{"id":26063,"date":"2026-06-13T08:40:00","date_gmt":"2026-06-13T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26063"},"modified":"2026-06-10T22:10:48","modified_gmt":"2026-06-11T02:10:48","slug":"means-test-chapter-7-%ec%9e%90%ea%b2%a9-%ed%86%b5%ea%b3%bc-%ec%a0%84%eb%9e%b5","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/means-test-chapter-7-%ec%9e%90%ea%b2%a9-%ed%86%b5%ea%b3%bc-%ec%a0%84%eb%9e%b5\/","title":{"rendered":"Means Test \ud1b5\uacfc \uc804\ub7b5 \u2014 Chapter 7 \uc790\uaca9 \uc694\uac74 (NJ\u00b7NY \uc911\uc704 \uc18c\ub4dd \uae30\uc900)"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>2005\ub144 BAPCPA\ub85c \ub3c4\uc785\ub41c Means Test(11 U.S.C. \u00a7 707(b))\ub294 Chapter 7 \uc2e0\uccad \ub0a8\uc6a9\uc744 \ubc29\uc9c0\ud569\ub2c8\ub2e4. \uc77c\uc815 \uc18c\ub4dd \uc774\uc0c1\uc758 \uc2e0\uccad\uc778\uc740 Chapter 7 \ub300\uc2e0 Chapter 13\uc73c\ub85c \uc7ac\uc870\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.<\/strong><\/p>\n<h2 class=\"wp-block-heading\">Means Test 2\ub2e8\uacc4 \uad6c\uc870<\/h2>\n<h3 class=\"wp-block-heading\">1\ub2e8\uacc4 \u2014 \uac00\uad6c \uc18c\ub4dd\uacfc \uc8fc \uc911\uc704 \uc18c\ub4dd \ube44\uad50<\/h3>\n<p class=\"wp-block-paragraph\">\uc2e0\uccad \uc9c1\uc804 6\uac1c\uc6d4\uac04 \ud3c9\uade0 \uac00\uad6c \uc18c\ub4dd\uc744 \uc5f0 \uc18c\ub4dd\uc73c\ub85c \ud658\uc0b0\ud574 \uac70\uc8fc \uc8fc\uc758 \uac00\uad6c\uc6d0 \uc218\ubcc4 \uc911\uc704 \uc18c\ub4dd\uacfc \ube44\uad50\ud569\ub2c8\ub2e4. \uc774\ud558\uba74 \ud1b5\uacfc, \ucd08\uacfc\uba74 2\ub2e8\uacc4 \uc9c4\uc785.<\/p>\n<h3 class=\"wp-block-heading\">2\ub2e8\uacc4 \u2014 \uac00\ucc98\ubd84 \uc18c\ub4dd(Disposable Income) \uacc4\uc0b0<\/h3>\n<p class=\"wp-block-paragraph\">IRS \ud45c\uc900 \uc0dd\ud65c\ube44(National\u00b7Local Standards), \uc2e4\uc81c \ucc44\ubb34 \uc0c1\ud658\uc561, \uc138\uae08 \ub4f1\uc744 \uacf5\uc81c\ud55c \uac00\ucc98\ubd84 \uc18c\ub4dd\uc774 \ud55c\ub3c4 \uc774\ud558\uba74 Chapter 7 \uc2e0\uccad \uac00\ub2a5.<\/p>\n<h2 class=\"wp-block-heading\">NJ\u00b7NY \uc911\uc704 \uc18c\ub4dd (2026\ub144 \ucd94\uc815)<\/h2>\n<p class=\"wp-block-paragraph\">\uc815\ud655\ud55c \uc218\uce58\ub294 6\uac1c\uc6d4\ub9c8\ub2e4 \uac31\uc2e0\ub418\uc9c0\ub9cc \ub300\ub7b5 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<br><strong>\ub274\uc800\uc9c0:<\/strong> 1\uc778 \uac00\uad6c \uc57d $7\ub9cc, 2\uc778 \uc57d $9\ub9cc, 4\uc778 \uc57d $13\ub9cc<br><strong>\ub274\uc695:<\/strong> 1\uc778 \uac00\uad6c \uc57d $6.8\ub9cc, 2\uc778 \uc57d $8.7\ub9cc, 4\uc778 \uc57d $12.5\ub9cc<br>\ub450 \uc8fc \ubaa8\ub450 \ubbf8\uad6d \uc778\uad6c\uc870\uc0ac\uad6d \uc790\ub8cc \uae30\ubc18\uc73c\ub85c 6\uac1c\uc6d4\ub9c8\ub2e4 \uc870\uc815\ub429\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">\ud55c\uc778 \uc758\ub8b0\uc778\uc774 \uc790\uc8fc \ub193\uce58\ub294 \uacf5\uc81c<\/h2>\n<p class=\"wp-block-paragraph\">(1) <strong>\uc758\ub8cc\ube44<\/strong> \ubcf8\uc778\u00b7\uac00\uc871 \ub9cc\uc131 \uc9c8\ud658 \uce58\ub8cc\ube44\u00b7\ucc98\ubc29\uc57d\u00b7\uc815\uae30 \uac80\uc9c4. (2) <strong>\uc790\ub140 \uc0ac\ub9bd\ud559\uad50\u00b7\ud29c\ud130\ub9c1<\/strong> \ud569\ub9ac\uc801 \uad50\uc721\ube44. (3) <strong>\ubd80\ubaa8 \ubd80\uc591\ube44<\/strong> \ud55c\uad6d \uac70\uc8fc \ubd80\ubaa8 \uc1a1\uae08 (\uc785\uc99d \uc2dc \ubd80\ubd84 \uacf5\uc81c). (4) <strong>\uc885\uad50 \uae30\ubd80<\/strong> \uc815\uae30\uc801 \uc2ed\uc77c\uc870\u00b7\ud5cc\uae08\uc740 11 U.S.C. \u00a7 707(b)(1)\uc5d0 \ub530\ub77c \ud569\ub9ac\uc801 \ubc94\uc704 \ub0b4 \ubcf4\ud638.<\/p>\n<h2 class=\"wp-block-heading\">\uc804\ub7b5\uc801 \uc811\uadfc<\/h2>\n<p class=\"wp-block-paragraph\">Means Test \ud1b5\uacfc \uc5b4\ub824\uc6b4 \uacbd\uc6b0 \uc1a1\ub85c\ud38c\uc740 \ub2e4\uc74c \uc804\ub7b5\uc744 \uac80\ud1a0\ud569\ub2c8\ub2e4. <strong>\uc2e0\uccad \uc2dc\uae30 \uc870\uc815<\/strong> \u2014 \uc77c\uc2dc\uc801 \ubcf4\ub108\uc2a4\uac00 6\uac1c\uc6d4 \ud3c9\uade0\uc744 \ub04c\uc5b4\uc62c\ub838\uc73c\uba74 \uba87 \ub2ec \uc5f0\uae30, <strong>\ubd80\uc591\uac00\uc871 \uc218 \uc7ac\uac80\ud1a0<\/strong> \u2014 \ub3d9\uac70 \ub178\ubd80\ubaa8\u00b7\ubbf8\ud63c \uc790\ub140 \ud3ec\ud568, <strong>Chapter 13 \uc804\ud658<\/strong> \u2014 Means Test \uc2e4\ud328 \uc2dc 3~5\ub144 \ubd84\ud560 \uc0c1\ud658\uc73c\ub85c.<\/p>\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n<h3 class=\"wp-block-heading\">Q. 6\uac1c\uc6d4 \uc804 \ubc1b\uc740 \ud1f4\uc9c1\uae08\ub3c4 \uac00\uad6c \uc18c\ub4dd\uc5d0 \ud3ec\ud568\ub418\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">\uc6d0\uce59\uc801\uc73c\ub85c \ud3ec\ud568\ub429\ub2c8\ub2e4. \ub2e8, 11 U.S.C. \u00a7 101(10A)\ub294 &#8220;\uc815\uae30\uc801\uc73c\ub85c \ubc1b\ub294 \uc218\uc785&#8221;\uc5d0 \ucd08\uc810\uc744 \ub450\ubbc0\ub85c \uc77c\ud68c\uc131 \ud1f4\uc9c1\uae08\uc740 \uc77c\ubd80 \ubc95\uc6d0\uc5d0\uc11c \uc81c\uc678 \uc778\uc815. \uc1a1\ub85c\ud38c\uc774 SDNY\u00b7DNJ \ucd5c\uadfc \ud310\ub840 \uae30\uc900\uc73c\ub85c \uac80\ud1a0\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>2005\ub144 BAPCPA\ub85c \ub3c4\uc785\ub41c Means Test(11 U.S.C. \u00a7 707(b))\ub294 Chapter 7 \uc2e0\uccad \ub0a8\uc6a9\uc744 \ubc29\uc9c0\ud569\ub2c8\ub2e4. \uc77c\uc815 \uc18c\ub4dd \uc774\uc0c1\uc758 \uc2e0\uccad\uc778\uc740 Chapter 7 \ub300\uc2e0 Chapter 13\uc73c\ub85c \uc7ac\uc870\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. Means Test 2\ub2e8\uacc4 \uad6c\uc870 1\ub2e8\uacc4 \u2014 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26118,"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":[4121,1625,4119,4124,4123],"class_list":["post-26063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category--columns","tag-bapcpa","tag-chapter-7-2","tag-means-test","tag-4124","tag-4123"],"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>Means Test \ud1b5\uacfc \uc804\ub7b5 \u2014 Chapter 7 \uc790\uaca9 \uc694\uac74 (NJ\u00b7NY \uc911\uc704 \uc18c\ub4dd \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\/means-test-chapter-7-%ec%9e%90%ea%b2%a9-%ed%86%b5%ea%b3%bc-%ec%a0%84%eb%9e%b5\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Means Test \ud1b5\uacfc \uc804\ub7b5 \u2014 Chapter 7 \uc790\uaca9 \uc694\uac74 (NJ\u00b7NY \uc911\uc704 \uc18c\ub4dd \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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