{"id":28974,"date":"2026-10-09T10:30:00","date_gmt":"2026-10-09T14:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=28974"},"modified":"2026-10-09T10:30:00","modified_gmt":"2026-10-09T14:30:00","slug":"pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/","title":{"rendered":"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95"},"content":{"rendered":"<div class=\"slf-article slf-daily-pi\">\n<p class=\"slf-eyebrow\" style=\"font-size:11px;letter-spacing:.3em;color:#98344A;font-weight:700;margin:0 0 8px;\">PERSONAL INJURY LAW \u00b7 \uc1a1\ub85c\ud38c \ubc95\ub960 \uce7c\ub7fc<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uc0c1\ud669 \uac1c\uc694<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud30c\uc0b0 \uc2e0\uccad \uc911\uc774\uac70\ub098 \uc774\ud63c \uc18c\uc1a1 \uc9c4\ud589 \uc911\uc5d0 \uad50\ud1b5\uc0ac\uace0\ub85c \ub2e4\uccd0 \uc0c1\ub2f9\ud55c \ubc30\uc0c1\uae08\uc744 \ubc1b\uac8c \ub418\ub294 \uc0c1\ud669\uc740 \ub4dc\ubb3c\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 <strong>\ubc30\uc0c1\uae08\uc774 \ub098\uc624\ub294 \uc989\uc2dc<\/strong> \ucc44\uad8c\uc790 \ub610\ub294 \ubc30\uc6b0\uc790\uac00 &quot;\uadf8\uac83\uc740 \ub098\uc758 \ubaab&quot; \uc774\ub77c\uace0 \uc8fc\uc7a5\ud558\uba74 \uc218\uac1c\uc6d4\uc758 \uce58\ub8cc\u00b7\uc18c\uc1a1 \ub300\uac00\uac00 \uc0ac\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ub274\uc800\uc9c0\ubc95\uc740 \uc0ac\uace0 \ud53c\ud574\uc790 \ubcf4\ud638\ub97c \uc704\ud55c \uc5ec\ub7ec \uc7a5\uce58\ub97c \ub450\uace0 \uc788\uc9c0\ub9cc, <strong>\ubc30\uc0c1\uae08\uc744 \ubc1b\uae30 \uc804\ubd80\ud130<\/strong> \uc804\ub7b5\uc744 \uc138\uc6cc\uc57c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\ubc95\ub960\uc801 \uac1c\ub150<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>\ud30c\uc0b0 \uba74\uc81c(Bankruptcy Exemption)<\/strong> \u2014 Chapter 7\u00b713 \uc2e0\uccad \uc2dc \ud2b9\uc815 \uc790\uc0b0\uc744 \ucc44\uad8c\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \uc81c\ub3c4. \uc0ac\uace0 \ubc30\uc0c1\uae08\uc740 <strong>\uc5f0\ubc29 \uba74\uc81c\uc870\ud56d \ub610\ub294 \ub274\uc800\uc9c0 \uc120\ud0dd<\/strong> \uc5d0 \ub530\ub77c \ubcf4\ud638 \ubc94\uc704\uac00 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\"><strong>\uacf5\ub3d9\uc7ac\uc0b0 vs \ud2b9\uc720\uc7ac\uc0b0(Marital vs Separate Property)<\/strong> \u2014 \uc774\ud63c \uc2dc \uc0ac\uace0 \ubc30\uc0c1\uae08\uc774 \ud63c\uc778\uc7ac\uc0b0 \ubd84\ud560 \ub300\uc0c1\uc778\uc9c0, \ud53c\ud574 \ub2f9\uc0ac\uc790\uc758 \ud2b9\uc720\uc7ac\uc0b0\uc778\uc9c0 \ud310\uc815.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\ub274\uc800\uc9c0 \uaddc\uc815<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>\ud30c\uc0b0:<\/strong><\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0\ub294 <strong>\uc5f0\ubc29 \uba74\uc81c(Federal Exemption)\uc640 \uc8fc \uba74\uc81c \uc911 \uc120\ud0dd<\/strong> \uac00\ub2a5\ud55c \uc8fc\uc785\ub2c8\ub2e4. \uc0ac\uace0 \ubc30\uc0c1\uae08\uc740 <strong>11 U.S.C. \u00a7522(d)(11)<\/strong> \uc5d0 \ub530\ub77c \ubcf4\ud638\ub429\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\uac1c\uc778\uc0c1\ud574(Personal Injury) \ubc30\uc0c1 \uc911 <strong>Pain and Suffering \ubd80\ubd84<\/strong>: $27,900\uae4c\uc9c0 \uba74\uc81c (2024\ub144 \uc870\uc815, 2\ub144\ub9c8\ub2e4 \uc0c1\ud5a5)<\/li>\n<li style=\"margin:5px 0;\">\uc18c\ub4dd \uc190\uc2e4(Lost Wages) \ubd80\ubd84: <strong>\uba74\uc81c \uc548 \ub428<\/strong> \u2014 \ucc44\uad8c\uc790\uac00 \uac00\uc838\uac10<\/li>\n<li style=\"margin:5px 0;\">\uc758\ub8cc\ube44(Medical Expenses) \ubcf4\uc0c1 \ubd80\ubd84: <strong>100% \uba74\uc81c<\/strong><\/li>\n<li style=\"margin:5px 0;\">\uc0ac\ub9dd \ubcf4\ud5d8\uae08 \ud53c\ubd80\uc591\uc790 \ubd80\ubd84: \ud53c\ubd80\uc591\uc790 \uc0dd\uacc4 \uc720\uc9c0\uc5d0 \ud544\uc694\ud55c \ubc94\uc704 \uba74\uc81c<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub530\ub77c\uc11c <strong>\ubc30\uc0c1\uae08\uc744 Pain and Suffering vs Lost Wages vs Medical Expenses \ubcc4\ub85c \uba85\ud655\ud788 \ubd84\ub9ac(Allocation)<\/strong> \ud558\ub294 \uac83\uc774 \ud575\uc2ec.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>\uc774\ud63c:<\/strong><\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ub274\uc800\uc9c0\ub294 <strong>\uacf5\ud3c9\ubd84\ubc30(Equitable Distribution)<\/strong> \uc8fc\uc785\ub2c8\ub2e4. N.J.S.A. 2A:34-23.1\uc5d0 \ub530\ub77c \ud63c\uc778\uae30\uac04 \uc911 \ubc1c\uc0dd\ud55c <strong>\ub300\ubd80\ubd84\uc758 \uc790\uc0b0\uc740 \ubd84\ud560 \ub300\uc0c1<\/strong>. \uadf8\ub7ec\ub098 \uc0ac\uace0 \ubc30\uc0c1\uae08\uc740 \ub2e4\uc74c\uacfc \uac19\uc774 \ubd84\ub958:<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>\uace0\ud1b5\u00b7\uc7a5\ud574(Pain and Suffering, Loss of Enjoyment)<\/strong> \ubd80\ubd84: \ud53c\ud574 \ub2f9\uc0ac\uc790\uc758 <strong>\ud2b9\uc720\uc7ac\uc0b0<\/strong> (\ubd84\ud560 \uc548 \ub428, Williams v. Williams \ub4f1)<\/li>\n<li style=\"margin:5px 0;\"><strong>Lost Wages<\/strong>: \ud63c\uc778\uae30\uac04 \uc911 \uc190\uc2e4\ubd84\uc740 <strong>\ud63c\uc778\uc7ac\uc0b0<\/strong> (\ubd84\ud560 \ub300\uc0c1). \ud63c\uc778\uae30\uac04 \uc678 \uc190\uc2e4\ubd84\uc740 \ud2b9\uc720\uc7ac\uc0b0.<\/li>\n<li style=\"margin:5px 0;\"><strong>\uc758\ub8cc\ube44<\/strong>: \ud63c\uc778\uae30\uac04 \uc911 \uc9c0\ubd88\ub41c \uce58\ub8cc\ube44 \ubcc0\uc0c1\uc740 <strong>\ud63c\uc778\uc7ac\uc0b0<\/strong>, \uc774\ud6c4 \uce58\ub8cc\ube44\ub294 <strong>\ud2b9\uc720\uc7ac\uc0b0<\/strong>.<\/li>\n<li style=\"margin:5px 0;\"><strong>\ubc30\uc6b0\uc790\uc758 Loss of Consortium(\ubc30\uc6b0\uc790\uad8c \uc0c1\uc2e4) \uccad\uad6c<\/strong>: \ubc30\uc6b0\uc790\uc758 \ud2b9\uc720\uc7ac\uc0b0.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uc2e4\uc804 \ub300\uc751<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>\ud569\uc758 \uc804\ubd80\ud130 Allocation\uc744 \uc11c\uba74\ud654<\/strong>. \ud569\uc758\uc11c(Settlement Agreement)\uc5d0 &quot;Of the total $X, $A for pain and suffering, $B for lost wages, $C for medical&quot; \uba85\uc2dc. \ubcf4\ud5d8\uc0ac\uac00 \uac70\ubd80\ud558\uba74 \ubcc0\ud638\uc0ac\uac00 <strong>Allocation Letter<\/strong> \ub85c \ubd84\ub9ac \uac00\ub2a5.<\/li>\n<li style=\"margin:5px 0;\"><strong>\ud30c\uc0b0 \uc2e0\uccad \uc804<\/strong> \ubcc0\ud638\uc0ac\u00b7\ud30c\uc0b0 \ubcc0\ud638\uc0ac\u00b7\uc0ac\uace0\uc0c1\ud574 \ubcc0\ud638\uc0ac\uac00 \ud568\uaed8 \uc0c1\ub2f4. Chapter 7 \ud2b8\ub7ec\uc2a4\ud2f0\uac00 Pain and Suffering \uba74\uc81c \ud55c\ub3c4 \ucd08\uacfc\ubd84\uc744 \uac00\uc838\uac00\ub294 \uc0ac\ub840 \ub2e4\uc218.<\/li>\n<li style=\"margin:5px 0;\"><strong>\uc774\ud63c \uc18c\uc1a1 \uc911<\/strong> \uc0ac\uace0 \ubc1c\uc0dd \uc2dc \uc989\uc2dc \uc0ac\uace0\uc0c1\ud574 \ubcc0\ud638\uc0ac\uc5d0\uac8c <strong>\uc774\ud63c \uc9c4\ud589 \uc0c1\ud669 \uacf5\uc9c0<\/strong>. \ubc30\uc0c1\uae08 \uc218\ub839 \uc804 \uc2e0\ud0c1(Trust) \ud65c\uc6a9 \uac00\ub2a5.<\/li>\n<li style=\"margin:5px 0;\"><strong>\uad6c\uc870\uc801 \ud569\uc758(Structured Settlement)<\/strong> \ud65c\uc6a9 \u2014 \uc77c\uc2dc\ubd88\uc774 \uc544\ub2cc \uc815\uae30\uae08(Annuity) \ud615\ud0dc\ub85c \uc218\ub839\ud558\uba74 <strong>\uba74\uc81c \uc801\uc6a9 \ubc0f \ucc44\uad8c\uc790 \uc811\uadfc \ucc28\ub2e8<\/strong> \uc5d0 \uc720\ub9ac.<\/li>\n<li style=\"margin:5px 0;\">\uc0ac\uace0 \ud6c4 \ubc30\uc0c1\uae08\uc744 <strong>\uc77c\ubc18 \uacc4\uc88c\uc5d0 \uc11e\uc9c0 \ub9d0 \uac83(Commingling \uae08\uc9c0)<\/strong>. \uc11e\uc774\uba74 \uacf5\ub3d9\uc7ac\uc0b0\uc73c\ub85c \uc7ac\ubd84\ub958 \ub9ac\uc2a4\ud06c. \ubcc4\ub3c4 \uacc4\uc88c \uac1c\uc124 \uad8c\uc7a5.<\/li>\n<li style=\"margin:5px 0;\">\uc774\ud63c \ud569\uc758\uc11c\uc5d0 &quot;PI settlement is separate property&quot; \uba85\uc2dc\ub85c \ubd84\uc7c1 \uc0ac\uc804 \ucc28\ub2e8.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\ud754\ud55c \uc624\ud574<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">&quot;\ud30c\uc0b0 \uc2e0\uccad \uc804\uc5d0\ub9cc \uc870\uc2ec\ud558\uba74 \ub41c\ub2e4&quot; \u2014 \ud2c0\ub9bd\ub2c8\ub2e4. <strong>\uc2e0\uccad \ud6c4 180\uc77c \ub0b4<\/strong> \ubc1c\uc0dd\ud55c \uc0ac\uace0\ub3c4 Bankruptcy Estate\uc5d0 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4(11 U.S.C. \u00a7541(a)(5)\ub294 \uc0c1\uc18d\u00b7\ubcf4\ud5d8\uae08\ub9cc \uba85\uc2dc\ud558\uc9c0\ub9cc, \ud30c\uc0b0 \ud2b8\ub7ec\uc2a4\ud2f0\uac00 \uc0ac\uace0 \ubc30\uc0c1\ub3c4 \ucd94\uc801).<\/li>\n<li style=\"margin:5px 0;\">&quot;\uc774\ud63c \uc870\uc815\uc774 \ub05d\ub0ac\uc73c\ub2c8 \uc548\uc804\ud558\ub2e4&quot; \u2014 \ud2c0\ub9bd\ub2c8\ub2e4. <strong>\uc870\uc815 \uc774\uc804 \ubc1c\uc0dd\ud55c \uc0ac\uace0<\/strong> \uc758 \ubc30\uc0c1\uae08\uc740 \ud63c\uc778\uc7ac\uc0b0\uc73c\ub85c \ubd84\ub958 \uac00\ub2a5.<\/li>\n<li style=\"margin:5px 0;\">&quot;\ud604\uae08\uc73c\ub85c \ubc1b\uc73c\uba74 \uc544\ubb34\ub3c4 \ubaa8\ub978\ub2e4&quot; \u2014 \uac70\uc9d3\uc774\uba70 <strong>\uc740\ub2c9\uc740 \ubc94\uc8c4<\/strong>. \ud30c\uc0b0 \uc0ac\uae30(Bankruptcy Fraud)\uc640 \uc7ac\uc0b0 \uc740\ub2c9(Dissipation)\uc73c\ub85c \ud615\uc0ac\u00b7\ubbfc\uc0ac \ucc45\uc784.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\ud575\uc2ec \uc815\ub9ac<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud30c\uc0b0\u00b7\uc774\ud63c \uc911 \ubc1b\ub294 \uc0ac\uace0 \ubc30\uc0c1\uae08 \ubcf4\ud638\uc758 \ud575\uc2ec\uc740 <strong>(1) Allocation\uc758 \uc11c\uba74\ud654, (2) \uc0ac\uace0\uc0c1\ud574\u00b7\ud30c\uc0b0\u00b7\uc774\ud63c \uc138 \ubcc0\ud638\uc0ac\uc758 \uc870\uae30 \uc870\uc728, (3) Commingling \uae08\uc9c0, (4) Structured Settlement \ud65c\uc6a9<\/strong> \ub124 \uac00\uc9c0. \ubc30\uc0c1\uae08 <strong>\uc218\ub839 \uc804\ubd80\ud130<\/strong> \uc124\uacc4\ud574\uc57c \ud6a8\uacfc\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">Q: \uc774\ubbf8 Chapter 7\uc744 \uc2e0\uccad\ud588\ub294\ub370 \uadf8 \ud6c4\uc5d0 \uc0ac\uace0\uac00 \ub0ac\uc2b5\ub2c8\ub2e4. \ubcf4\ud638\ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/li>\n<li style=\"margin:5px 0;\">A: \uc2e0\uccad\uc77c \uc774\ud6c4 180\uc77c \ub0b4 \uc0ac\uace0\ub294 Bankruptcy Estate\uc5d0 \ud3ec\ud568 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc989\uc2dc \ud30c\uc0b0 \ubcc0\ud638\uc0ac\uc640 \uc0ac\uace0\uc0c1\ud574 \ubcc0\ud638\uc0ac\uac00 Allocation\uc744 \ud1b5\ud574 Pain and Suffering \ubd80\ubd84\uc744 \ucd5c\ub300 \uba74\uc81c \ubc94\uc704\ub85c \uc62c\ub824\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">Q: \uc774\ud63c \uc18c\uc1a1 \uc911 \uc0ac\uace0\uac00 \ub0ac\uc2b5\ub2c8\ub2e4. \ubc30\uc6b0\uc790\uc5d0\uac8c \uc54c\ub824\uc57c \ud558\ub098\uc694?<\/li>\n<li style=\"margin:5px 0;\">A: Discovery(\uc99d\uac70\uac1c\uc2dc) \uacfc\uc815\uc5d0\uc11c \uc54c\ub824\uc9c0\ubbc0\ub85c \uc228\uae38 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc0ac\uace0 \ud6c4 \uc989\uc2dc <strong>\uc774\ud63c \ubcc0\ud638\uc0ac\uc5d0\uac8c \ud1b5\uc9c0<\/strong> \ud558\uace0 Allocation\uc73c\ub85c \ud2b9\uc720\uc7ac\uc0b0 \ubd80\ubd84\uc744 \ubcf4\ud638\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\">Q: Structured Settlement\uc758 \uc138\uae08 \ud61c\ud0dd\uc740 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/li>\n<li style=\"margin:5px 0;\">A: \ubbf8\uad6d \uc138\ubc95\uc0c1 Personal Injury \ubc30\uc0c1\uc758 Pain and Suffering \ubd80\ubd84\uc740 <strong>\ube44\uacfc\uc138<\/strong>(IRC \u00a7104(a)(2)). Structured Settlement\uc758 \uac01 \uc815\uae30\uae08 \uc9c0\uae09\ub3c4 \ube44\uacfc\uc138\uc774\uba70, Lump sum \ud22c\uc790 \uc218\uc775\uacfc \ub2ec\ub9ac \uc548\uc815\uc801\uc774\uace0 \ubcf4\ud638 \ud6a8\uacfc\uac00 \ud07d\ub2c8\ub2e4.<\/li>\n<\/ul>\n<div class=\"slf-contact-block\" style=\"background:#fafaf7;border-left:4px solid #98344A;padding:24px 26px;margin:36px 0 24px;border-radius:6px;\">\n<p style=\"margin:0 0 8px;font-size:14px;letter-spacing:.2em;color:#98344A;font-weight:700;\">SONG LAW FIRM \u00b7 \uc1a1\ub85c\ud38c<\/p>\n<p style=\"margin:0 0 12px;font-size:18px;color:#1a1a1a;font-weight:700;\">\uad50\ud1b5\uc0ac\uace0\u00b7\uc0ac\uace0\uc0c1\ud574 \uc0c1\ub2f4\uc774 \ud544\uc694\ud558\uc2ed\ub2c8\uae4c?<\/p>\n<p style=\"margin:0;font-size:15px;color:#333;line-height:1.7;\">\n\ud83d\udcde <strong>201.461.0031<\/strong> &nbsp;\u00b7&nbsp; \u2709 <a aria-label=\"Email mail@songlawfirm.com\" href=\"mailto:mail@songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">mail@songlawfirm.com<\/a> &nbsp;\u00b7&nbsp; \ud83c\udf10 <a href=\"https:\/\/songlawfirm.com\/ko\/\" style=\"color:#98344A;text-decoration:none;\">songlawfirm.com<\/a><br \/>\n\ud83d\udccd Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<\/p>\n<\/div>\n<div class=\"slf-disclaimer\" style=\"margin:32px 0 8px;padding:16px 18px;background:#f5f5f2;border:1px solid #e5e5e2;border-radius:4px;font-size:12.5px;line-height:1.65;color:#555;\">\n<strong style=\"color:#333;\">\uba74\ucc45 \uace0\uc9c0<\/strong> \u00b7 \ubcf8 \uce7c\ub7fc\uc740 \ub274\uc800\uc9c0\u00b7\ub274\uc695 \uc0ac\uace0\uc0c1\ud574\ubc95\uc5d0 \uad00\ud55c \uc77c\ubc18 \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uba70, \uac1c\ubcc4 \uc0ac\uac74\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubc95\ub960\u00b7\uaddc\uc815\u00b7\ud310\ub840\ub294 \uc218\uc2dc\ub85c \ubcc0\uacbd\ub418\ubbc0\ub85c \uc2dc\uc810\uc5d0 \ub530\ub77c \ub0b4\uc6a9\uc774 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. NJ Rules of Professional Conduct 7.1\uc5d0 \ub530\ub77c \uc774 \uc790\ub8cc\uc758 \uac8c\uc7ac\ub294 \ubcc0\ud638\uc0ac\u2013\uc758\ub8b0\uc778 \uad00\uacc4\ub97c \ud615\uc131\ud558\uc9c0 \uc54a\uc73c\uba70, \uad6c\uccb4\uc801 \uc0ac\uac74\uc740 \ubc18\ub4dc\uc2dc \uc790\uaca9\uc744 \uac16\ucd98 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95\", \"description\": \"\uc0c1\ud669 \uac1c\uc694 \ud30c\uc0b0 \uc2e0\uccad \uc911\uc774\uac70\ub098 \uc774\ud63c \uc18c\uc1a1 \uc9c4\ud589 \uc911\uc5d0 \uad50\ud1b5\uc0ac\uace0\ub85c \ub2e4\uccd0 \uc0c1\ub2f9\ud55c \ubc30\uc0c1\uae08\uc744 \ubc1b\uac8c \ub418\ub294 \uc0c1\ud669\uc740 \ub4dc\ubb3c\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ubc30\uc0c1\uae08\uc774 \ub098\uc624\ub294 \uc989\uc2dc \ucc44\uad8c\uc790 \ub610\ub294 \ubc30\uc6b0\uc790\uac00 &quot;\uadf8\uac83\uc740 \ub098\uc758 \ubaab&quot; \uc774\ub77c\uace0 \uc8fc\uc7a5\ud558\uba74 \uc218\uac1c\uc6d4\uc758 \uce58\ub8cc\u00b7\uc18c\uc1a1 \ub300\uac00\uac00 \uc0ac\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ub274\uc800\uc9c0\ubc95\uc740 \uc0ac\uace0 \ud53c\ud574\uc790 \ubcf4\ud638\ub97c \uc704\ud55c \uc5ec\ub7ec \uc7a5\uce58\ub97c \ub450\uace0 \uc788\uc9c0\ub9cc, \ubc30\uc0c1\uae08\uc744 \ubc1b\uae30 \uc804\ubd80\ud130 \uc804\ub7b5\uc744 \uc138\uc6cc\uc57c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc95\ub960\uc801 \uac1c\ub150  \ud30c\uc0b0 \uba74\uc81c(Bankruptcy Exemption) \u2014 Chapter 7\u00b713 \uc2e0\uccad \uc2dc \ud2b9\", \"datePublished\": \"2026-10-09T10:30:00\", \"author\": {\"@type\": \"Organization\", \"name\": \"Song Law Firm\"}, \"publisher\": {\"@type\": \"LegalService\", \"name\": \"Song Law Firm\", \"url\": \"https:\/\/songlawfirm.com\", \"telephone\": \"+1-201-461-0031\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"400 Kelby Street, Suite 1900\", \"addressLocality\": \"Fort Lee\", \"addressRegion\": \"NJ\", \"postalCode\": \"07024\", \"addressCountry\": \"US\"}, \"areaServed\": [\"NJ\", \"NY\"]}, \"inLanguage\": \"ko-KR\", \"articleSection\": \"Personal Injury\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0c1\ud669 \uac1c\uc694 \ud30c\uc0b0 \uc2e0\uccad \uc911\uc774\uac70\ub098 \uc774\ud63c \uc18c\uc1a1 \uc9c4\ud589 \uc911\uc5d0 \uad50\ud1b5\uc0ac\uace0\ub85c \ub2e4\uccd0 \uc0c1\ub2f9\ud55c \ubc30\uc0c1\uae08\uc744 \ubc1b\uac8c \ub418\ub294 \uc0c1\ud669\uc740 \ub4dc\ubb3c\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ubc30\uc0c1\uae08\uc774 \ub098\uc624\ub294 \uc989\uc2dc \ucc44\uad8c\uc790 \ub610\ub294 \ubc30\uc6b0\uc790\uac00 &quot;\uadf8\uac83\uc740 \ub098\uc758 \ubaab&quot; \uc774\ub77c\uace0 \uc8fc\uc7a5\ud558\uba74 \uc218\uac1c\uc6d4\uc758 \uce58\ub8cc\u00b7\uc18c\uc1a1 \ub300\uac00\uac00 \uc0ac\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ub274\uc800\uc9c0\ubc95<\/p>\n","protected":false},"author":7,"featured_media":0,"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":[356,388],"tags":[1625,5822,5821,247,98],"class_list":["post-28974","post","type-post","status-publish","format-standard","hentry","category-356","category---columns","tag-chapter-7-2","tag-5822","tag-5821","tag-247","tag-bankruptcy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95 | Song Law Firm<\/title>\n<meta name=\"description\" content=\"\uc0c1\ud669 \uac1c\uc694 \ud30c\uc0b0 \uc2e0\uccad \uc911\uc774\uac70\ub098 \uc774\ud63c \uc18c\uc1a1 \uc9c4\ud589 \uc911\uc5d0 \uad50\ud1b5\uc0ac\uace0\ub85c \ub2e4\uccd0 \uc0c1\ub2f9\ud55c \ubc30\uc0c1\uae08\uc744 \ubc1b\uac8c \ub418\ub294 \uc0c1\ud669\uc740 \ub4dc\ubb3c\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ubc30\uc0c1\uae08\uc774 \ub098\uc624\ub294 \uc989\uc2dc \ucc44\uad8c\uc790 \ub610\ub294 \ubc30\uc6b0\uc790\uac00 &quot;\uadf8\uac83\uc740 \ub098\uc758 \ubaab&quot; \uc774\ub77c\uace0 \uc8fc\uc7a5\ud558\uba74 \uc218\uac1c\uc6d4\uc758 \uce58\ub8cc\u00b7\uc18c\uc1a1 \ub300\uac00\uac00 \uc0ac\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.\" \/>\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\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, New Jersey\" \/>\n<meta property=\"og:url\" content=\"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/\" \/>\n<meta property=\"og:site_name\" content=\"\uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/songlawfirmllc\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-09T14:30:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/slf_og_1200x630.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Claude Marketing\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/slf_og_1200x630.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"Claude Marketing\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"1\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/\"},\"author\":{\"name\":\"Claude Marketing\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#\\\/schema\\\/person\\\/1db4c93b62802ad8db0a6ee498a2506d\"},\"headline\":\"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95\",\"datePublished\":\"2026-10-09T14:30:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/\"},\"wordCount\":171,\"publisher\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#organization\"},\"keywords\":[\"Chapter 7\",\"\uacf5\ub3d9\uc7ac\uc0b0\",\"\uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08\",\"\uc774\ud63c\",\"\ud30c\uc0b0\"],\"articleSection\":[\"\ubc95\ub960\uce7c\ub7fc\",\"\uc0ac\uace0 \uc0c1\ud574\"],\"inLanguage\":\"ko-KR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/\",\"name\":\"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95 | Song Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#website\"},\"datePublished\":\"2026-10-09T14:30:00+00:00\",\"description\":\"\uc0c1\ud669 \uac1c\uc694 \ud30c\uc0b0 \uc2e0\uccad \uc911\uc774\uac70\ub098 \uc774\ud63c \uc18c\uc1a1 \uc9c4\ud589 \uc911\uc5d0 \uad50\ud1b5\uc0ac\uace0\ub85c \ub2e4\uccd0 \uc0c1\ub2f9\ud55c \ubc30\uc0c1\uae08\uc744 \ubc1b\uac8c \ub418\ub294 \uc0c1\ud669\uc740 \ub4dc\ubb3c\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ubc30\uc0c1\uae08\uc774 \ub098\uc624\ub294 \uc989\uc2dc \ucc44\uad8c\uc790 \ub610\ub294 \ubc30\uc6b0\uc790\uac00 &quot;\uadf8\uac83\uc740 \ub098\uc758 \ubaab&quot; \uc774\ub77c\uace0 \uc8fc\uc7a5\ud558\uba74 \uc218\uac1c\uc6d4\uc758 \uce58\ub8cc\u00b7\uc18c\uc1a1 \ub300\uac00\uac00 \uc0ac\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%ed%99%88-2\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#website\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/\",\"name\":\"Song Law Firm\",\"description\":\"\ub274\uc800\uc9c0 \ud55c\uc778 \ubcc0\ud638\uc0ac, \ub274\uc800\uc9c0 \uac00\uc815\ubc95 \ubcc0\ud638\uc0ac, \ub274\uc800\uc9c0 \uc774\ud63c \ubcc0\ud638\uc0ac, \uc0ac\uace0 \uc0c1\ud574, \uc774\ubbfc, \uad50\ud1b5\uc0ac\uace0, \ub178\ub3d9\ubc95, \ud30c\uc0b0\",\"publisher\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":[\"Organization\",\"Place\"],\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#organization\",\"name\":\"Song Law Firm\",\"alternateName\":\"Song Law Firm\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/\",\"logo\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/#local-main-organization-logo\"},\"image\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/#local-main-organization-logo\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/songlawfirmllc\"],\"description\":\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, NJ\",\"legalName\":\"Song Law Firm\",\"foundingDate\":\"2012-06-14\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"11\",\"maxValue\":\"50\"},\"ownershipFundingInfo\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%eb%b3%80%ed%98%b8%ec%82%ac\\\/joseph-song\\\/\",\"telephone\":[],\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\",\"Saturday\",\"Sunday\"],\"opens\":\"09:00\",\"closes\":\"17:00\"}]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/#\\\/schema\\\/person\\\/1db4c93b62802ad8db0a6ee498a2506d\",\"name\":\"Claude Marketing\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/author\\\/claude-marketing\\\/\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\\\/#local-main-organization-logo\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/favicon.webp\",\"contentUrl\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/favicon.webp\",\"width\":500,\"height\":500,\"caption\":\"Song Law Firm\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95 | Song Law Firm","description":"\uc0c1\ud669 \uac1c\uc694 \ud30c\uc0b0 \uc2e0\uccad \uc911\uc774\uac70\ub098 \uc774\ud63c \uc18c\uc1a1 \uc9c4\ud589 \uc911\uc5d0 \uad50\ud1b5\uc0ac\uace0\ub85c \ub2e4\uccd0 \uc0c1\ub2f9\ud55c \ubc30\uc0c1\uae08\uc744 \ubc1b\uac8c \ub418\ub294 \uc0c1\ud669\uc740 \ub4dc\ubb3c\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ubc30\uc0c1\uae08\uc774 \ub098\uc624\ub294 \uc989\uc2dc \ucc44\uad8c\uc790 \ub610\ub294 \ubc30\uc6b0\uc790\uac00 &quot;\uadf8\uac83\uc740 \ub098\uc758 \ubaab&quot; \uc774\ub77c\uace0 \uc8fc\uc7a5\ud558\uba74 \uc218\uac1c\uc6d4\uc758 \uce58\ub8cc\u00b7\uc18c\uc1a1 \ub300\uac00\uac00 \uc0ac\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/","og_locale":"ko_KR","og_type":"article","og_title":"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95","og_description":"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, New Jersey","og_url":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/","og_site_name":"\uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c","article_publisher":"https:\/\/www.facebook.com\/songlawfirmllc","article_published_time":"2026-10-09T14:30:00+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/slf_og_1200x630.jpg","type":"image\/png"}],"author":"Claude Marketing","twitter_card":"summary_large_image","twitter_image":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/slf_og_1200x630.jpg","twitter_misc":{"\uae00\uc4f4\uc774":"Claude Marketing","\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"1\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/#article","isPartOf":{"@id":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/"},"author":{"name":"Claude Marketing","@id":"https:\/\/songlawfirm.com\/ko\/#\/schema\/person\/1db4c93b62802ad8db0a6ee498a2506d"},"headline":"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95","datePublished":"2026-10-09T14:30:00+00:00","mainEntityOfPage":{"@id":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/"},"wordCount":171,"publisher":{"@id":"https:\/\/songlawfirm.com\/ko\/#organization"},"keywords":["Chapter 7","\uacf5\ub3d9\uc7ac\uc0b0","\uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08","\uc774\ud63c","\ud30c\uc0b0"],"articleSection":["\ubc95\ub960\uce7c\ub7fc","\uc0ac\uace0 \uc0c1\ud574"],"inLanguage":"ko-KR"},{"@type":"WebPage","@id":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/","url":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/","name":"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95 | Song Law Firm","isPartOf":{"@id":"https:\/\/songlawfirm.com\/ko\/#website"},"datePublished":"2026-10-09T14:30:00+00:00","description":"\uc0c1\ud669 \uac1c\uc694 \ud30c\uc0b0 \uc2e0\uccad \uc911\uc774\uac70\ub098 \uc774\ud63c \uc18c\uc1a1 \uc9c4\ud589 \uc911\uc5d0 \uad50\ud1b5\uc0ac\uace0\ub85c \ub2e4\uccd0 \uc0c1\ub2f9\ud55c \ubc30\uc0c1\uae08\uc744 \ubc1b\uac8c \ub418\ub294 \uc0c1\ud669\uc740 \ub4dc\ubb3c\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ubc30\uc0c1\uae08\uc774 \ub098\uc624\ub294 \uc989\uc2dc \ucc44\uad8c\uc790 \ub610\ub294 \ubc30\uc6b0\uc790\uac00 &quot;\uadf8\uac83\uc740 \ub098\uc758 \ubaab&quot; \uc774\ub77c\uace0 \uc8fc\uc7a5\ud558\uba74 \uc218\uac1c\uc6d4\uc758 \uce58\ub8cc\u00b7\uc18c\uc1a1 \ub300\uac00\uac00 \uc0ac\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.","breadcrumb":{"@id":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/songlawfirm.com\/ko\/%ed%99%88-2\/"},{"@type":"ListItem","position":2,"name":"\ud30c\uc0b0\u00b7\uc774\ud63c \uc9c4\ud589 \uc911 \uad50\ud1b5\uc0ac\uace0 \ubc30\uc0c1\uae08 \u2014 \ucc44\uad8c\uc790\u00b7\ubc30\uc6b0\uc790\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\ub294 \ubc95"}]},{"@type":"WebSite","@id":"https:\/\/songlawfirm.com\/ko\/#website","url":"https:\/\/songlawfirm.com\/ko\/","name":"Song Law Firm","description":"\ub274\uc800\uc9c0 \ud55c\uc778 \ubcc0\ud638\uc0ac, \ub274\uc800\uc9c0 \uac00\uc815\ubc95 \ubcc0\ud638\uc0ac, \ub274\uc800\uc9c0 \uc774\ud63c \ubcc0\ud638\uc0ac, \uc0ac\uace0 \uc0c1\ud574, \uc774\ubbfc, \uad50\ud1b5\uc0ac\uace0, \ub178\ub3d9\ubc95, \ud30c\uc0b0","publisher":{"@id":"https:\/\/songlawfirm.com\/ko\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/songlawfirm.com\/ko\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":["Organization","Place"],"@id":"https:\/\/songlawfirm.com\/ko\/#organization","name":"Song Law Firm","alternateName":"Song Law Firm","url":"https:\/\/songlawfirm.com\/ko\/","logo":{"@id":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/#local-main-organization-logo"},"image":{"@id":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/#local-main-organization-logo"},"sameAs":["https:\/\/www.facebook.com\/songlawfirmllc"],"description":"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, NJ","legalName":"Song Law Firm","foundingDate":"2012-06-14","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"11","maxValue":"50"},"ownershipFundingInfo":"https:\/\/songlawfirm.com\/ko\/%eb%b3%80%ed%98%b8%ec%82%ac\/joseph-song\/","telephone":[],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday","Saturday","Sunday"],"opens":"09:00","closes":"17:00"}]},{"@type":"Person","@id":"https:\/\/songlawfirm.com\/ko\/#\/schema\/person\/1db4c93b62802ad8db0a6ee498a2506d","name":"Claude Marketing","url":"https:\/\/songlawfirm.com\/ko\/author\/claude-marketing\/"},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/songlawfirm.com\/ko\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-ko\/#local-main-organization-logo","url":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/09\/favicon.webp","contentUrl":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/09\/favicon.webp","width":500,"height":500,"caption":"Song Law Firm"}]}},"_links":{"self":[{"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/posts\/28974","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/comments?post=28974"}],"version-history":[{"count":1,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/posts\/28974\/revisions"}],"predecessor-version":[{"id":29110,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/posts\/28974\/revisions\/29110"}],"wp:attachment":[{"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/media?parent=28974"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/categories?post=28974"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/songlawfirm.com\/ko\/wp-json\/wp\/v2\/tags?post=28974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}