{"id":24032,"date":"2026-02-11T09:22:18","date_gmt":"2026-02-11T14:22:18","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=24032"},"modified":"2026-02-11T09:22:18","modified_gmt":"2026-02-11T14:22:18","slug":"%eb%88%88%eb%8d%a9%ec%9d%b4%ec%b2%98%eb%9f%bc-%eb%b6%88%ec%96%b4%eb%82%9c-%ec%b9%b4%eb%93%9c%eb%b9%9a%ea%b3%bc-%ea%b0%9c%ec%9d%b8-%eb%8c%80%ec%b6%9c-chapter-7%ec%9c%bc%eb%a1%9c-8%eb%a7%8c-%eb%8b%ac","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%88%88%eb%8d%a9%ec%9d%b4%ec%b2%98%eb%9f%bc-%eb%b6%88%ec%96%b4%eb%82%9c-%ec%b9%b4%eb%93%9c%eb%b9%9a%ea%b3%bc-%ea%b0%9c%ec%9d%b8-%eb%8c%80%ec%b6%9c-chapter-7%ec%9c%bc%eb%a1%9c-8%eb%a7%8c-%eb%8b%ac\/","title":{"rendered":"\ub208\ub369\uc774\ucc98\ub7fc \ubd88\uc5b4\ub09c \uce74\ub4dc\ube5a\uacfc \uac1c\uc778 \ub300\ucd9c, Chapter 7\uc73c\ub85c 8\ub9cc \ub2ec\ub7ec \uc804\uc561 \ud0d5\uac10"},"content":{"rendered":"<h3 data-path-to-node=\"3\"><b data-path-to-node=\"3\" data-index-in-node=\"0\">\ub208\ub369\uc774\ucc98\ub7fc \ubd88\uc5b4\ub09c \uce74\ub4dc\ube5a\uacfc \uac1c\uc778 \ub300\ucd9c, Chapter 7\uc73c\ub85c 8\ub9cc \ub2ec\ub7ec \uc804\uc561 \ud0d5\uac10<\/b><\/h3>\n<p data-path-to-node=\"4\"><b data-path-to-node=\"4\" data-index-in-node=\"0\">\uc0ac\uac74 \uac1c\uc694:<\/b> \ub274\uc800\uc9c0\uc5d0 \uac70\uc8fc\ud558\ub294 30\ub300 \uc9c1\uc7a5\uc778 A\uc528\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\ubd80\ud130 \uc0dd\ud65c\ube44\ub97c \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4. \uace0\ubb3c\uac00\uc640 \uac11\uc791\uc2a4\ub7ec\uc6b4 \ucc28\ub7c9 \uc218\ub9ac\ube44 \ub4f1\uc73c\ub85c \uc9c0\ucd9c\uc774 \ub298\uc5b4\ub098\uc790 \ubd80\uc871\ud55c \uae08\uc561\uc744 \uac1c\uc778 \ub300\ucd9c(Personal Loan)\ub85c \ub3cc\ub824\ub9c9\uae30 \uc2dc\uc791\ud588\uace0, \uc21c\uc2dd\uac04\uc5d0 \ube5a\uc740 8\ub9cc \ub2ec\ub7ec(\ud55c\ud654 \uc57d 1\uc5b5 \uc6d0)\uae4c\uc9c0 \ubd88\uc5b4\ub0ac\uc2b5\ub2c8\ub2e4. \ub9e4\ub2ec \uc6d4\uae09\uc758 \ub300\ubd80\ubd84\uc774 \uc774\uc790\ub85c \ube60\uc838\ub098\uac00\ub294 \uc545\uc21c\ud658 \uc18d\uc5d0 \ucc44\uad8c\ucd94\uc2ec \uc5c5\uccb4\uc758 \ub3c5\ucd09 \uc804\ud654\ub85c \uc9c1\uc7a5 \uc0dd\ud65c\ub9c8\uc800 \uc704\ud611\ubc1b\ub294 \uc0c1\ud669\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"5\"><b data-path-to-node=\"5\" data-index-in-node=\"0\">\uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc758 \uc870\ub825:<\/b> A\uc528\ub294 \ud30c\uc0b0\uc744 \ud558\uba74 \ubaa8\ub4e0 \uc7ac\uc0b0\uc744 \uc783\uac70\ub098 \ud3c9\uc0dd \uaf2c\ub9ac\ud45c\uac00 \ub0a8\uc744\uae4c \ub450\ub824\uc6cc \ub9dd\uc124\uc600\uc2b5\ub2c8\ub2e4. \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c \ud30c\uc0b0\ud300\uc740 A\uc528\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uba74\ubc00\ud788 \ubd84\uc11d\ud558\uc5ec, A\uc528\uac00 \uc18c\ub4dd \uae30\uc900(Means Test)\uc744 \ud1b5\uacfc\ud558\uc5ec &#8216;Chapter 7(\uccad\uc0b0 \ud30c\uc0b0)&#8217; \uc790\uaca9\uc774 \ucda9\ubd84\ud568\uc744 \ud655\uc778\ud588\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ud30c\uc0b0 \uc2e0\uccad \uc989\uc2dc &#8216;\uc790\ub3d9 \uc911\uc9c0(Automatic Stay)&#8217; \ud6a8\ub825\uc744 \ud1b5\ud574 \ucc44\uad8c\uc790\ub4e4\uc758 \ubaa8\ub4e0 \ub3c5\ucd09 \uc804\ud654\uc640 \uc6b0\ud3b8\ubb3c\uc744 \ubc95\uc801\uc73c\ub85c \uc911\ub2e8\uc2dc\ucf30\uc2b5\ub2c8\ub2e4.<\/p>\n<p data-path-to-node=\"6\"><b data-path-to-node=\"6\" data-index-in-node=\"0\">\uacb0\uacfc:<\/b> \ubc95\uc6d0\uc73c\ub85c\ubd80\ud130 8\ub9cc \ub2ec\ub7ec\uc758 \ubb34\ub2f4\ubcf4 \ucc44\ubb34 \uc804\uc561\uc5d0 \ub300\ud574 <b data-path-to-node=\"6\" data-index-in-node=\"32\">&#8216;\uba74\ucc45(Discharge)&#8217; \ud310\uacb0<\/b>\uc744 \ubc1b\uc558\uc2b5\ub2c8\ub2e4. A\uc528\ub294 \ub354 \uc774\uc0c1 \ube5a \ub3c5\ucd09\uc5d0 \uc2dc\ub2ec\ub9ac\uc9c0 \uc54a\uac8c \ub418\uc5c8\uc73c\uba70, \ube5a \uc5c6\ub294 \uc0c1\ud0dc\uc5d0\uc11c \uc800\ucd95\uc744 \uc2dc\uc791\ud558\ub294 \ub4f1 \uc9c4\uc815\ud55c \uc0c8 \ucd9c\ubc1c\uc744 \ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<blockquote data-path-to-node=\"7\">\n<p data-path-to-node=\"7,0\"><b data-path-to-node=\"7,0\" data-index-in-node=\"0\">[\ubcc0\ud638\uc0ac \uc0c1\ub2f4 \ubb38\uc758]<\/b> \uac10\ub2f9\ud560 \uc218 \uc5c6\ub294 \uce74\ub4dc\ube5a, \ud63c\uc790 \uace0\ubbfc\ud558\uc9c0 \ub9c8\uc138\uc694. \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc774 \ub2f9\uc2e0\uc758 \ub4e0\ub4e0\ud55c \ubc29\ud328\uac00 \ub418\uc5b4\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\n<p data-path-to-node=\"39,0,0\"><b data-path-to-node=\"39,0,0\" data-index-in-node=\"0\">\uce74\uce74\uc624\ud1a1 \ucc44\ub110:<\/b> Song Law Firm<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"39,1,0\"><b data-path-to-node=\"39,1,0\" data-index-in-node=\"0\">\uc804\ud654:<\/b> 201-461-0031<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"39,2,0\"><b data-path-to-node=\"39,2,0\" data-index-in-node=\"0\">\uc774\uba54\uc77c:<\/b> mail@songlawfirm.com<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"39,3,0\"><b data-path-to-node=\"39,3,0\" data-index-in-node=\"0\">\uc6f9\uc0ac\uc774\ud2b8:<\/b> <a class=\"ng-star-inserted\" href=\"https:\/\/www.songlawfirm.com\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwigiqT-ytGSAxUAAAAAHQAAAAAQmwE\">www.songlawfirm.com<\/a><\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"7,1\"><i data-path-to-node=\"7,1\" data-index-in-node=\"0\">\uba74\ucc45 \uc870\ud56d: \ubcf8 \uc131\uacf5\uc0ac\ub840\ub294 \uc2e4\uc81c \uc0ac\uac74\uc744 \ubc14\ud0d5\uc73c\ub85c \uc7ac\uad6c\uc131\ub41c \ub0b4\uc6a9\uc774\uba70, \uacfc\uac70\uc758 \uacb0\uacfc\uac00 \ubbf8\ub798\uc758 \uc720\uc0ac\ud55c \uacb0\uacfc\ub098 \uc131\uacf5\uc744 \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uac1c\ubcc4 \uc0ac\uc548\uc5d0 \ub530\ub77c \ubc95\uc801 \uacb0\uacfc\ub294 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/i><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>\ub208\ub369\uc774\ucc98\ub7fc \ubd88\uc5b4\ub09c \uce74\ub4dc\ube5a\uacfc \uac1c\uc778 \ub300\ucd9c, Chapter 7\uc73c\ub85c 8\ub9cc \ub2ec\ub7ec \uc804\uc561 \ud0d5\uac10 \uc0ac\uac74 \uac1c\uc694: \ub274\uc800\uc9c0\uc5d0 \uac70\uc8fc\ud558\ub294 30\ub300 \uc9c1\uc7a5\uc778 A\uc528\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\ubd80\ud130 \uc0dd\ud65c\ube44\ub97c \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4. \uace0\ubb3c\uac00\uc640 \uac11\uc791\uc2a4\ub7ec\uc6b4 \ucc28\ub7c9 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":24033,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","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":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","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":"var(--ast-global-color-5)","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":""}},"footnotes":""},"categories":[402,404],"tags":[2628,785,3363,685],"class_list":["post-24032","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-402","category-404","tag-2628","tag-785","tag-3363","tag-685"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ub208\ub369\uc774\ucc98\ub7fc \ubd88\uc5b4\ub09c \uce74\ub4dc\ube5a\uacfc \uac1c\uc778 \ub300\ucd9c, Chapter 7\uc73c\ub85c 8\ub9cc \ub2ec\ub7ec \uc804\uc561 \ud0d5\uac10 - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c<\/title>\n<meta name=\"description\" content=\"\ud30c\uc0b0\uc744 \ud558\uba74 \ubaa8\ub4e0 \uc7ac\uc0b0\uc744 \uc783\uac70\ub098 \ud3c9\uc0dd \uaf2c\ub9ac\ud45c\uac00 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