{"id":26069,"date":"2026-06-15T08:40:00","date_gmt":"2026-06-15T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26069"},"modified":"2026-06-10T22:10:52","modified_gmt":"2026-06-11T02:10:52","slug":"%ec%9d%98%eb%a3%8c%eb%b9%84-%ec%b1%84%eb%ac%b4-%ed%8c%8c%ec%82%b0-%ed%95%9c%ec%9d%b8-%ed%99%98%ec%9e%90","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ec%9d%98%eb%a3%8c%eb%b9%84-%ec%b1%84%eb%ac%b4-%ed%8c%8c%ec%82%b0-%ed%95%9c%ec%9d%b8-%ed%99%98%ec%9e%90\/","title":{"rendered":"\uc758\ub8cc\ube44 \ucc44\ubb34\uc640 \ud30c\uc0b0 \u2014 \ud55c\uc778 \ud658\uc790\uac00 \uc54c\uc544\uc57c \ud560 \ud575\uc2ec (NJ Charity Care \u00b7 NY Hospital Financial Assistance)"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\ubbf8\uad6d \uc758\ub8cc\ube44 \ucc44\ubb34\ub294 \ub2e4\ub978 \ucc44\ubb34\uc640 \ub2e4\ub978 \ud2b9\uc9d5\uc744 \uac00\uc9d1\ub2c8\ub2e4. \ub2e8\uc77c \uc751\uae09 \uc218\uc220\ub85c \uc218\ub9cc \ub2ec\ub7ec \uccad\uad6c\uc11c\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc73c\uba70, \ud55c\uc778 \uc758\ub8b0\uc778 \uc911 \ubcf4\ud5d8 \uacf5\ubc31\u00b7\uc790\uc601\uc5c5\u00b7\uc0c8 \uc774\uc8fc \uac00\uc871 \ub4f1\uc774 \ud2b9\ud788 \ucde8\uc57d\ud569\ub2c8\ub2e4. \ub2e4\ud589\ud788 \uc758\ub8cc\ube44 \ucc44\ubb34\ub294 \ubbf8\uad6d \ud30c\uc0b0\ubc95\uc0c1 \ubb34\ub2f4\ubcf4 \uc77c\ubc18 \ucc44\ubb34\ub85c \ubd84\ub958\ub418\uc5b4 Chapter 7\uc5d0\uc11c \uc804\uc561 \uba74\ucc45 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/strong><\/p>\n<h2 class=\"wp-block-heading\">\uc635\uc158 1 \u2014 NJ \uc790\uc120 \ucf00\uc5b4 (Charity Care)<\/h2>\n<p class=\"wp-block-paragraph\">\ub274\uc800\uc9c0 \ub300\ubd80\ubd84 \ubcd1\uc6d0\uc740 N.J.A.C. 10:52-11\uc5d0 \ub530\ub77c \uc790\uc120 \ucf00\uc5b4 \ud504\ub85c\uadf8\ub7a8 \uc81c\uacf5. \uac00\uad6c \uc18c\ub4dd \uc5f0\ubc29 \ube48\uace4\uc120 200% \uc774\ud558\ub294 \uc804\uc561 \ubb34\ub8cc, 300% \uc774\ud558 \uc2ac\ub77c\uc774\ub529 \uc2a4\ucf00\uc77c \ud560\uc778.<\/p>\n<h2 class=\"wp-block-heading\">\uc635\uc158 2 \u2014 NY \ubcd1\uc6d0 \uc7ac\uc815 \uc9c0\uc6d0 (Hospital Financial Assistance Act)<\/h2>\n<p class=\"wp-block-paragraph\">\ub274\uc695\uc740 <strong>2007\ub144 \uc2dc\ud589 Hospital Financial Assistance Law (Public Health Law \u00a7 2807-k)<\/strong>\uc5d0 \ub530\ub77c \uc758\ub8cc\ube44 \ubcf4\ud638\uac00 \ub354 \uac15\ud569\ub2c8\ub2e4. \uac00\uad6c \uc18c\ub4dd \ube48\uace4\uc120 300% \uc774\ud558\uc778 NY \uac70\uc8fc\uc790\ub294 \uc751\uae09\u00b7\ud544\uc218 \uc758\ub8cc\ube44\ub97c \uc2dc\ud310 \uc218\uac00\uc758 \uc77c\uc815 \ud55c\ub3c4(\ubcf4\ud1b5 Medicare \uc218\uac00) \ub0b4\ub85c \uccad\uad6c \uc81c\ud55c\ubc1b\uc2b5\ub2c8\ub2e4. 2022\ub144 NY \uc758\ub8cc\ube44 \ucc44\ubb34 \ubcf4\ud638\ubc95 \uac15\ud654\ub85c \uc758\ub8cc\ube44 \ucc44\ubb34 \uc2e0\uace0 \ud6c4 \uc2e0\uc6a9\ubcf4\uace0 7\ub144\u21923\ub144 \ub2e8\ucd95.<\/p>\n<h2 class=\"wp-block-heading\">\uc635\uc158 3 \u2014 Chapter 7 \uba74\ucc45<\/h2>\n<p class=\"wp-block-paragraph\">\uc758\ub8cc\ube44 \uc678 \ub2e4\ub978 \ubb34\ub2f4\ubcf4 \ucc44\ubb34 \ud568\uaed8 \uc313\uc600\uace0 Means Test \ud1b5\uacfc \uc2dc Chapter 7\ub85c \ubaa8\ub4e0 \ubb34\ub2f4\ubcf4 \ucc44\ubb34(\uc758\ub8cc\ube44 \ud3ec\ud568) \uba74\ucc45. \uc2e0\uccad \ud6c4 \uc57d 4~6\uac1c\uc6d4 \ub0b4 \uba74\ucc45 \uba85\ub839 \ubc1c\ubd80.<\/p>\n<h2 class=\"wp-block-heading\">\uc635\uc158 4 \u2014 Chapter 13 \uc7ac\uc870\uc815<\/h2>\n<p class=\"wp-block-paragraph\">\ubcf4\ud638\ud558\uace0 \uc2f6\uc740 \uc790\uc0b0(\uc8fc\ud0dd\u00b7\uc790\ub3d9\ucc28) \uc788\uace0 \uc548\uc815 \uc18c\ub4dd\uc774\uba74 Chapter 13\uc73c\ub85c \uc758\ub8cc\ube44\ub97c \ub2e4\ub978 \ubb34\ub2f4\ubcf4 \ucc44\ubb34\uc640 \ud568\uaed8 3~5\ub144 \ubd80\ubd84 \uc0c1\ud658. \uba74\ucc45 \ube44\uc728\uc740 \uac00\ucc98\ubd84 \uc18c\ub4dd\uc5d0 \ub530\ub77c \uacb0\uc815.<\/p>\n<h2 class=\"wp-block-heading\">\ud55c\uc778 \ud658\uc790\uac00 \uc790\uc8fc \ub193\uce58\ub294 \uad8c\ub9ac (FDCPA 15 U.S.C. \u00a7 1692)<\/h2>\n<p class=\"wp-block-paragraph\">\ucc44\uad8c\ucd94\uc2ec\uc790\ub294 \ub2e4\uc74c\uc744 \ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. (1) \uc9c1\uc7a5\u00b7\uac00\uc871\uc5d0\uac8c \ucc44\ubb34 \uacf5\uac1c, (2) \ud611\ubc15\u00b7\uc695\uc124\u00b7\ubc18\ubcf5 \uc804\ud654, (3) \uac70\uc9d3 \uc815\ubcf4 \uc81c\uacf5, (4) \ud569\uc758 \uc5c6\ub294 \uc784\uae08 \uc555\ub958. \uce68\ud574 \uc2dc \uc190\ud574\ubc30\uc0c1 \uccad\uad6c\ub3c4 \uac00\ub2a5.<\/p>\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n<h3 class=\"wp-block-heading\">Q. \ubcf4\ud5d8\uc0ac \ubd80\ub2f9 \uac70\uc808\ub3c4 \ud568\uaed8 \ub2e4\ud22c\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">\ub124. \uc758\ub8cc\ube44 \ucc44\ubb34\uac00 \ubcf4\ud5d8\uc0ac \ubd80\ub2f9 \uac70\uc808\uc5d0\uc11c \ube44\ub86f\ub41c \uacbd\uc6b0 \ubcf4\ud5d8\uc0ac \uc0c1\ub300 \ubcc4\ub3c4 \ud56d\uc18c\u00b7\uc18c\uc1a1\ub3c4 \ud568\uaed8 \uac80\ud1a0. \ubcf4\ud5d8 \uc801\uc6a9 \uc778\uc815\ub418\uba74 \uc758\ub8cc\ube44 \uc790\uccb4\uac00 \uc0ac\ub77c\uc9c0\ubbc0\ub85c \uac00\uc7a5 \uc774\uc0c1\uc801.<\/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>\ubbf8\uad6d \uc758\ub8cc\ube44 \ucc44\ubb34\ub294 \ub2e4\ub978 \ucc44\ubb34\uc640 \ub2e4\ub978 \ud2b9\uc9d5\uc744 \uac00\uc9d1\ub2c8\ub2e4. \ub2e8\uc77c \uc751\uae09 \uc218\uc220\ub85c \uc218\ub9cc \ub2ec\ub7ec \uccad\uad6c\uc11c\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc73c\uba70, \ud55c\uc778 \uc758\ub8b0\uc778 \uc911 \ubcf4\ud5d8 \uacf5\ubc31\u00b7\uc790\uc601\uc5c5\u00b7\uc0c8 \uc774\uc8fc \uac00\uc871 \ub4f1\uc774 \ud2b9\ud788 \ucde8\uc57d\ud569\ub2c8\ub2e4. \ub2e4\ud589\ud788 \uc758\ub8cc\ube44 \ucc44\ubb34\ub294 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26120,"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":[4144,4145,4150,4148,4149],"class_list":["post-26069","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category--columns","tag-charity-care","tag-hospital-aid","tag-4150","tag-4148","tag-4149"],"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>\uc758\ub8cc\ube44 \ucc44\ubb34\uc640 \ud30c\uc0b0 \u2014 \ud55c\uc778 \ud658\uc790\uac00 \uc54c\uc544\uc57c \ud560 \ud575\uc2ec (NJ Charity Care \u00b7 NY Hospital Financial Assistance) - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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