{"id":26060,"date":"2026-06-12T08:40:00","date_gmt":"2026-06-12T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26060"},"modified":"2026-06-10T22:10:46","modified_gmt":"2026-06-11T02:10:46","slug":"nj-ny-%ed%8c%8c%ec%82%b0-%eb%a9%b4%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%a3%bc%ed%83%9d-%ec%b0%a8%eb%9f%89-%ed%87%b4%ec%a7%81%ea%b8%88-%eb%b3%b4%ed%98%b8","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/nj-ny-%ed%8c%8c%ec%82%b0-%eb%a9%b4%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%a3%bc%ed%83%9d-%ec%b0%a8%eb%9f%89-%ed%87%b4%ec%a7%81%ea%b8%88-%eb%b3%b4%ed%98%b8\/","title":{"rendered":"NJ\u00b7NY \ud30c\uc0b0 \uba74\uc81c(Exemption) \ud55c\ub3c4 \u2014 \ub0b4 \uc9d1\u00b7\ucc28\u00b7\ud1f4\uc9c1\uae08\uc740 \uc548\uc804\ud55c\uac00?"},"content":{"rendered":"

\ud30c\uc0b0 \uc2e0\uccad \uc2dc \uac00\uc7a5 \ud070 \uad00\uc2ec\uc0ac\ub294 “\ub0b4 \uc790\uc0b0\uc774 \uc5b4\ub514\uae4c\uc9c0 \ubcf4\ud638\ub418\ub294\uac00”\uc785\ub2c8\ub2e4. \ubbf8\uad6d \ud30c\uc0b0\ubc95(11 U.S.C. \u00a7 522)\uc740 \uc2e0\uccad\uc778\uc774 \uc77c\uc815\ud55c \uc790\uc0b0\uc744 \uba74\uc81c(Exempt)\ub85c \ubd84\ub958\ud574 \ubcf4\ud638\ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uaddc\uc815\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0 \uac70\uc8fc\uc790\ub294 \uc5f0\ubc29 \uba74\uc81c \ub610\ub294 NJ \uc8fc \uba74\uc81c \uc911 \uc120\ud0dd \uac00\ub2a5\ud558\uba70, \ub274\uc695 \uac70\uc8fc\uc790\ub294 NY \uc8fc \uba74\uc81c \ub610\ub294 \uc5f0\ubc29 \uba74\uc81c \uc911 \uc120\ud0dd \uac00\ub2a5<\/strong>\ud569\ub2c8\ub2e4.<\/strong><\/p>\n

\uc5f0\ubc29 \uba74\uc81c \ud575\uc2ec \ud55c\ub3c4 (2026\ub144 \uae30\uc900)<\/h2>\n

\uc8fc\ud0dd(Homestead)<\/strong> \uc2e0\uccad\uc778 1\uc778\ub2f9 \uc57d $27,900 (\ubd80\ubd80 \uacf5\ub3d9 \uc57d $55,800). \ucc28\ub7c9<\/strong> 1\ub300\ub2f9 \uc57d $4,450. 401(k)\u00b7IRA<\/strong> \uc0ac\uc2e4\uc0c1 \ubb34\uc81c\ud55c \ubcf4\ud638 (IRA \uc57d $1,512,350 \ud55c\ub3c4). \uac00\uc7ac\ub3c4\uad6c<\/strong> \ud569\uacc4 \uc57d $14,875 (1\ud488\ubaa9 \uc57d $700). Wildcard<\/strong> \uc57d $1,475 + \ubbf8\uc0ac\uc6a9 Homestead\uc758 50%.<\/p>\n

\ub274\uc695 \uc8fc \uba74\uc81c \ud55c\ub3c4 (CPLR \u00a7 5205, \u00a7 5206 \/ Debtor and Creditor Law)<\/h2>\n

\ub274\uc695\uc740 \uc5f0\ubc29\ubcf4\ub2e4 \uc8fc\ud0dd \ubcf4\ud638\uac00 \ub9e4\uc6b0 \uac15\ud569\ub2c8\ub2e4. NY Homestead Exemption<\/strong>: NYC\u00b7Long Island\u00b7Westchester $204,825<\/strong>, \uadf8 \uc678 \uce74\uc6b4\ud2f0 \uc57d $102,400 (Albany\u00b7Buffalo \ub4f1). \ucc28\ub7c9 \uba74\uc81c<\/strong>: $4,825 (\uc7a5\uc560\uc778 \ucc28\ub7c9\uc740 $11,975\uae4c\uc9c0). 401(k)\u00b7IRA\ub294 \uc5f0\ubc29\uacfc \uac19\uc774 \ubcf4\ud638\ub429\ub2c8\ub2e4.<\/p>\n

\ub274\uc800\uc9c0 \uc8fc \uba74\uc81c \ud55c\ub3c4<\/h2>\n

NJ \uc8fc \uba74\uc81c\ub294 \uc5f0\ubc29 \uba74\uc81c\uc5d0 \ube44\ud574 \uc0c1\ub2f9\ud788 \ub0ae\uc544 \uc77c\ubc18\uc801\uc73c\ub85c \ud65c\uc6a9\ub3c4\uac00 \ub5a8\uc5b4\uc9d1\ub2c8\ub2e4. NJ \uac70\uc8fc\uc790 \ub300\ubd80\ubd84\uc740 \ubcf4\ud638 \ud55c\ub3c4\uac00 \ub354 \ub192\uc740 \uc5f0\ubc29 \uba74\uc81c\ub97c \uc120\ud0dd\ud569\ub2c8\ub2e4. \ub2e8 \uc77c\ubd80 \ud2b9\uc218 \uc0c1\ud669\uc5d0\uc11c\ub294 \uc8fc \uba74\uc81c\uac00 \uc720\ub9ac\ud560 \uc218 \uc788\uc5b4 \uc1a1\ub85c\ud38c\uc774 \uc0ac\ub840\ubcc4\ub85c \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n

\ud55c\uad6d \uc790\uc0b0\uc740 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ud558\ub098\uc694?<\/h2>\n

\ud55c\uad6d\uc5d0 \uc788\ub294 \uc790\uc0b0(\ubd80\ub3d9\uc0b0, \uc740\ud589 \uacc4\uc88c)\ub3c4 \ud30c\uc0b0 \uc2e0\uccad\uc11c\uc5d0 \ubc18\ub4dc\uc2dc \uc2e0\uace0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2e0\uace0 \ub204\ub77d\uc740 \uba74\ucc45 \uac70\ubd80 \ub610\ub294 \ud615\uc0ac \ucc98\ubc8c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\uad6d \uc790\uc0b0\uc740 \ubbf8\uad6d \uba74\uc81c \ud55c\ub3c4 \uc801\uc6a9\uc744 \ubc1b\uc9c0 \ubabb\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\ubbc0\ub85c \uc1a1\ub85c\ud38c\uc740 \uc0ac\uc804 \uc2e0\uace0\u00b7\ud3c9\uac00 \uc808\ucc28\ub97c \ubcc4\ub3c4\ub85c \uc548\ub0b4\ud569\ub2c8\ub2e4.<\/p>\n

FAQ<\/h2>\n

Q. NJ\uc5d0\uc11c NY\ub85c \uc774\uc0ac\ud55c \uc9c1\ud6c4 \uc2e0\uccad\ud574\ub3c4 NY \uba74\uc81c\ub97c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub098\uc694?<\/h3>\n

\uc544\ub2c8\uc694. 11 U.S.C. \u00a7 522(b)(3)(A)\ub294 “\uc2e0\uccad \uc9c1\uc804 730\uc77c \uc911 \ub354 \uc624\ub798 \uac70\uc8fc\ud55c \uc8fc\uc758 \uba74\uc81c\ubc95”\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4. NY \uba74\uc81c\ub97c \ubc1b\uc73c\ub824\uba74 NY\uc5d0 730\uc77c \uc774\uc0c1 \uac70\uc8fc\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774 \uae30\uac04\uc744 \ucda9\uc871\ud558\uc9c0 \ubabb\ud558\uba74 \uc5f0\ubc29 \uba74\uc81c\ub9cc \uc120\ud0dd \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n

Q. \ubd80\ubd80 \uacf5\ub3d9 \uc2e0\uccad \uc2dc \uba74\uc81c \ud55c\ub3c4\uac00 \ub450 \ubc30\uc778\uac00\uc694?<\/h3>\n

\uc5f0\ubc29 \uba74\uc81c\ub294 \ub450 \ubc30 \uc801\uc6a9\ub429\ub2c8\ub2e4 (Homestead $55,800). NY \uba74\uc81c\ub294 \uc77c\ubd80 \ud56d\ubaa9\ub9cc \ub450 \ubc30 (Homestead\ub294 \ub3d9\uc77c \ud55c\ub3c4, \ucc28\ub7c9\uc740 \ubcc4\ub3c4). \uc815\ud655\ud55c \ube44\uad50\ub294 \uc1a1\ub85c\ud38c\uc774 \uc0ac\ub840\ubcc4 \uc2dc\ubbac\ub808\uc774\uc158\uc73c\ub85c \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n

\uc1a1\ub85c\ud38c\uc758 \uc57d\uc18d<\/h2>\n

\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

\ubb34\ub8cc \uc0c1\ub2f4 \uc548\ub0b4<\/h2>\n
  • \ud83d\udcde (201) 461-0031<\/strong> (\uc6d4~\uae08 09:00~18:00 ET)<\/li>
  • \u2709\ufe0f mail@songlawfirm.com<\/strong><\/li>
  • \ud83d\udcac \uce74\uce74\uc624\ud1a1 Song Law Firm<\/strong><\/li>
  • \ud83c\udf10 www.songlawfirm.com<\/strong><\/li><\/ul>\n

    \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":"

    \ud30c\uc0b0 \uc2e0\uccad \uc2dc \uac00\uc7a5 \ud070 \uad00\uc2ec\uc0ac\ub294 “\ub0b4 \uc790\uc0b0\uc774 \uc5b4\ub514\uae4c\uc9c0 \ubcf4\ud638\ub418\ub294\uac00”\uc785\ub2c8\ub2e4. \ubbf8\uad6d \ud30c\uc0b0\ubc95(11 U.S.C. \u00a7 522)\uc740 \uc2e0\uccad\uc778\uc774 \uc77c\uc815\ud55c \uc790\uc0b0\uc744 \uba74\uc81c(Exempt)\ub85c \ubd84\ub958\ud574 \ubcf4\ud638\ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uaddc\uc815\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0 \uac70\uc8fc\uc790\ub294 \uc5f0\ubc29 \uba74\uc81c \ub610\ub294 NJ […]<\/p>\n","protected":false},"author":7,"featured_media":26117,"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":[3358,4108,4110,4111,4113,4112],"class_list":["post-26060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category--columns","tag-401k","tag-homestead","tag-nj-exemption","tag-ny-exemption","tag-4113","tag-4112"],"yoast_head":"\nNJ\u00b7NY \ud30c\uc0b0 \uba74\uc81c(Exemption) \ud55c\ub3c4 \u2014 \ub0b4 \uc9d1\u00b7\ucc28\u00b7\ud1f4\uc9c1\uae08\uc740 \uc548\uc804\ud55c\uac00? - \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\/nj-ny-%ed%8c%8c%ec%82%b0-%eb%a9%b4%ec%a0%9c-%ed%95%9c%eb%8f%84-%ec%a3%bc%ed%83%9d-%ec%b0%a8%eb%9f%89-%ed%87%b4%ec%a7%81%ea%b8%88-%eb%b3%b4%ed%98%b8\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NJ\u00b7NY \ud30c\uc0b0 \uba74\uc81c(Exemption) \ud55c\ub3c4 \u2014 \ub0b4 \uc9d1\u00b7\ucc28\u00b7\ud1f4\uc9c1\uae08\uc740 \uc548\uc804\ud55c\uac00?\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. 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