{"id":26057,"date":"2026-06-11T08:40:00","date_gmt":"2026-06-11T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26057"},"modified":"2026-06-10T22:10:44","modified_gmt":"2026-06-11T02:10:44","slug":"chapter-7-vs-chapter-13-%ec%96%b4%eb%96%a4-%ed%8c%8c%ec%82%b0%ec%9d%84-%ec%84%a0%ed%83%9d","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/chapter-7-vs-chapter-13-%ec%96%b4%eb%96%a4-%ed%8c%8c%ec%82%b0%ec%9d%84-%ec%84%a0%ed%83%9d\/","title":{"rendered":"Chapter 7 vs Chapter 13: \uc5b4\ub5a4 \ud30c\uc0b0\uc744 \uc120\ud0dd\ud574\uc57c \ud560\uae4c\uc694? (NJ\u00b7NY \ud55c\uc778 \uc758\ub8b0\uc778 \uae30\uc900)"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\ud55c\uc778 \uc758\ub8b0\uc778\ub4e4\uc774 \uc1a1\ub85c\ud38c\uc5d0 \ud30c\uc0b0 \uc0c1\ub2f4\uc744 \uc694\uccad\ud558\uc2e4 \ub54c \uac00\uc7a5 \uba3c\uc800 \uace0\ubbfc\ud558\uc2dc\ub294 \uac83\uc774 Chapter 7\uacfc Chapter 13 \uc911 \uc5b4\ub290 \ucabd\uc774 \ubcf8\uc778\uc5d0\uac8c \ub9de\ub290\ub0d0 \ud558\ub294 \uc9c8\ubb38\uc785\ub2c8\ub2e4. \ub450 \uac00\uc9c0 \ubaa8\ub450 \ubbf8\uad6d \uc5f0\ubc29 \ud30c\uc0b0\ubc95(11 U.S.C.)\uc5d0 \uadfc\uac70\ud558\uc9c0\ub9cc, \uc808\ucc28\uc640 \uacb0\uacfc\ub294 \uc644\uc804\ud788 \ub2e4\ub985\ub2c8\ub2e4.<\/strong><\/p>\n<h2 class=\"wp-block-heading\">Chapter 7 \u2014 \uccad\uc0b0(Liquidation) \ud30c\uc0b0<\/h2>\n<p class=\"wp-block-paragraph\">Chapter 7\uc740 11 U.S.C. \u00a7 701 \uc774\ud558\uc5d0 \uaddc\uc815\ub418\uc5b4 \uc788\uc73c\uba70, \ube44\uba74\uc81c \uc790\uc0b0\uc744 \uc2e0\ud0c1\uad00\ub9ac\uc778(Trustee)\uc774 \ub9e4\uac01\ud574 \ucc44\uad8c\uc790\uc5d0\uac8c \ubd84\ubc30\ud558\uace0 \ub098\uba38\uc9c0 \ubb34\ub2f4\ubcf4 \ucc44\ubb34\ub97c \uba74\ucc45(Discharge)\ubc1b\ub294 \uc808\ucc28\uc785\ub2c8\ub2e4. \uc2e0\uccad\ubd80\ud130 \uba74\ucc45\uae4c\uc9c0 \uc57d 4~6\uac1c\uc6d4 \uc18c\uc694\ub429\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">Chapter 13 \u2014 \uc7ac\uc870\uc815(Reorganization) \ud30c\uc0b0<\/h2>\n<p class=\"wp-block-paragraph\">Chapter 13\uc740 11 U.S.C. \u00a7 1301 \uc774\ud558\uc5d0 \uaddc\uc815\ub418\uc5b4 \uc788\uc73c\uba70, \uc815\uae30 \uc18c\ub4dd\uc774 \uc788\ub294 \uac1c\uc778\uc774 3~5\ub144 \ub3d9\uc548 \ucc44\ubb34\ub97c \uc870\uc815 \uc0c1\ud658\ud558\ub294 \uc808\ucc28\uc785\ub2c8\ub2e4. \uc8fc\ud0dd \uc555\ub958\ub97c \ub9c9\uac70\ub098 \ubbf8\ub0a9 \ucc28\ub7c9 \ud560\ubd80\ub97c \ubd84\ud560 \uc0c1\ud658\ud558\ub824\ub294 \uc758\ub8b0\uc778\uc774 \uc8fc\ub85c \uc120\ud0dd\ud569\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">NJ vs NY \ucc28\uc774\uc810<\/h2>\n<p class=\"wp-block-paragraph\">\ub450 \uc8fc \ubaa8\ub450 \ub3d9\uc77c\ud55c \uc5f0\ubc29 \ud30c\uc0b0\ubc95\uc744 \uc801\uc6a9\ubc1b\uc9c0\ub9cc \uad00\ud560 \ubc95\uc6d0\uc774 \ub2e4\ub985\ub2c8\ub2e4. <strong>\ub274\uc800\uc9c0 \uac70\uc8fc\uc790<\/strong>\ub294 District of New Jersey Bankruptcy Court(Newark\u00b7Camden\u00b7Trenton)\uc5d0\uc11c \uc2e0\uccad\ud569\ub2c8\ub2e4. <strong>\ub274\uc695 \uac70\uc8fc\uc790<\/strong>\ub294 \uac70\uc8fc \uce74\uc6b4\ud2f0\uc5d0 \ub530\ub77c Southern District(Manhattan\u00b7Bronx\u00b7Westchester), Eastern District(Brooklyn\u00b7Queens\u00b7Long Island), Northern District(Albany), Western District(Buffalo) \uc911 \ud55c \uacf3\uc5d0\uc11c \uc2e0\uccad\ud569\ub2c8\ub2e4. \uba74\uc81c \ud55c\ub3c4\ub3c4 \uc8fc\ubcc4\ub85c \ub2e4\ub974\ubbc0\ub85c \ubcc4\ub3c4 \uac80\ud1a0\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">\uc120\ud0dd \uae30\uc900 5\uac00\uc9c0<\/h2>\n<p class=\"wp-block-paragraph\">\uc1a1\ub85c\ud38c\uc774 \ud55c\uc778 \uc758\ub8b0\uc778 \uc0c1\ub2f4 \uc2dc \uc6b0\uc120 \uac80\ud1a0\ud558\ub294 \ub2e4\uc12f \uac00\uc9c0 \uae30\uc900: <strong>(1)<\/strong> \uac00\uad6c \uc18c\ub4dd\uc774 \uc8fc \uc911\uc704 \uc18c\ub4dd \uc774\ud558\uc778 \uacbd\uc6b0 Chapter 7 \uac00\ub2a5, <strong>(2)<\/strong> \ube44\uba74\uc81c \uc790\uc0b0\uc774 \ub9ce\uc73c\uba74 Chapter 13 \uc720\ub9ac, <strong>(3)<\/strong> \uc8fc\ud0dd \uc555\ub958 \ud1b5\uc9c0\uc11c\ub97c \ubc1b\uc740 \uacbd\uc6b0 Chapter 13\uc758 \uc790\ub3d9\uc911\uc9c0(Automatic Stay) \ud65c\uc6a9, <strong>(4)<\/strong> \uc790\uc601\uc5c5\uc790\ub294 Chapter 11 Subchapter V \ucd94\uac00 \uac80\ud1a0, <strong>(5)<\/strong> \uacfc\uac70 8\ub144 \uc774\ub0b4 Chapter 7 \uba74\ucc45\uc744 \ubc1b\uc558\uc73c\uba74 Chapter 13\ub9cc \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">\ud55c\uc778 \uc758\ub8b0\uc778 FAQ<\/h2>\n<h3 class=\"wp-block-heading\">Q. \uc601\uc8fc\uad8c\uc790\ub098 \ube44\uc790 \uc18c\uc9c0\uc790\ub3c4 \uc2e0\uccad \uac00\ub2a5\ud55c\uac00\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">\ub124. \ubbf8\uad6d \ud30c\uc0b0\ubc95\uc740 \uc2e0\uccad\uc778\uc758 \uccb4\ub958 \uc2e0\ubd84\uacfc \ubb34\uad00\ud558\uac8c \ubbf8\uad6d \ub0b4 \uac70\uc8fc\u00b7\uc790\uc0b0\u00b7\ucc44\ubb34\uac00 \uc788\uc73c\uba74 \uc790\uaca9\uc744 \ubd80\uc5ec\ud569\ub2c8\ub2e4. \ub2e8, E-2 \uc601\uc5c5\ube44\uc790 \ub4f1 \uc0ac\uc5c5\uccb4 \uc0c1\ud0dc\uc640 \uc5f0\uad00\ub41c \ube44\uc790\ub294 \ucd94\uac00 \uac80\ud1a0\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h3 class=\"wp-block-heading\">Q. \ubd80\ubd80 \uc911 \ud55c \uba85\ub9cc \uc2e0\uccad\ud560 \uc218 \uc788\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">\uac00\ub2a5\ud569\ub2c8\ub2e4. \ubcf8\uc778 \uba85\uc758 \ucc44\ubb34\ub9cc \ucc98\ub9ac\ud558\uba74 \ub418\ub294 \uacbd\uc6b0 \ub2e8\ub3c5 \uc2e0\uccad\uc774 \uc720\ub9ac\ud560 \uc218 \uc788\uc73c\ub098, \uacf5\ub3d9 \uba85\uc758 \ucc44\ubb34\u00b7\uacf5\ub3d9 \uc790\uc0b0\uc740 \ubc30\uc6b0\uc790\uc5d0\uac8c\ub3c4 \uc601\ud5a5\uc744 \ubbf8\uce58\ubbc0\ub85c \uc1a1\ub85c\ud38c\uc774 \uc0ac\uc804 \uc0c1\ub2f4\uc5d0\uc11c \uac00\uc871 \uc790\uc0b0 \uad6c\uc870 \uc804\ubc18\uc744 \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">\uc1a1\ub85c\ud38c\uc758 \uc57d\uc18d<\/h2>\n<p class=\"wp-block-paragraph\">\uc1a1\ub85c\ud38c\uc740 \ud55c\uc778 \uc758\ub8b0\uc778\uc744 \uc704\ud55c \ud55c\uad6d\uc5b4 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ud30c\uc0b0 \uc2e0\uccad \uc804 \ucc44\uad8c\uc790 \ud611\uc0c1\ubd80\ud130 \uc790\uc0b0 \ubcf4\ud638 \uad6c\uc870 \uac80\ud1a0, \uc2e0\uccad \ud6c4 \uc2e0\uc6a9 \ud68c\ubcf5 \uc804\ub7b5\uae4c\uc9c0 \ud1b5\ud569\uc801\uc73c\ub85c \uc81c\uacf5\ud569\ub2c8\ub2e4. Fort Lee, Bergen County, Hudson County\ub97c \ube44\ub86f\ud55c \ub274\uc800\uc9c0\u00b7\ub274\uc695 \uc804\uc5ed\uc5d0\uc11c \ud55c\uad6d\uc5b4\u00b7\uc601\uc5b4\u00b7\uc911\uad6d\uc5b4 3\uac1c \uc5b8\uc5b4 \uc0c1\ub2f4\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">\ubb34\ub8cc \uc0c1\ub2f4 \uc548\ub0b4<\/h2>\n<ul class=\"wp-block-list\"><li>\ud83d\udcde <strong>(201) 461-0031<\/strong> (\uc6d4~\uae08 09:00~18:00 ET)<\/li><li>\u2709\ufe0f <strong>mail@songlawfirm.com<\/strong><\/li><li>\ud83d\udcac \uce74\uce74\uc624\ud1a1 <strong>Song Law Firm<\/strong><\/li><li>\ud83c\udf10 <strong>www.songlawfirm.com<\/strong><\/li><\/ul>\n<p class=\"wp-block-paragraph\"><em>\ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18\uc801\uc778 \ubc95\ub960 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\uba70 \ud2b9\uc815 \uc0ac\uc548\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubcf8 \uae00\uc744 \uc77d\uac70\ub098 \uc1a1\ub85c\ud38c\uc5d0 \uc5f0\ub77d\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub294 \ubcc0\ud638\uc0ac\u00b7\uc758\ub8b0\uc778 \uad00\uacc4\uac00 \uc131\ub9bd\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \ubc95\ub960 \ubb38\uc81c\ub294 \uc790\uaca9 \uc788\ub294 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>\ud55c\uc778 \uc758\ub8b0\uc778\ub4e4\uc774 \uc1a1\ub85c\ud38c\uc5d0 \ud30c\uc0b0 \uc0c1\ub2f4\uc744 \uc694\uccad\ud558\uc2e4 \ub54c \uac00\uc7a5 \uba3c\uc800 \uace0\ubbfc\ud558\uc2dc\ub294 \uac83\uc774 Chapter 7\uacfc Chapter 13 \uc911 \uc5b4\ub290 \ucabd\uc774 \ubcf8\uc778\uc5d0\uac8c \ub9de\ub290\ub0d0 \ud558\ub294 \uc9c8\ubb38\uc785\ub2c8\ub2e4. \ub450 \uac00\uc9c0 \ubaa8\ub450 \ubbf8\uad6d \uc5f0\ubc29 \ud30c\uc0b0\ubc95(11 U.S.C.)\uc5d0 \uadfc\uac70\ud558\uc9c0\ub9cc, [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26116,"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":"","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 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":[356,358],"tags":[1626,1625,4100,4101,4099,4102],"class_list":["post-26057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category--columns","tag-chapter-13-2","tag-chapter-7-2","tag-nj-","tag-ny-","tag-4099","tag-4102"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Chapter 7 vs Chapter 13: \uc5b4\ub5a4 \ud30c\uc0b0\uc744 \uc120\ud0dd\ud574\uc57c \ud560\uae4c\uc694? (NJ\u00b7NY \ud55c\uc778 \uc758\ub8b0\uc778 \uae30\uc900) - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/songlawfirm.com\/ko\/chapter-7-vs-chapter-13-%ec%96%b4%eb%96%a4-%ed%8c%8c%ec%82%b0%ec%9d%84-%ec%84%a0%ed%83%9d\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chapter 7 vs Chapter 13: \uc5b4\ub5a4 \ud30c\uc0b0\uc744 \uc120\ud0dd\ud574\uc57c \ud560\uae4c\uc694? (NJ\u00b7NY \ud55c\uc778 \uc758\ub8b0\uc778 \uae30\uc900)\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. 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