{"id":26078,"date":"2026-06-18T08:40:00","date_gmt":"2026-06-18T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26078"},"modified":"2026-06-10T22:10:59","modified_gmt":"2026-06-11T02:10:59","slug":"%ed%95%9c%ec%9d%b8-%ec%a3%bc%ed%83%9d-%ec%86%8c%ec%9c%a0%ec%9e%90-foreclosure-%eb%b0%a9%ec%96%b4-chapter-13","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ed%95%9c%ec%9d%b8-%ec%a3%bc%ed%83%9d-%ec%86%8c%ec%9c%a0%ec%9e%90-foreclosure-%eb%b0%a9%ec%96%b4-chapter-13\/","title":{"rendered":"\ud55c\uc778 \uc8fc\ud0dd \uc18c\uc720\uc790\uc758 Foreclosure \ubc29\uc5b4 \u2014 Chapter 13 Repayment Plan (NJ\u00b7NY \uc555\ub958 \uc808\ucc28)"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\ub274\uc800\uc9c0\u00b7\ub274\uc695 \ubaa8\ub450 \uc0ac\ubc95\uc801 \uc555\ub958(Judicial Foreclosure) \uc8fc(state)\ub85c, \ubaa8\uae30\uc9c0 \ucc44\uad8c\uc790\uac00 \uc555\ub958 \uc9c4\ud589\ud558\ub824\uba74 \ubc18\ub4dc\uc2dc \uc8fc \ubc95\uc6d0\uc5d0 \uc18c\uc1a1 \uc81c\uae30\ud574\uc57c \ud569\ub2c8\ub2e4. NJ\ub294 \uccab \ubbf8\ub0a9\ubd80\ud130 \uc57d 9~12\uac1c\uc6d4, <strong>NY\ub294 12~24\uac1c\uc6d4<\/strong>\ub85c NY\uac00 \ub354 \uae38\uc5b4 \ud611\uc0c1\u00b7\uc7ac\uc870\uc815 \uae30\ud68c\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n<h2 class=\"wp-block-heading\">Chapter 13\uc758 \uc790\ub3d9\uc911\uc9c0\uac00 \uc555\ub958\ub97c \uc815\uc9c0\uc2dc\ud0b5\ub2c8\ub2e4<\/h2>\n<p class=\"wp-block-paragraph\">Chapter 13 \uc2e0\uccad \uc989\uc2dc 11 U.S.C. \u00a7 362\uc758 \uc790\ub3d9\uc911\uc9c0 \ubc1c\ud6a8 \u2014 \ubaa8\ub4e0 \ubaa8\uae30\uc9c0 \uc555\ub958 \uc808\ucc28 \uc989\uac01 \uc815\uc9c0. \ub9e4\uac01 \ub2e4\uc74c \ub0a0\uc5d0\ub3c4 \uc801\uc6a9 \uac00\ub2a5. \uc1a1\ub85c\ud38c\uc740 \uc555\ub958 \uc784\ubc15 \uc758\ub8b0\uc778\uc744 \uc704\ud574 \uae34\uae09 \uc2e0\uccad \uc808\ucc28 \uc9c0\uc6d0.<\/p>\n<h2 class=\"wp-block-heading\">\ubd84\ud560 \uc0c1\ud658 \uacc4\ud68d (Repayment Plan)<\/h2>\n<h3 class=\"wp-block-heading\">Cure and Maintain \ubc29\uc2dd<\/h3>\n<p class=\"wp-block-paragraph\">\ubbf8\ub0a9 \ubaa8\uae30\uc9c0(Arrears)\ub97c 3~5\ub144 \ubd84\ud560 \uc0c1\ud658\ud558\uba74\uc11c \ud604\uc7ac \ubaa8\uae30\uc9c0\ub97c \uc815\uc0c1 \ub0a9\ubd80. \uc608: \ubbf8\ub0a9 $30,000 \u2192 60\uac1c\uc6d4 \ub9e4\uc6d4 $500 + \ud604\uc7ac \ubaa8\uae30\uc9c0 \ubcc4\ub3c4 \ub0a9\ubd80. \uacc4\ud68d \uc644\ub8cc \uc2dc \ubbf8\ub0a9 \ud574\uc18c.<\/p>\n<h3 class=\"wp-block-heading\">Lien Strip (Second Mortgage \uc81c\uac70)<\/h3>\n<p class=\"wp-block-paragraph\">\uc8fc\ud0dd \uac00\uce58\uac00 1\uc21c\uc704 \ubaa8\uae30\uc9c0\ubcf4\ub2e4 \ub0ae\uc73c\uba74 2\uc21c\uc704\u00b73\uc21c\uc704 \ubaa8\uae30\uc9c0\ub97c \ubb34\ub2f4\ubcf4 \ucc44\ubb34\ub85c \uc7ac\ubd84\ub958\ud574 \uc77c\ubd80\ub9cc \uc0c1\ud658 \ud6c4 \uba74\ucc45 \uac00\ub2a5. \uc1a1\ub85c\ud38c\uc774 \uac10\uc815\ud3c9\uac00\uc11c \uac80\ud1a0.<\/p>\n<h2 class=\"wp-block-heading\">NJ Loss Mitigation Mediation Program (LMMP)<\/h2>\n<p class=\"wp-block-paragraph\">\ub274\uc800\uc9c0\ub294 \uc0ac\ubc95\uc801 \uc555\ub958 \uc0ac\uac74\uc5d0\uc11c \uc758\ubb34 \uc870\uc815 \ud504\ub85c\uadf8\ub7a8 \uc6b4\uc601. \ubaa8\uae30\uc9c0 \ucc44\uad8c\uc790\uc640 \uc9c1\uc811 \uc870\uc815\uad00 \uc55e\uc5d0\uc11c \ubd84\ud560 \ub0a9\ubd80\u00b7\uc774\uc728 \uc778\ud558\u00b7\ub9cc\uae30 \uc5f0\uc7a5 \ud611\uc758 \uac00\ub2a5. Chapter 13\uacfc \ubcd1\ud589\ud558\uba74 \ub354 \uc720\ub9ac\ud55c \uc870\uac74.<\/p>\n<h2 class=\"wp-block-heading\">NY Mandatory Settlement Conference (CPLR \u00a7 3408)<\/h2>\n<p class=\"wp-block-paragraph\">\ub274\uc695\uc740 NJ\uc640 \ub2ec\ub9ac <strong>CPLR \u00a7 3408\uc5d0 \ub530\ub978 \uc758\ubb34 \ud569\uc758 \ud68c\uc758<\/strong>\ub97c \uc6b4\uc601\ud569\ub2c8\ub2e4. \uc555\ub958 \uc18c\uc1a1 \ucd08\uae30 \ub2e8\uacc4\uc5d0 \ubc95\uc6d0\uc774 \uc870\uc815\uad00 \uc55e\uc5d0\uc11c \ucc44\ubb34\uc790\u00b7\ucc44\uad8c\uc790 \uc591\uce21\uc744 \uc758\ubb34 \ud68c\uc758\uc5d0 \ucd9c\uc11d\uc2dc\ucf1c \uc190\uc2e4 \uc644\ud654 \ubc29\uc548 \ud611\uc758. \uc758\ub8b0\uc778\uc774 \uc801\uadf9 \ucc38\uc5ec\ud558\uba74 \uc555\ub958 \ud68c\ud53c\u00b7\uc7ac\uad6c\uc870\ud654 \uac00\ub2a5\uc131 \ub192\uc544\uc9d0.<\/p>\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n<h3 class=\"wp-block-heading\">Q. Sheriff Sale \uc77c\uc815\uc774 \uc7a1\ud78c \ub4a4\uc5d0\ub3c4 \uac00\ub2a5\ud55c\uac00\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">\uac00\ub2a5\ud569\ub2c8\ub2e4. Chapter 13 \uc2e0\uccad\uc740 Sheriff Sale \uc9c1\uc804\uae4c\uc9c0 \uac00\ub2a5\ud558\uba70 \uc790\ub3d9\uc911\uc9c0\ub85c \ub9e4\uac01\uc774 \uc815\uc9c0\ub429\ub2c8\ub2e4. \ub2e8 \ub9e4\uac01 \uc77c\uc815\uc774 \uc784\ubc15\ud560\uc218\ub85d \uc2dc\uac04 \uc81c\uc57d\uc774 \ucee4 \uc1a1\ub85c\ud38c\uc774 \uae34\uae09 \uc2e0\uccad\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n<h3 class=\"wp-block-heading\">Q. \ubd80\ubd80 \uacf5\ub3d9 \uba85\uc758 \uc8fc\ud0dd, \ud55c \uba85\ub9cc \uc2e0\uccad\ud558\uba74?<\/h3>\n<p class=\"wp-block-paragraph\">\uc8fc\ud0dd \uc790\uccb4\uc5d0\ub294 \ubcf4\ud638 \ud6a8\uacfc \ubbf8\uce58\uc9c0\ub9cc \ube44\uc2e0\uccad \ubc30\uc6b0\uc790\uc5d0\uac8c \ucc44\uad8c\uc790\uac00 \ubcc4\ub3c4 \ucd94\uc2ec \uc9c4\ud589 \uac00\ub2a5. \ubd80\ubd80 \uacf5\ub3d9 \uc2e0\uccad\uc774 \uc77c\ubc18\uc801\uc73c\ub85c \uc548\uc804.<\/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>\ub274\uc800\uc9c0\u00b7\ub274\uc695 \ubaa8\ub450 \uc0ac\ubc95\uc801 \uc555\ub958(Judicial Foreclosure) \uc8fc(state)\ub85c, \ubaa8\uae30\uc9c0 \ucc44\uad8c\uc790\uac00 \uc555\ub958 \uc9c4\ud589\ud558\ub824\uba74 \ubc18\ub4dc\uc2dc \uc8fc \ubc95\uc6d0\uc5d0 \uc18c\uc1a1 \uc81c\uae30\ud574\uc57c \ud569\ub2c8\ub2e4. NJ\ub294 \uccab \ubbf8\ub0a9\ubd80\ud130 \uc57d 9~12\uac1c\uc6d4, NY\ub294 12~24\uac1c\uc6d4\ub85c NY\uac00 \ub354 \uae38\uc5b4 \ud611\uc0c1\u00b7\uc7ac\uc870\uc815 \uae30\ud68c\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. Chapter [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26123,"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":[1626,4176,3481,4178,4181,4180],"class_list":["post-26078","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category--columns","tag-chapter-13-2","tag-cure-and-maintain","tag-foreclosure","tag-nj-lmmp","tag-ny-3408","tag-4180"],"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>\ud55c\uc778 \uc8fc\ud0dd \uc18c\uc720\uc790\uc758 Foreclosure \ubc29\uc5b4 \u2014 Chapter 13 Repayment Plan (NJ\u00b7NY \uc555\ub958 \uc808\ucc28) - \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\/%ed%95%9c%ec%9d%b8-%ec%a3%bc%ed%83%9d-%ec%86%8c%ec%9c%a0%ec%9e%90-foreclosure-%eb%b0%a9%ec%96%b4-chapter-13\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ud55c\uc778 \uc8fc\ud0dd \uc18c\uc720\uc790\uc758 Foreclosure \ubc29\uc5b4 \u2014 Chapter 13 Repayment Plan (NJ\u00b7NY \uc555\ub958 \uc808\ucc28)\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. 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