{"id":26066,"date":"2026-06-14T08:40:00","date_gmt":"2026-06-14T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26066"},"modified":"2026-06-10T22:10:50","modified_gmt":"2026-06-11T02:10:50","slug":"%ec%8b%a0%ec%9a%a9%ec%b9%b4%eb%93%9c-%ec%b1%84%eb%ac%b4-%ed%8c%8c%ec%82%b0-%ec%99%b8-%eb%8c%80%ec%95%88-4%ea%b0%80%ec%a7%80","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ec%8b%a0%ec%9a%a9%ec%b9%b4%eb%93%9c-%ec%b1%84%eb%ac%b4-%ed%8c%8c%ec%82%b0-%ec%99%b8-%eb%8c%80%ec%95%88-4%ea%b0%80%ec%a7%80\/","title":{"rendered":"\uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34\uac00 \uc313\uc600\uc744 \ub54c \ud30c\uc0b0 \uc678 \ub300\uc548 4\uac00\uc9c0 (NJ\u00b7NY \uc2dc\ud6a8 \ubd84\uc11d \ud3ec\ud568)"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\ud55c\uc778 \uc758\ub8b0\uc778 \uc911 \ub2e4\uc218\uac00 \uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34 \ub204\uc801\uc73c\ub85c \uc1a1\ub85c\ud38c\uc5d0 \uc0c1\ub2f4\uc744 \uc694\uccad\ud558\uc2ed\ub2c8\ub2e4. \ud30c\uc0b0\uc740 \uac15\ub825\ud55c \ub3c4\uad6c\uc774\uc9c0\ub9cc \uc2e0\uc6a9\uc5d0 7~10\ub144 \uc601\ud5a5\uc744 \ubbf8\uce58\ubbc0\ub85c, \uc1a1\ub85c\ud38c\uc740 \ud56d\uc0c1 \ud30c\uc0b0 \uc678 \ub300\uc548\uc744 \uba3c\uc800 \uac80\ud1a0\ud569\ub2c8\ub2e4.<\/strong><\/p>\n<h2 class=\"wp-block-heading\">\ub300\uc548 1 \u2014 \ucc44\uad8c\uc790 \uc9c1\uc811 \ud611\uc0c1 (Debt Settlement)<\/h2>\n<p class=\"wp-block-paragraph\">\uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34\uac00 \uc77c\uc815 \uae30\uac04 \uc5f0\uccb4\ub41c \uacbd\uc6b0 \ucc44\uad8c\uc790\ub294 \uc6d0\uae08\uc758 40~60% \uc218\uc900 \uc77c\uc2dc \ud569\uc758\ub97c \ubc1b\uc544\ub4e4\uc774\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc740 \uc758\ub8b0\uc778 \ub300\uc2e0 \uc11c\uba74 \ud569\uc758\uc11c\ub97c \ubc1b\uc544\ub0b4\uace0 \ud569\uc758 \ud6c4 \uc2e0\uc6a9 \ud68c\ubcf5 \uc808\ucc28\ub97c \uc548\ub0b4\ud569\ub2c8\ub2e4. \uba74\uc81c\ub41c \ucc44\ubb34\ub294 1099-C\ub85c \uacfc\uc138 \ub300\uc0c1\uc774 \ub420 \uc218 \uc788\uc5b4 \uc138\ubb34 \uc601\ud5a5\uae4c\uc9c0 \uac80\ud1a0.<\/p>\n<h2 class=\"wp-block-heading\">\ub300\uc548 2 \u2014 \ucc44\ubb34 \ud1b5\ud569 \ub300\ucd9c (Debt Consolidation Loan)<\/h2>\n<p class=\"wp-block-paragraph\">\uc5ec\ub7ec \uc2e0\uc6a9\uce74\ub4dc\ub97c \ub2e8\uc77c \uc800\uae08\ub9ac \ub300\ucd9c\ub85c \ud1b5\ud569. \uc2e0\uc6a9\uc810\uc218 \uc77c\uc815 \uc774\uc0c1 + \ub2f4\ubcf4(\uc8fc\ud0dd \uc9c0\ubd84) \ud544\uc694\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc544 \ubaa8\ub450\uc5d0\uac8c \uc801\uc6a9 \uac00\ub2a5\ud55c \uc635\uc158\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">\ub300\uc548 3 \u2014 \uc2e0\uc6a9 \uc0c1\ub2f4 \uae30\uad00(CCA) \ucc44\ubb34\uad00\ub9ac\uacc4\ud68d(DMP)<\/h2>\n<p class=\"wp-block-paragraph\">\ube44\uc601\ub9ac \uc2e0\uc6a9 \uc0c1\ub2f4 \uae30\uad00\uacfc 3~5\ub144 \ubd84\ud560 \uc0c1\ud658 \uacc4\ud68d. \uc774\uc790\uc728 \uc778\ud558\u00b7\uc5f0\uccb4\ub8cc \uba74\uc81c \uac00\ub2a5\ud558\ub098 \ubaa8\ub4e0 \ucc44\uad8c\uc790\uac00 \ub3d9\uc758\ud574\uc57c \ud6a8\uacfc \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">\ub300\uc548 4 \u2014 \ucc44\ubb34 \uc2dc\ud6a8 \ud65c\uc6a9<\/h2>\n<p class=\"wp-block-paragraph\"><strong>\ub274\uc800\uc9c0 (N.J.S.A. 2A:14-1):<\/strong> \uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34 \uc18c\uc1a1 \uc2dc\ud6a8 6\ub144.<br><strong>\ub274\uc695 (CPLR \u00a7 213):<\/strong> \uc2dc\ud6a8 6\ub144 (\ub2e8, 2022\ub144 CCFA \uc2dc\ud589\uc73c\ub85c \ucc44\uad8c \uc591\ub3c4 \ud6c4 \uc2dc\ud6a8 \uc5f0\uc7a5 \ubd88\uac00).<br>\uc2dc\ud6a8 \uc784\ubc15 \ucc44\ubb34\ub294 \uc18c\uc1a1 \uac00\ub2a5\uc131\uc744 \uba74\ubc00\ud788 \uac80\ud1a0\ud574 \uc804\ub7b5\uc801\uc73c\ub85c \ub300\uc751. \ub9c8\uc9c0\ub9c9 \uacb0\uc81c\u00b7\uc778\uc815 \ud589\uc704\ub85c \uc2dc\ud6a8\uac00 \ub2e4\uc2dc \uc2dc\uc791\ub420 \uc218 \uc788\uc5b4 \uc804\ubb38\uac00 \uac80\ud1a0 \ud544\uc218.<\/p>\n<h2 class=\"wp-block-heading\">\uc5b8\uc81c \ud30c\uc0b0\uc774 \ub354 \ub098\uc740 \uc120\ud0dd\uc778\uac00\uc694?<\/h2>\n<p class=\"wp-block-paragraph\">(1) \ucd1d \ubb34\ub2f4\ubcf4 \ucc44\ubb34\uac00 \uc5f0 \uc18c\ub4dd\uc758 50% \ucd08\uacfc, (2) \ucc44\uad8c\uc790\uac00 \uc774\ubbf8 \uc18c\uc1a1 \uc81c\uae30 \ub610\ub294 \uc784\uae08 \uc555\ub958 \ud1b5\uc9c0 \ub3c4\ucc29, (3) \uc758\ub8cc\ube44\u00b7\uc2e4\uc9c1 \ub4f1 \ub2e8\uae30 \ud68c\ubcf5 \uc5b4\ub824\uc6c0, (4) \uc2e0\uc6a9\uce74\ub4dc \uc678 \uc758\ub8cc\ube44\u00b7\uac1c\uc778 \ub300\ucd9c \ud568\uaed8 \uc313\uc784.<\/p>\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n<h3 class=\"wp-block-heading\">Q. \ud55c\uad6d \uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34\ub294 \ubbf8\uad6d \ud30c\uc0b0\uc73c\ub85c \uba74\ucc45\ub418\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">\ud55c\uad6d \ubc1c\uae09 \uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34\ub3c4 \ubbf8\uad6d \ud30c\uc0b0\ubc95\uc0c1 \ubb34\ub2f4\ubcf4 \ucc44\ubb34\ub85c \ubd84\ub958\ub418\uc5b4 Chapter 7\uc5d0\uc11c \uba74\ucc45 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub2e8, \ud55c\uad6d \ucc44\uad8c\uc790\uc5d0 \ub300\ud55c \uc9d1\ud589\uc740 \ubcc4\uac1c \ubb38\uc81c\ub85c, \ud55c\uad6d \uc790\uc0b0\uc774 \uc788\uc73c\uc2dc\uba74 \ud55c\uad6d \ubcc0\ud638\uc0ac \ud611\uc5c5\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\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 \uc911 \ub2e4\uc218\uac00 \uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34 \ub204\uc801\uc73c\ub85c \uc1a1\ub85c\ud38c\uc5d0 \uc0c1\ub2f4\uc744 \uc694\uccad\ud558\uc2ed\ub2c8\ub2e4. \ud30c\uc0b0\uc740 \uac15\ub825\ud55c \ub3c4\uad6c\uc774\uc9c0\ub9cc \uc2e0\uc6a9\uc5d0 7~10\ub144 \uc601\ud5a5\uc744 \ubbf8\uce58\ubbc0\ub85c, \uc1a1\ub85c\ud38c\uc740 \ud56d\uc0c1 \ud30c\uc0b0 \uc678 \ub300\uc548\uc744 \uba3c\uc800 \uac80\ud1a0\ud569\ub2c8\ub2e4. \ub300\uc548 1 \u2014 \ucc44\uad8c\uc790 \uc9c1\uc811 \ud611\uc0c1 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26119,"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":[4135,4136,4133,4131,4132,4134],"class_list":["post-26066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category--columns","tag-nj-","tag-ny-","tag-4133","tag-4131","tag-4132","tag-4134"],"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>\uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34\uac00 \uc313\uc600\uc744 \ub54c \ud30c\uc0b0 \uc678 \ub300\uc548 4\uac00\uc9c0 (NJ\u00b7NY \uc2dc\ud6a8 \ubd84\uc11d \ud3ec\ud568) - \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 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