{"id":29228,"date":"2026-10-28T15:00:00","date_gmt":"2026-10-28T19:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=29228"},"modified":"2026-10-26T09:03:01","modified_gmt":"2026-10-26T13:03:01","slug":"bkr-ch13-foreclosure-stop-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/bkr-ch13-foreclosure-stop-ko\/","title":{"rendered":"[\uc131\uacf5\uc0ac\ub840] Chapter 13 \uc2e0\uccad\uc73c\ub85c \uacbd\ub9e4 \uc911\ub2e8 \u2014 \uc8fc\ud0dd \ubcf4\uc874, 11\uac1c\uc6d4 \uc5f0\uccb4 60\uac1c\uc6d4 \ubd84\ud560 \uc7ac\uad6c\uc870"},"content":{"rendered":"<div style=\"border-left:4px solid #98344A;background:#fff9f0;padding:16px;margin:24px 0;\"><strong>Illustrative composite<\/strong> \u2014 \ubcf8 \uc0ac\ub840\ub294 \uc2e4\uc81c \ucc98\ub9ac \uc0ac\ub840\ub4e4\uc758 \uc0ac\uc2e4\uad00\uacc4\ub97c \uc775\uba85\ud654\u00b7\uc7ac\uad6c\uc131\ud55c \ub300\ud45c \uc0ac\ub840\uc785\ub2c8\ub2e4. \uac1c\ubcc4 \uc0ac\uac74\uc758 \uacb0\uacfc\ub294 \uad6c\uccb4\uc801 \uc0ac\uc2e4\uad00\uacc4\u00b7\uad00\ud560 \uc8fc\ubc95\u00b7\uc808\ucc28 \uc804\uac1c\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/div>\n<div style=\"font-family: sans-serif; line-height: 1.8; color: #333; max-width: 900px; margin: 0 auto; padding: 20px;\">\n<h2>\uc131\uacf5\uc0ac\ub840: Chapter 13 \uc2e0\uccad\uc73c\ub85c \uacbd\ub9e4 \uc911\ub2e8 \u2014 \uc8fc\ud0dd \ubcf4\uc874, 11\uac1c\uc6d4 \uc5f0\uccb4 60\uac1c\uc6d4 \ubd84\ud560 \uc7ac\uad6c\uc870<\/h2>\n<h3>\uc0ac\uc2e4\uad00\uacc4<\/h3>\n<p>\ub274\uc800\uc9c0 \ubbf8\ub4e4\uc139\uc2a4 \uce74\uc6b4\ud2f0\uc5d0 \uac70\uc8fc\ud558\ub294 \ubd80\ubd80\ub294 30\ub144 \uc774\uc0c1 \ud568\uaed8 \uc18c\uc720\ud574\uc628 \ub2e8\ub3c5\uc8fc\ud0dd\uc5d0\uc11c \uc0b4\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc5f0\uac04 \uac00\uc815\uc218\uc785\uc774 \uc57d $112,000\uc774\uace0, \ubaa8\uae30\uc9c0 \uc794\uc561\uc740 $385,000, \ud604\uc7ac \uc8fc\ud0dd \uc2dc\uac00\ub294 \uc57d $540,000\uc73c\ub85c \ud3c9\uac00\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ubd80\ubd80\ub294 \ud3c9\uc628\ud55c \uc0dd\ud65c\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc5c8\uc73c\ub098, \ucf54\ub85c\ub09819 \uc774\ud6c4 \uc77c\uc790\ub9ac \ubd88\uc548\uc815\uacfc \uc790\ub140\uc758 \uc608\uc0c1 \ubc16\uc758 \uc758\ub8cc\ube44 \uc9c0\ucd9c\uc774 \uacb9\uce58\uba74\uc11c \uacbd\uc81c \uc0c1\ud669\uc774 \uc545\ud654\ub418\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2021\ub144\ubd80\ud130 \ubaa8\uae30\uc9c0 \ub0a9\ubd80\uac00 \uc774\ub8e8\uc5b4\uc9c0\uc9c0 \uc54a\uc544 11\uac1c\uc6d4\uac04 \uc5f0\uccb4\ub418\uc5c8\uace0, \uc5f0\uccb4\uc561\uc740 \ucd1d $44,500\uc5d0 \ub2ec\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ud574 \ub9d0, \ubaa8\uae30\uc9c0 \uc11c\ube44\uc11c(servicer)\ub85c\ubd80\ud130 \uacbd\ub9e4 \uc758\uc0ac \ud1b5\uc9c0(Notice of Intent to Foreclose)\ub97c \ubc1b\uc558\uace0, \uc774\uc5d0 \ub530\ub77c Sheriff Sale(\uacbd\ub9e4)\uc774 42\uc77c \ub4a4\ub85c \uc608\uc815\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ubd80\ubd80\ub294 \uc9d1\uc744 \uc783\uc744 \uc704\uae30\uc5d0 \uc9c1\uba74\ud588\uace0, \uc808\ub9dd\uc801\uc778 \uc0c1\ud669 \uc18d\uc5d0\uc11c \uc1a1\ub85c\ud38c\uc5d0 \uae34\uae09 \uc0c1\ub2f4\uc744 \uc2e0\uccad\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\ubc95\ub960 \uc7c1\uc810<\/h3>\n<p>\ubcf8 \uc0ac\uac74\uc758 \ud575\uc2ec \ubc95\ub960 \uc7c1\uc810\uc740 \uc5f0\uccb4\ub41c \ubaa8\uae30\uc9c0 \ucc44\ubb34\ub97c \uc5b4\ub5bb\uac8c \uccb4\uacc4\uc801\uc73c\ub85c \ud68c\ubcf5\ud560 \uac83\uc778\uac00, \uadf8\ub9ac\uace0 \uc790\ub3d9 \uc911\uc9c0(automatic stay)\ub97c \ud1b5\ud574 \uacbd\ub9e4\ub97c \uc911\ub2e8\ud560 \uc218 \uc788\ub294\uac00 \uc600\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \ud30c\uc0b0\ubc95 \uc81c13\uc7a5(Chapter 13)\uc740 \uc815\uaddc \uc18c\ub4dd\uc774 \uc788\ub294 \uac1c\uc778 \ucc44\ubb34\uc790\uac00 3\ub144 \ub610\ub294 5\ub144\uc758 \uc7ac\uad6c\uc870 \uacc4\ud68d(repayment plan)\uc744 \ud1b5\ud574 \ucc44\ubb34\ub97c \ubcc0\uc81c\ud558\uba74\uc11c \uc8fc\ud0dd\uacfc \uac19\uc740 \uc790\uc0b0\uc744 \ubcf4\uc874\ud560 \uc218 \uc788\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ubaa8\uae30\uc9c0 \uc5f0\uccb4\uc561(arrears)\uc744 \uc7a5\uae30\uac04\uc5d0 \uac78\uccd0 \ubd84\ud560 \ub0a9\ubd80\ud558\uba74\uc11c \uae30\uc874 \ubaa8\uae30\uc9c0 \uc758\ubb34\ub294 \uacc4\uc18d \uc218\ud589\ud558\ub294 \ubc29\uc2dd\uc774 \ubc95\uc801\uc73c\ub85c \uc778\uc815\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc801\uc6a9\ub418\ub294 \uc8fc\uc694 \uaddc\uc815 \ubc0f \ud310\ub840\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>11 USC \u00a7362 \u2014 \ud30c\uc0b0 \uc2e0\uccad \uc2dc \uc790\ub3d9 \uc911\uc9c0(automatic stay) \ubc1c\ud6a8\ub85c \ubaa8\ub4e0 \ucc44\uad8c\uc790\uc758 \uac15\uc81c \ucd94\uc2ec \ud589\uc704 \uc989\uc2dc \uc911\ub2e8<\/li>\n<li>11 USC \u00a71322(b)(5) \u2014 Chapter 13 \uacc4\ud68d\uc5d0\uc11c \uc8fc\ud0dd \ub2f4\ubcf4 \ucc44\ubb34(secured claim)\uc758 \uc5f0\uccb4\uc561(cure arrears)\uc744 \ucd5c\uc7a5 \uacc4\ud68d \uae30\uac04(\ud1b5\uc0c1 60\uac1c\uc6d4)\uc5d0 \uac78\uccd0 \ubcc0\uc81c \uac00\ub2a5<\/li>\n<li>11 USC \u00a71325 \u2014 \uacc4\ud68d \ud655\uc815(confirmation) \uc2dc \ucc98\ubd84 \uac00\ub2a5 \uc18c\ub4dd(disposable income) \uae30\uc900 \ucda9\uc871 \uc5ec\ubd80 \ud310\ub2e8<\/li>\n<li>In re Lemieux, 160 B.R. 419 (Bankr. D.N.J. 1993) \u2014 \ub274\uc800\uc9c0 \ud30c\uc0b0\ubc95\uc6d0 \ud310\ub840\ub85c \ub3d9 \uc9c0\uc5ed\uc758 Chapter 13 \uacc4\ud68d \ud655\uc815 \uae30\uc900 \uc120\ub840<\/li>\n<\/ul>\n<h3>\uc1a1\ub85c\ud38c\uc758 \uc804\ub7b5<\/h3>\n<p>\uc1a1\ub85c\ud38c\uc740 \uacbd\ub9e4 \uc608\uc815\uc77c\ub85c\ubd80\ud130 \uc57d 32\uc77c \uc804\uc5d0 \uc0c1\ub2f4\uc744 \ubc1b\uc740 \uc2dc\uc810\uc5d0\uc11c \uae34\uae09 \uc804\ub7b5\uc744 \uc218\ub9bd\ud588\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, Schedule A\/B\/C\/D(\uc790\uc0b0, \ubd80\ucc44, \uc18c\ub4dd\u00b7\uc9c0\ucd9c, \ucc44\uad8c\uc790 \ubaa9\ub85d)\ub97c \uc644\uc804\ud558\uace0 \uc815\ud655\ud558\uac8c \uc791\uc131\ud558\uc5ec \ubaa8\ub4e0 Secured \ucc44\uad8c\uc790(\ubaa8\uae30\uc9c0 \uc11c\ube44\uc11c)\uc640 Unsecured \ucc44\uad8c\uc790\ub97c \uba85\uc2dc\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud30c\uc0b0 \ubc95\uc6d0\uc5d0\uc11c \uc778\uc815\ud560 \uc218 \uc788\ub294 \ud22c\uba85\ud55c \uc7ac\uc815 \ud604\ud669\uc744 \uc81c\uc2dc\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub458\uc9f8, Chapter 13 petition\uc744 \uae34\uae09 \uc2e0\uccad\ud568\uc73c\ub85c\uc368 \u00a7362\uc758 \uc790\ub3d9 \uc911\uc9c0\uac00 \ubc1c\ud6a8\ub418\uc5b4 Sheriff Sale\uc744 \uc989\uc2dc \uc911\ub2e8\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, 60\uac1c\uc6d4 Chapter 13 \uacc4\ud68d\uc744 \uc81c\uc548\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uacc4\ud68d\uc5d0\uc11c\ub294 \ub9e4\uc6d4 $742\uc758 \ubaa8\uae30\uc9c0 \uc5f0\uccb4\uc561 \uc0c1\ud658\ubd84\uacfc \uae30\uc874 \ubaa8\uae30\uc9c0 \uc758\ubb34 $2,180\uc744 \ub3d9\uc2dc\uc5d0 \ubcc0\uc81c\ud558\ub3c4\ub85d \uad6c\uc870\ud654\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubd84\ud560 \uc0c1\ud658 \ubc29\uc2dd\uc740 \u00a71322(b)(5)\uc5d0 \uba85\uc2dc\ub41c &#8220;cure arrears&#8221; \uc870\ud56d\uc758 \ud575\uc2ec\uc73c\ub85c, \uc5f0\uccb4\uc561\uc744 \uc804\uc561 \ubcc0\uc81c\ud558\uba74\uc11c\ub3c4 \uc8fc\ud0dd \uc18c\uc720\uad8c\uc744 \uc720\uc9c0\ud558\ub294 \ubc95\uc801 \uadfc\uac70\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub137\uc9f8, \uc758\ubb34\uc801 Means Test\ub97c \uc801\uc6a9\ud558\uc5ec \ucc98\ubd84 \uac00\ub2a5 \uc18c\ub4dd(disposable income)\uc774 0 \uc774\ud558\uc784\uc744 \uc785\uc99d\ud588\uc2b5\ub2c8\ub2e4. \uc989, \uac00\uc815\uc758 \uc21c\uc218\uc785\uc774 \uc9c0\uc5ed \uc911\uc704\uc218(median income) \uc774\ud558\uc774\uace0, \uc0dd\ud65c\ube44\uc640 \uae30\ud0c0 \ud544\uc218 \uc9c0\ucd9c\uc744 \uace0\ub824\ud558\uba74 \ucd94\uac00 \ubcc0\uc81c \ub2a5\ub825\uc774 \uc5c6\uc74c\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \ub2e4\uc12f\uc9f8, Trustee\uc640 \ucc44\uad8c\uc790 \uac04\uc758 \uc0ac\uc804 \uc870\uc815\uc744 \ud1b5\ud574 \uacc4\ud68d \ud655\uc815 \uccad\ubb38\ud68c(Confirmation Hearing) \uc804\uc5d0 \uc8fc\uc694 \uc774\uc758\uc0ac\ud56d\uc744 \ud574\uc18c\ud588\uace0, \ucd5c\uc885\uc801\uc73c\ub85c Confirmation Order\ub97c \ud68d\ub4dd\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\uacb0\uacfc \ubc0f \uc2dc\uc0ac\uc810<\/h3>\n<p>\ud30c\uc0b0 \ubc95\uc6d0\uc740 \uc1a1\ub85c\ud38c\uc774 \uc81c\uc548\ud55c 60\uac1c\uc6d4 Chapter 13 \uacc4\ud68d\uc744 \ud655\uc815\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub85c\uc368 \ubd80\ubd80\ub294 \ub9e4\uc6d4 \uc77c\uc815\ud55c \uae08\uc561\uc744 \uc9c0\ubd88\ud558\uba74\uc11c \uc8fc\ud0dd \uc18c\uc720\uad8c\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc73c\uba70, \uc5f0\uccb4\ub41c \ubaa8\uae30\uc9c0 \ucc44\ubb34\ub294 \ubc95\uc6d0\uc758 \ubcf4\ud638 \uc18d\uc5d0\uc11c \uccb4\uacc4\uc801\uc73c\ub85c \ud68c\ubcf5\ub418\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4. \ud604\uc7ac 2\ub144\ucc28\uc5d0 \uc811\uc5b4\ub4e0 \uc774\ub4e4 \uac00\uc815\uc740 Trustee\ub85c\ubd80\ud130\uc758 \uacc4\ud68d \uc774\ud589 \uada4\ub3c4\uc0c1\uc5d0 \uc788\uc73c\uba70, \uc608\uc815\ub300\ub85c \uc9c4\ud589\ub420 \uacbd\uc6b0 5\ub144 \ub9cc\uc5d0 \uacc4\ud68d\uc744 \uc644\ub8cc\ud558\uace0 Discharge(\ucc44\ubb34 \uba74\ucc45)\ub97c \ubc1b\uc744 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \uc0ac\ub840\uac00 \uc2dc\uc0ac\ud558\ub294 \ubc14\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \ubaa8\uae30\uc9c0 \uc5f0\uccb4 \ud1b5\uc9c0\ub97c \ubc1b\uc740 \ud6c4\uc5d0\ub3c4 \uacbd\ub9e4 \uc9c4\ud589 \uc804\uc5d0 \uc801\uc808\ud55c \ubc95\ub960 \uc870\uce58\ub97c \ucde8\ud55c\ub2e4\uba74 \uc8fc\ud0dd \ubcf4\uc874\uc774 \ucda9\ubd84\ud788 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub458\uc9f8, Chapter 13\uc740 \ub2e8\uc21c\ud788 \ucc44\ubb34 \uac10\uba74\uc744 \uc704\ud55c \uc81c\ub3c4\uac00 \uc544\ub2c8\ub77c, \uc815\uaddc \uc18c\ub4dd\uc774 \uc788\ub294 \uac1c\uc778 \uac00\uc815\uc774 \uc790\uc0b0\uc744 \uc9c0\ud0a4\uba74\uc11c \ucc44\ubb34\ub97c \uc7ac\uad6c\uc870\ud654\ud558\ub294 \uc2e4\uc9c8\uc801\uc778 \uc218\ub2e8\uc785\ub2c8\ub2e4. \uc14b\uc9f8, \uae34\uae09 \uc0c1\ud669\uc5d0\uc11c\ub294 \ubaa8\ub4e0 \uc11c\ub958\ub97c \uc815\ud655\ud558\uace0 \ud22c\uba85\ud558\uac8c \uc900\ube44\ud558\uc5ec \ubc95\uc6d0\uc758 \uc2e0\ub8b0\ub97c \uc5bb\ub294 \uac83\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc640 \ub274\uc695 \uc9c0\uc5ed\uc5d0\uc11c \ubaa8\uae30\uc9c0 \uc5f0\uccb4\uc5d0 \uc9c1\uba74\ud55c \uc8fc\ud0dd \uc18c\uc720\uc790\ub4e4\uc740 \uacbd\ub9e4 \ud1b5\uc9c0\ub97c \ubc1b\ub354\ub77c\ub3c4 \ud3ec\uae30\ud558\uc9c0 \ub9d0\uace0, \uac00\ub2a5\ud55c \ud55c \ube68\ub9ac \uc804\ubb38 \ubcc0\ud638\uc0ac\uc640 \uc0c1\ub2f4\ud558\uc5ec Chapter 13, \ub300\ucd9c \uc218\uc815(loan modification), \ub610\ub294 \uae30\ud0c0 \uad6c\uc81c \ubc29\uc548\uc744 \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p><em>\uc774\uc804 \uc0ac\uac74\uc758 \uc131\uacf5\uc774 \uc720\uc0ac\ud55c \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4(Prior results do not guarantee similar outcomes).<\/em><\/p>\n<\/div>\n<hr \/>\n<h3>\uc0c1\ub2f4 \ubb38\uc758<\/h3>\n<p><strong>\uc1a1\ub85c\ud38c (Song Law Firm, LLC)<\/strong><br \/>\uc8fc\uc18c: Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<br \/>\uc804\ud654: (201) 461-0031<br \/>\uc774\uba54\uc77c: mail@songlawfirm.com<br \/>\uc6f9\uc0ac\uc774\ud2b8: https:\/\/songlawfirm.com<br \/>\uc601\uc5c5\uc2dc\uac04: \uc6d4\u2013\uae08 09:00\u201318:00 ET (\uc8fc\ub9d0\u00b7\uacf5\ud734\uc77c \ud734\ubb34)<br \/>\uc5b8\uc5b4 \uc9c0\uc6d0: \ud55c\uad6d\uc5b4\u00b7\uc601\uc5b4\u00b7\uc911\uad6d\uc5b4 (\ubcc0\ud638\uc0ac \uc9c1\uc811 \uc0c1\ub2f4)<\/p>\n<p style=\"font-size:0.9em;color:#666;\"><em>\ubcf8 \uc790\ub8cc\ub294 \uc77c\ubc18\uc801\uc778 \uc815\ubcf4 \uc81c\uacf5\uc744 \uc704\ud55c \uac83\uc73c\ub85c \ud2b9\uc815 \uc0ac\uc548\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uad00\ud560 \uc8fc\ubc95\uacfc \uac1c\ubcc4 \uc0ac\uc2e4\uad00\uacc4\uc5d0 \ub530\ub77c \uacb0\uacfc\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c \ubc18\ub4dc\uc2dc \uc790\uaca9 \uc788\ub294 \ubcc0\ud638\uc0ac\uc640 \uc0c1\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. NJ Rules of Professional Conduct 7.1 \uc900\uc218. 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