34 \ud611\uc0c1(\ud1b5\uc0c1 40-60%) \ud611\uc0c1<\/li>\n<li>FDCPA \u00a7809 \ucc44\ubb34 \uac80\uc99d \uc694\uad6c<\/li>\n<\/ul>\n<\/div>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--alt\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">03 \u00b7 \uacb0\uc815\uc801 \uc2dc\uc810<\/p>\n<h2 class=\"slf-h2\">\ud0c0\uc774\ubc0d\uc774 \ubaa8\ub4e0 \uac83\uc744 \ubc14\uafb8\ub294 \uc21c\uac04.<\/h2>\n<p class=\"slf-lead\">\ud30c\uc0b0\ubc95\uc740 \uae30\ud55c\uc774 \uc5c4\uaca9\ud569\ub2c8\ub2e4. \uc801\uc2dc \ud589\ub3d9\uc774 \uae30\ub2e4\ub9ac\uba74 \uc0ac\ub77c\uc9c0\ub294 \uc120\ud0dd\uc9c0\ub97c \uc9c0\ud0b5\ub2c8\ub2e4.<\/p>\n<div class=\"slf-window\">\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">90\uc77c<\/div>\n<div class=\"slf-window-body\">\n<h3>\ud30c\uc0b0 \uc804 \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c<\/h3>\n<p>\ud30c\uc0b0 \uc2e0\uccad 90\uc77c \uc774\ub0b4 \ucc44\uad8c\uc790\ub2f9 $725 \uc774\uc0c1 \uacb0\uc81c\ub294 &#8220;\uc0ac\uce58\uc7ac&#8221; \ucd94\uc815 \u2014 \uba74\ucc45 \uac70\ubd80 \uac00\ub2a5. 70\uc77c \uc774\ub0b4 \ud604\uae08\uc11c\ube44\uc2a4\ub3c4 \ub3d9\uc77c. \uc2e0\uccad \uc2dc\uae30 \uc804\ub7b5\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<\/div>\n<\/div>\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">1\ub144<\/div>\n<div class=\"slf-window-body\">\n<h3>\uac00\uc871 \uba85\uc758 \uc7ac\uc0b0 \uc774\uc804<\/h3>\n<p>1\ub144 \ub0b4 \uac00\uc871 \uc790\uc0b0 \uc774\uc804(\uce5c\uc871\uc740 2\ub144)\uc740 Trustee\uac00 \uc0ac\uae30\uc801 \uc591\ub3c4\ub85c \ud68c\uc218 \uac00\ub2a5. \ud55c\uc778\u00b7\uc911\uad6d\uacc4 \uac00\uc871 \uc790\uc0b0 \uc774\uc804\uc740 \ud2b9\ud788 \uba74\ubc00 \uc870\uc0ac \ub300\uc0c1.<\/p>\n<\/div>\n<\/div>\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">2\ub144<\/div>\n<div class=\"slf-window-body\">\n<h3>Means Test \uc18c\ub4dd \ud68c\uace0<\/h3>\n<p>Chapter 7 \uc790\uaca9\uc740 \uc2e0\uccad \uc804 6\uac1c\uc6d4 \ud3c9\uade0 \uc18c\ub4dd \uc0ac\uc6a9. \ubcf4\ub108\uc2a4 \ub610\ub294 \uc774\uc9c1 \ud6c4 \uba87 \ub2ec \uae30\ub2e4\ub9ac\ub294 \uc804\ub7b5\uc774 Means Test \uacb0\uacfc\ub97c \uc218\ub9cc \ub2ec\ub7ec \ub2e8\uc704\ub85c \ubcc0\uacbd.<\/p>\n<\/div>\n<\/div>\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">8\ub144<\/div>\n<div class=\"slf-window-body\">\n<h3>Chapter 7 \uc7ac\uc2e0\uccad \uac04\uaca9<\/h3>\n<p>\uc774\uc804 Chapter 7 \uba74\ucc45 \ud6c4 8\ub144 \ub0b4 \uc7ac\uc2e0\uccad \ubd88\uac00. Chapter 13 \u2192 Chapter 7\uc740 4\ub144 \uaddc\uce59. \uc774\uc804 \uc2e0\uccad\uc774 \uc788\ub2e4\uba74 \ud0c0\uc774\ubc0d\uc774 \uacb0\uc815\uc801.<\/p>\n<\/div>\n<\/div>\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">\uc624\ub298<\/div>\n<div class=\"slf-window-body\">\n<h3>\uc784\uae08 \uc555\ub958\u00b7\uc740\ud589 \ucc28\uc555\u00b7\ubcf4\uc548\uad00 \ub9e4\uac01<\/h3>\n<p>Automatic Stay\ub294 \ud30c\uc0b0 \uc2e0\uccad \uc989\uc2dc \ubc1c\ud6a8. \uc784\uae08 \uc555\ub958\u00b7\uacc4\uc88c \ucc28\uc555\u00b7\uc608\uc815\ub41c \ubcf4\uc548\uad00 \ub9e4\uac01\uc774 \uc788\ub2e4\uba74 \u2014 \uc624\ub298 \uc2e0\uccad\uc774 \uc989\uc2dc \uc911\uc9c0. \ubd80\ubd84 \uc900\ube44 \uc0c1\ud0dc\uc5d0\uc11c\ub3c4 \uc751\uae09 \uc2e0\uccad \uac00\ub2a5.<\/p>\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">04 \u00b7 \uc131\uacfc<\/p>\n<h2 class=\"slf-h2\">\uc758\ub8b0\uc778\uc758 \uc131\uacf5\uc73c\ub85c \uc815\uc758\ub418\ub294 \uacb0\uacfc.<\/h2>\n<p class=\"slf-lead\">\uac1c\uc778\u00b7\uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4 \ub300\ud45c \uc0ac\ub840. \uc774\uc804 \uacb0\uacfc\uac00 \ubbf8\ub798 \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<div class=\"slf-results\">\n\n<div class=\"slf-result-card\">\n<span class=\"slf-result-tag\">CHAPTER 7<\/span>\n<div class=\"slf-result-amount\">$80,000<\/div>\n<p>Bergen County \uac00\uc871\uc758 \uc2e0\uc6a9\uce74\ub4dc\u00b7\uc758\ub8cc \ucc44\ubb34 \uc804\uba74 \uba74\uc81c. \uc8fc\ud0dd\u00b7\uc740\ud1f4\uacc4\uc88c \ubcf4\uc874.<\/p>\n<\/div>\n\n<div class=\"slf-result-card\">\n<span class=\"slf-result-tag\">\ud30c\uc0b0 \uc804 \ud574\uacb0<\/span>\n<div class=\"slf-result-amount\">$150,000<\/div>\n<p>\ud32c\ub370\ubbf9 \uc2dd\ub2f9 \ud3d0\uc5c5 \ud6c4 \uac1c\uc778 \uc5f0\ub300\ubcf4\uc99d \ucc44\ubb34 \uc6cc\ud06c\uc544\uc6c3\uc73c\ub85c \ud574\uacb0. \ud30c\uc0b0 \ud68c\ud53c.<\/p>\n<\/div>\n\n<div class=\"slf-result-card\">\n<span class=\"slf-result-tag\">CHAPTER 13<\/span>\n<div class=\"slf-result-amount\">3\ub144<\/div>\n<p>Fort Lee \ud55c\uc778 \uac00\uc815 \ubaa8\uae30\uc9c0 \uc5f0\uccb4 \ud68c\ubcf5. \uc8fc\ud0dd \ubcf4\uc874 + $45,000 \ubb34\ub2f4\ubcf4 \ucc44\ubb34 \uba74\uc81c.<\/p>\n<\/div>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--alt\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">05 \u00b7 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/p>\n<h2 class=\"slf-h2\">\ud30c\uc0b0\uc5d0 \ub300\ud55c \uc194\uc9c1\ud55c \ub2f5\ubcc0.<\/h2>\n<div class=\"slf-faq\">\n\n<details>\n<summary>Chapter 7 \uc2e0\uccad\ud558\uba74 \uc9d1\uc744 \uc783\ub098\uc694?<\/summary>\n<div>\ub300\ubd80\ubd84 \uc8fc\ud0dd \ubcf4\uc874\ub429\ub2c8\ub2e4. NJ\ub294 \uc5f0\ubc29\u00b7\uc8fc \uba74\uc81c \uc790\uc0b0 \uc911 \uc120\ud0dd \uac00\ub2a5. \uc5f0\ubc29 Homestead Exemption\uc740 1\uc778\ub2f9 $27,900 \uc9c0\ubd84 \ubcf4\ud638(\ubd80\ubd80 $55,800). \uba74\uc81c \ud55c\ub3c4 \ucd08\uacfc \uc9c0\ubd84\uc774 \uc788\ub354\ub77c\ub3c4 Trustee\uc5d0\uac8c \ucc28\uc561 \uc9c0\ubd88 \uac00\ub2a5\ud558\uac70\ub098 \ubaa8\uae30\uc9c0 \ud6c4 \uc2e4\ud604 \uac00\ub2a5 \uc9c0\ubd84\uc774 \uc5c6\ub294 \uacbd\uc6b0 \uc8fc\ud0dd \ubcf4\uc874. Chapter 13\uc740 \uc0c1\ub2f9 \uc9c0\ubd84 \uc8fc\ud0dd\uc5d0 \ucd94\uac00 \uc218\ub2e8 \uc81c\uacf5.<\/div>\n<\/details>\n\n<details>\n<summary>\ucc28\ub7c9\uc740 \uc720\uc9c0\ud560 \uc218 \uc788\ub098\uc694?<\/summary>\n<div>\ub300\ubd80\ubd84 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc5f0\ubc29 \ucc28\ub7c9 \uba74\uc81c \ud55c\ub3c4 $4,450. \ub0a9\ubd80 \uc911\uc774\uace0 \uc720\uc9c0 \uc6d0\ud558\uba74 \uc7ac\ud655\uc778(Reaffirmation) \ub610\ub294 Chapter 13\uc5d0\uc11c \ub300\ucd9c \uc870\uac74 \uc218\uc815. \ub178\ud6c4 \ucc28\ub7c9 Chapter 13\uc5d0\uc11c\ub294 cram-down\uc73c\ub85c \ucc28\ub7c9 \uc2e4\uc81c \uac00\uce58\uae4c\uc9c0 \ub300\ucd9c \uac10\uc561.<\/div>\n<\/details>\n\n<details>\n<summary>401(k)\uc640 IRA\ub294 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/summary>\n<div>\uc740\ud1f4\uacc4\uc88c\ub294 \ubcf4\ud638\ub429\ub2c8\ub2e4. 401(k)\u00b7403(b)\u00b7\uc5f0\uae08\uc740 ERISA\uc5d0 \ub530\ub77c \uc644\uc804 \uba74\uc81c. IRA\ub294 $1,512,350(2024\ub144 \ud55c\ub3c4, \uc8fc\uae30\uc801 \uc870\uc815)\uae4c\uc9c0 \uba74\uc81c. \ud30c\uc0b0 \uc804 \uc740\ud1f4 \uc790\uae08 \uc778\ucd9c\ud558\uc5ec \ucc44\uad8c\uc790 \ubcc0\uc81c\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc2e4\uc218 \u2014 \uba74\uc81c\ub41c \ubcf4\ud638 \uc790\uae08\uc744 \ud30c\uc0b0\uc73c\ub85c \uba74\ucc45\ub420 \ucc44\ubb34 \ubcc0\uc81c\uc5d0 \uc0ac\uc6a9.<\/div>\n<\/details>\n\n<details>\n<summary>\uc784\uae08 \uc555\ub958\ub294 \uc989\uc2dc \uc911\uc9c0\ub418\ub098\uc694?<\/summary>\n<div>\uc608. Automatic Stay(11 USC \u00a7 362)\ub294 \uc2e0\uccad \uc21c\uac04 \ubc1c\ud6a8 \u2014 \uc784\uae08 \uc555\ub958\u00b7\uc740\ud589 \ucc28\uc555\u00b7\uc18c\uc1a1\u00b7\ucc44\uad8c\uc790 \uc804\ud654 \ubaa8\ub450 \uc989\uc2dc \uae08\uc9c0. \uace0\uc6a9\uc8fc\u00b7\ucc44\uad8c\uc790 \uba70\uce60 \ub0b4 \ud1b5\uc9c0. \uc2e0\uccad \uc804 90\uc77c \ub0b4 \uc555\ub958\ub41c \uae08\uc561\uc740 \uc6b0\uc120 \ubcc0\uc81c(Preference Payment)\ub85c \ud68c\uc218 \uac00\ub2a5.<\/div>\n<\/details>\n\n<details>\n<summary>\ud55c\uad6d\u00b7\uc911\uad6d \ubd80\ub3d9\uc0b0\uc774 \uc788\ub294\ub370 \uc2e0\uace0 \uc758\ubb34\uc778\uac00\uc694?<\/summary>\n<div>\uc608, \uc808\ub300 \uc758\ubb34. \ud30c\uc0b0 \uc2a4\ucf00\uc904\uc740 \uc804\uc138\uacc4 \uc790\uc0b0\u00b7\uc18c\ub4dd \uc2e0\uace0 \uc694\uad6c. \ud574\uc678 \ubd80\ub3d9\uc0b0\u00b7\uc0ac\uc5c5 \uc9c0\ubd84\u00b7\uc0c1\uc18d \ubbf8\uc2e0\uace0\ub294 \ud30c\uc0b0 \uc0ac\uae30(\uba74\ucc45 \uac70\ubd80 + \ud615\uc0ac \uc704\ud5d8). \ubcf8 \uc0ac\ubb34\uc18c\ub294 \ud55c\uad6d\u00b7\uc911\uad6d \ubd80\ub3d9\uc0b0\u00b7\uc0ac\uc5c5 \uc9c0\ubd84\u00b7\uac00\uc871 \uc0c1\uc18d\uc744 \ubbf8\uad6d \ud30c\uc0b0 \uc2e0\uccad\uacfc \uc870\uc815\ud569\ub2c8\ub2e4.<\/div>\n<\/details>\n\n<details>\n<summary>\uc18c\uaddc\ubaa8 \uc2dd\ub2f9\u00b7\uc0b4\ub871\uc774 Chapter 11 Subchapter V \uac00\ub2a5\ud55c\uac00\uc694?<\/summary>\n<div>\ucd1d \ucc44\ubb34 $7,500,000 \ubbf8\ub9cc(2024\ub144 \ud55c\ub3c4)\uc774\uba74 Subchapter V\ub294 \uc815\ud655\ud788 \uc18c\uae30\uc5c5 \ubaa9\uc801. \uc804\ud1b5 Chapter 11\ubcf4\ub2e4 \ud6e8\uc52c \ube60\ub974\uace0 \uc800\ub834. \uc0ac\uc7a5 \ud1b5\uc81c\uad8c \uc720\uc9c0, 90\uc77c \ub0b4 \uacc4\ud68d \ud655\uc815, 3-5\ub144 \uc0c1\ud658. \ud32c\ub370\ubbf9 \ucc44\ubb34\u00b7\uacf5\uae09\uc0ac \uc704\uae30 \uc9c1\uba74\ud55c \ud55c\uc778\u00b7\uc911\uad6d\uacc4 \uc2dd\ub2f9\u00b7\uc0b4\ub871\u00b7\uc18c\ub9e4\uc810\uc5d0 \uc801\ud569.<\/div>\n<\/details>\n\n<details>\n<summary>\ud30c\uc0b0\uc774 \uc2e0\uc6a9 \uc810\uc218\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc774 \uc788\ub098\uc694?<\/summary>\n<div>\ucd08\uae30 100-200\uc810 \ud558\ub77d \uc77c\ubc18\uc801. \uadf8\ub7ec\ub098 \ucc44\ubb34 \ub300\ube44 \uc18c\ub4dd \ube44\uc728\uc774 \uae09\uaca9\ud788 \uac1c\uc120\ub418\uc5b4 18-24\uac1c\uc6d4 \ub0b4 \uc911\uac04 600\uc810\ub300 \ud68c\ubcf5 \uc77c\ubc18\uc801. Chapter 7 \uba74\ucc45 2\ub144 \ud6c4 FHA \ubaa8\uae30\uc9c0, 4\ub144 \ud6c4 \uc77c\ubc18 \ubaa8\uae30\uc9c0 \uc790\uaca9 \ud68c\ubcf5.<\/div>\n<\/details>\n\n<details>\n<summary>\ubbf8\uad6d \uc2dc\ubbfc\uc774 \uc544\ub2c8\uc5b4\ub3c4 \ud30c\uc0b0 \uc2e0\uccad \uac00\ub2a5\ud55c\uac00\uc694?<\/summary>\n<div>\uc608. \ubbf8\uad6d \uac70\uc8fc\uc790 \ub610\ub294 \ubbf8\uad6d \ub0b4 \uc790\uc0b0 \ubcf4\uc720\uc790\ub294 \uc774\ubbfc \uc2e0\ubd84 \ubb34\uad00 \ud30c\uc0b0 \uac00\ub2a5. \ub2e8, \uc774\ubbfc \uacb0\uacfc \ud3c9\uac00 \ud544\uc694 \u2014 \ud2b9\ud788 \uc601\uc8fc\uad8c \uc2e0\uccad\uc790. \ubcf8 \uc0ac\ubb34\uc18c\ub294 \ud544\uc694 \uc2dc \uc774\ubbfc \ubcc0\ud638\uc0ac\uc640 \ud611\ub825\ud569\ub2c8\ub2e4.<\/div>\n<\/details>\n\n<details>\n<summary>\ubcf8 \uc0ac\ubb34\uc18c \ud30c\uc0b0 \uc2e0\uccad \ube44\uc6a9\uc740?<\/summary>\n<div>\ubcc0\ud638\uc0ac \ube44\uc6a9\uc740 \ucf00\uc774\uc2a4 \ubcf5\uc7a1\uc131(Chapter\u00b7\uc790\uc0b0 \ubcf5\uc7a1\ub3c4\u00b7\uc0ac\uc5c5 \uad00\uc5ec)\uc5d0 \ub530\ub77c. \ubc95\uc6d0 \uc2e0\uccad \ube44\uc6a9: Chapter 7 = $338, Chapter 13 = $313, Chapter 11 Subchapter V = $1,738. \ub300\ubd80\ubd84 \uc18c\ube44\uc790 Chapter 7\uc740 \uc815\uc561\uc81c. \ucd08\uae30 \uc0c1\ub2f4 \ubb34\ub8cc \u2014 \uacc4\uc57d \uc804 \uba85\ud655\ud55c \uc11c\uba74 \uacac\uc801 \uc81c\uacf5.<\/div>\n<\/details>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--dark\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">06 \u00b7 \uc11c\ube44\uc2a4 \uc9c0\uc5ed<\/p>\n<h2 class=\"slf-h2\">\ub274\uc800\uc9c0\u00b7\ub274\uc695 \uc5f0\ubc29 \ud30c\uc0b0\ubc95\uc6d0 \uc2e4\ubb34.<\/h2>\n<p class=\"slf-lead\">NJ(\ub274\uc5b4\ud06c\u00b7\ud2b8\ub80c\ud134\u00b7\ucea0\ub4e0)\uc640 NY(\ub0a8\ubd80\u00b7\ub3d9\ubd80 \uc9c0\uad6c) \uc5f0\ubc29 \ud30c\uc0b0\ubc95\uc6d0. Fort Lee \ubcf8\uc0ac\uc5d0\uc11c NJ \uc804\uc5ed\uacfc NY \uba54\ud2b8\ub85c \uc11c\ube44\uc2a4.<\/p>\n<div class=\"slf-areas\">\n\n<div class=\"slf-area-card\">\n<h3>Fort Lee \u00b7 Bergen County<\/h3>\n<p>Edgewater \u00b7 Cliffside Park \u00b7 Englewood \u00b7 Hackensack \u00b7 Palisades Park \u00b7 Ridgefield \u00b7 Tenafly \u00b7 Leonia. Parker Plaza \ubcf8\uc0ac.<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>Hudson County<\/h3>\n<p>Jersey City \u00b7 Hoboken \u00b7 Union City \u00b7 Weehawken \u00b7 West New York \u00b7 North Bergen. NJ \uc5f0\ubc29 \ud30c\uc0b0\ubc95\uc6d0 \ub274\uc5b4\ud06c \uc9c0\uad6c.<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>Essex \u00b7 Passaic \u00b7 Morris<\/h3>\n<p>\ub274\uc5b4\ud06c \u00b7 Paterson \u00b7 Clifton \u00b7 Wayne \u00b7 \ubaa8\ub9ac\uc2a4\ud0c0\uc6b4 \u00b7 Parsippany. NJ \ubd81\ubd80 \ud55c\uc778\u00b7\uc911\uad6d\uacc4 \ube44\uc988\ub2c8\uc2a4 \ucee4\ubba4\ub2c8\ud2f0.<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>NY \ub9e8\ud574\ud2bc \u00b7 \ube0c\ub871\ud06c\uc2a4<\/h3>\n<p>NY \ub0a8\ubd80 \uc9c0\uad6c \ud30c\uc0b0\ubc95\uc6d0. NJ-NY \uac04 \ube44\uc988\ub2c8\uc2a4\u00b7\uac00\uc871 \uc0ac\uac74 \uc5f0\ubc29 \ubc95\uc6d0 \uc790\uaca9 \ubcf4\uc720.<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>NY \ud038\uc988 \u00b7 \ube0c\ub8e8\ud074\ub9b0 \u00b7 \ub871\uc544\uc77c\ub79c\ub4dc<\/h3>\n<p>NY \ub3d9\ubd80 \uc9c0\uad6c. Flushing \u00b7 Bayside \u00b7 Astoria \u00b7 Sunset Park \ud55c\uc778\u00b7\uc911\uad6d\uacc4 \ucee4\ubba4\ub2c8\ud2f0.<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>NJ \uc911\u00b7\ub0a8\ubd80<\/h3>\n<p>Edison \u00b7 New Brunswick \u00b7 Princeton \u00b7 Cherry Hill \u00b7 Marlton. \ud2b8\ub80c\ud134\u00b7\ucea0\ub4e0 \uc5f0\ubc29 \ud30c\uc0b0\ubc95\uc6d0.<\/p>\n<\/div>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">07 \u00b7 \ucd5c\uc2e0 \uae00<\/p>\n<h2 class=\"slf-h2\">\ud30c\uc0b0\ubc95 \uc778\uc0ac\uc774\ud2b8 \u00b7 \uc5c5\ub370\uc774\ud2b8.<\/h2>\n<p class=\"slf-lead\">NJ \ud30c\uc0b0\ubc95, \uc0ac\uc5c5\uccb4 \uc7ac\uc870\uc9c1, \uad6d\uc81c \ucc44\ubb34 \uc804\ub7b5\uc5d0 \uad00\ud55c \ucd5c\uc2e0 \uce7c\ub7fc.<\/p>\n<div style=\"text-align:center;margin-top:30px;\">\n<a href=\"\/ko\/category\/legal-columns-ko\/\" class=\"slf-btn slf-btn--primary\">\ubc95\ub960 \uce7c\ub7fc \uc804\uccb4 \ubcf4\uae30<\/a>\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--dark\">\n<div class=\"slf-wrap\" style=\"text-align:center;\">\n<p class=\"slf-eyebrow\">08 \u00b7 \uc0c1\ub2f4 \ubb38\uc758<\/p>\n<h2 class=\"slf-h2\">\uc0c8 \ucd9c\ubc1c\uc740 \ud55c \ubc88\uc758 \ub300\ud654\ub85c \uc2dc\uc791\ub429\ub2c8\ub2e4.<\/h2>\n<p class=\"slf-lead\">\ubb34\ub8cc \ucd08\uae30 \uc0c1\ub2f4. \ud55c\uad6d\uc5b4\u00b7\uc911\uad6d\uc5b4\u00b7\uc601\uc5b4 \uc9c1\uc811 \ubcc0\ud638\uc0ac \uc0c1\ub2f4. \ud1b5\uc5ed \uc5c6\uc774, \uc2dc\ub2c8\uc5b4 \ubcc0\ud638\uc0ac\uac00 \uccab\ub0a0\ubd80\ud130 \uc758\ub8b0\uc778 \uc0ac\uac74 \uc9c1\uc811 \ucc98\ub9ac.<\/p>\n<div class=\"slf-cta-row\">\n<a aria-label=\"Call  12014610031\" href=\"tel:+12014610031\" class=\"slf-btn slf-btn--primary\">\uc804\ud654 (201) 461-0031<\/a>\n<a href=\"https:\/\/songlawfirm.com\/ko\/consutation\/\" class=\"slf-btn slf-btn--outline\">\ubb34\ub8cc \uc0c1\ub2f4 \uc2e0\uccad<\/a>\n<\/div>\n<p style=\"font-size:13px;color:#d8d4c8;margin-top:30px;\">\nParker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024 \u00b7 office@songlawfirm.com\n<\/p>\n<\/div>\n<\/section>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\uc1a1\ub85c\ud38c \u00b7 \uc5c5\ubb34\ubd84\uc57c \ub274\uc800\uc9c0\u00b7\ub274\uc695 \ud30c\uc0b0\ubc95 \uc804\ubb38 \ubcc0\ud638\uc0ac \ud55c\uad6d\uc5b4 \u00b7 \u4e2d\u6587 \u00b7 English \ubaa8\ub450 \uc9c1\uc811 \uc0c1\ub2f4 \uac00\ub2a5 \ud55c\uc778\u00b7\uc911\uad6d\uacc4 \uac00\uc815\uacfc \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4\uc758 \ucc44\ubb34 \uc704\uae30 \u2014 Chapter 7\u00b713\u00b711\/Subchapter V\ub97c \ud1b5\ud55c \ud569\ubc95\uc801 \ucc44\ubb34 \uba74\uc81c\uc640 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":24424,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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