{"id":29316,"date":"2026-10-29T15:00:00","date_gmt":"2026-10-29T19:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=29316"},"modified":"2026-10-29T06:10:38","modified_gmt":"2026-10-29T10:10:38","slug":"bkr-ch7-self-employed-fresh-start-ko-3","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/bkr-ch7-self-employed-fresh-start-ko-3\/","title":{"rendered":"[\uc131\uacf5\uc0ac\ub840] \uc790\uc601\uc5c5\uc790 Chapter 7 Fresh Start \u2014 Means Test \ud1b5\uacfc \ud6c4 \uc804\uc561 \uba74\ucc45"},"content":{"rendered":"
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
\n

\n[\uc131\uacf5\uc0ac\ub840] \uc790\uc601\uc5c5\uc790 Chapter 7 Fresh Start \u2014 Means Test \ud1b5\uacfc \ud6c4 \uc804\uc561 \uba74\ucc45
\n<\/h2>\n

\uc0ac\uc2e4\uad00\uacc4<\/h3>\n

\n\uc758\ub8b0\uc778\uc740 \ub274\uc800\uc9c0\uc8fc \uc720\ub2c8\uc5b8 \uce74\uc6b4\ud2f0\uc5d0 \uac70\uc8fc\ud558\ub294 1\uc778 \ud504\ub9ac\ub79c\uc2a4 \ub514\uc790\uc778 \ucee8\uc124\ud134\ud2b8\ub85c, 1099-NEC \uacc4\uc57d\uc5d0 \ub530\ub77c \uc790\uc601\uc5c5\uc744 \uc601\uc704\ud574\uc624\ub358 \uc778\ubb3c\uc785\ub2c8\ub2e4. \ud32c\ub370\ubbf9 \uc774\ud6c4 \uac70\ub798\ucc98 \ucd95\uc18c\ub85c \uc778\ud574 \uc6d4\ud3c9\uade0 \uc218\uc785\uc774 \uae09\uaca9\ud788 \uac10\uc18c\ud558\uc600\uace0, 2024\ub144 \uc5f0\uac04 \uc218\uc785\uc740 \uc57d $48,000\uc5d0 \ubd88\uacfc\ud55c \uc0c1\ud669\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc18c\ub4dd \uac10\uc18c \uc18d\uc5d0\uc11c \uc774\ubbf8 \ub204\uc801\ub41c \uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34 7\uc7a5(\ucd1d $87,000), \uc758\ub8cc\ube44 \uad00\ub828 \ubbf8\uc9c0\uae09\uae08($12,500), \uadf8\ub9ac\uace0 \uac1c\uc778 \ub2e8\uae30\ub300\ucd9c($14,000) \ub4f1\uc73c\ub85c \uc778\ud574 \ucd1d $113,500\uc758 \ucc44\ubb34 \uc0c1\ud0dc\uc5d0 \ucc98\ud558\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n<\/p>\n

\n\ub354\uc6b1 \uc808\ubc15\ud55c \uc0c1\ud669\uc740 \ucc44\uad8c\uc790 \uc911 \uc77c\ubd80\uac00 \uc218\uae08 \uc18c\uc1a1\uc744 \uc81c\uae30\ud558\uc600\uace0, \uc758\ub8b0\uc778\uc758 \uc784\uae08 \uac00\uc555\ub958 \uac00\ub2a5\uc131\uc744 \ud1b5\uc9c0\ud558\uba74\uc11c \ubc1c\uc0dd\ud588\uc2b5\ub2c8\ub2e4. \uc790\uc601\uc5c5\uc790\ub85c\uc11c \uc784\uae08 \uac00\uc555\ub958\ub294 \uace7 \uc0dd\uacc4 \uc790\uccb4\ub97c \uc704\ud611\ud558\ub294 \uc0ac\uac74\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \uc758\ub8b0\uc778\uc740 \ucc44\ubb34 \uc0c1\ud669\uc758 \uc545\ud654\uc640 \ubc95\uc801 \uc870\uce58\uc758 \uc784\ubc15\ud568\uc5d0 \uc9c1\uba74\ud558\uc5ec \uc1a1\ub85c\ud38c\uc744 \ucc3e\uc544\uc624\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n<\/p>\n

\ubc95\ub960 \uc7c1\uc810<\/h3>\n

\n\ubcf8 \uc0ac\uc548\uc758 \ud575\uc2ec \ubc95\ub960 \ubb38\uc81c\ub294 \uc758\ub8b0\uc778\uc774 Chapter 7 \ud30c\uc0b0 \uc808\ucc28 \uc9c4\ud589 \uc790\uaca9\uc774 \uc788\ub294\uc9c0 \uc5ec\ubd80, \uc989 Means Test\ub97c \ud1b5\uacfc\ud560 \uc218 \uc788\ub294\uc9c0 \ud310\ub2e8\ud558\ub294 \uac83\uc774\uc5c8\uc2b5\ub2c8\ub2e4. 2005\ub144 \ud30c\uc0b0\uac1c\ud601\ubc95(Bankruptcy Abuse Prevention and Consumer Protection Act, BAPCPA)\uc758 \uc2dc\ud589\uc73c\ub85c, \ubaa8\ub4e0 \ud30c\uc0b0 \uc2e0\uccad\uc790\ub294 \uac00\ucc98\ubd84 \uc18c\ub4dd \uae30\uc900(disposable income test)\uc744 \ub9cc\uc871\ud574\uc57c Chapter 7 \uba74\ucc45\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc758\ub8b0\uc778\uc758 \uacbd\uc6b0 \uc790\uc601\uc5c5\uc790\uc758 \ubcc0\ub3d9\uc131 \uc788\ub294 \uc18c\ub4dd\uc744 \uc5b4\ub5bb\uac8c \ud3c9\uac00\ud560 \uac83\uc778\uc9c0, \uadf8\ub9ac\uace0 \ub274\uc800\uc9c0\uc8fc\uc758 \uc911\uc704 \uac00\uad6c \uc18c\ub4dd \uae30\uc900\uacfc\uc758 \ube44\uad50\ub97c \ud1b5\ud574 Means Test \ud1b5\uacfc \uac00\ub2a5\uc131\uc744 \uc785\uc99d\ud574\uc57c \ud588\uc2b5\ub2c8\ub2e4. \uc774\uc640 \ud568\uaed8 \ud30c\uc0b0 \uba74\ucc45\uc5d0\uc11c \uc81c\uc678\ub418\ub294 \ucc44\ubb34(nondischargeable debt)\uac00 \uc788\ub294\uc9c0 \uc5ec\ubd80\ub3c4 \uac80\ud1a0\ud574\uc57c \ud588\uc2b5\ub2c8\ub2e4.\n<\/p>\n

\n\uad00\ub828 \ubc95\ub839 \ubc0f \uc120\ub840\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n

    \n
  • 11 USC \u00a7707(b) \u2014 Means Test \uae30\uc900 \ubc0f Chapter 7 \uc2e0\uccad \uc801\uaca9\uc131 \ud310\ub2e8<\/li>\n
  • 11 USC \u00a7522(d) \u2014 \uc5f0\ubc29 \ud30c\uc0b0 \uba74\uc81c \uaddc\uc815<\/li>\n
  • 11 USC \u00a7523 \u2014 \uba74\ucc45 \uc81c\uc678 \ucc44\ubb34<\/li>\n
  • 11 USC \u00a7727 \u2014 Chapter 7 \uba74\ucc45 \uc870\uac74<\/li>\n
  • In re Lanning<\/em>, 560 U.S. 505 (2010) \u2014 \uc790\uc601\uc5c5\uc790 \uc18c\ub4dd \uacc4\uc0b0 \uad00\ub828 \ub300\ubc95\uc6d0 \ud310\ub840<\/li>\n<\/ul>\n

    \uc1a1\ub85c\ud38c\uc758 \uc804\ub7b5<\/h3>\n

    \n\uccab\uc9f8, \uc815\ud655\ud55c Means Test \ubd84\uc11d<\/strong>\uc744 \ud1b5\ud574 \uc758\ub8b0\uc778\uc758 Chapter 7 \uc801\uaca9\uc131\uc744 \uc785\uc99d\ud588\uc2b5\ub2c8\ub2e4. \uc790\uc601\uc5c5\uc790\uc758 \ubcc0\ub3d9\uc131 \uc788\ub294 \uc18c\ub4dd\uc744 \uacf5\uc815\ud558\uac8c \ud3c9\uac00\ud558\uae30 \uc704\ud574 \uac00\uc7a5 \ucd5c\uadfc 6\uac1c\uc6d4\uac04\uc758 \ud3c9\uade0 \uc218\uc785\uc744 \uc0b0\ucd9c\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc758\ub8b0\uc778\uc758 \ud3c9\uade0 \uc6d4 \uc218\uc785\uc740 \uc57d $5,300(\uc5f0 $64,000)\ub85c \uacc4\uc0b0\ub418\uc5c8\uace0, \uc774\ub97c \ub274\uc800\uc9c0\uc8fc 1\uc778 \uac00\uad6c\uc758 \uc911\uc704 \uc18c\ub4dd $75,336\uacfc \ube44\uad50\ud55c \uacb0\uacfc, \uc758\ub8b0\uc778\uc758 \uc18c\ub4dd\uc774 \uc8fc \uc911\uc704 \uc18c\ub4dd \uc774\ud558(below-median income)\uc784\uc774 \uba85\ud655\ud558\uac8c \ub4dc\ub7ec\ub0ac\uc2b5\ub2c8\ub2e4. \ubc95\ub839\uc0c1 \uc18c\ub4dd\uc774 \uc8fc \uc911\uc704 \uc18c\ub4dd \uc774\ud558\uc778 \uacbd\uc6b0, Means Test\ub97c \uc790\ub3d9\uc73c\ub85c \ud1b5\uacfc\ud558\uac8c \ub418\ub294\ub370, \uc774 \uc810\uc744 \uba85\ud655\ud558\uac8c \uc785\uc99d\ud568\uc73c\ub85c\uc368 \uc758\ub8b0\uc778\uc758 Chapter 7 \uc9c4\ud589 \uc790\uaca9\uc744 \ud655\ubcf4\ud588\uc2b5\ub2c8\ub2e4.\n<\/p>\n

    \n\ub458\uc9f8, \uc790\uc0b0 \ubcf4\ud638 \uc804\ub7b5(asset protection)<\/strong>\uc744 \uc218\ub9bd\ud588\uc2b5\ub2c8\ub2e4. \uc758\ub8b0\uc778\uc740 \uc8fc\ud0dd\uc744 \uc18c\uc720\ud558\uc9c0 \uc54a\uc558\uc9c0\ub9cc, \uc9c1\uc5c5 \uc218\ud589\uc5d0 \ud544\uc218\uc801\uc778 \ub178\ud2b8\ubd81 \ucef4\ud4e8\ud130, \uc124\uacc4 \ub3c4\uad6c, \ub9ac\uc2a4 \ucc28\ub7c9 \ub4f1\uc758 \uc790\uc0b0\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc8fc\ub294 opt-in \uc8fc(\uae30\ubcf8\uc801\uc73c\ub85c \uc8fc \uba74\uc81c \uaddc\uc815\ub9cc \uc0ac\uc6a9 \uac00\ub2a5\ud55c \uc8fc)\uac00 \uc544\ub2c8\ubbc0\ub85c, \uc758\ub8b0\uc778\uc740 11 USC \u00a7522(d)\uc758 \uc5f0\ubc29 \ud30c\uc0b0 \uba74\uc81c \uaddc\uc815\uc744 \uc120\ud0dd\ud558\uc5ec \uc801\uc6a9\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc5f0\ubc29 \uba74\uc81c \uaddc\uc815\uc0c1 wildcard exemption $14,000\uc744 \ud65c\uc6a9\ud558\uc5ec \ub178\ud2b8\ubd81\uacfc \uc124\uacc4 \ub3c4\uad6c\ub97c \ubcf4\ud638\ud558\uace0, \ucc28\ub7c9 exemption $4,000\uacfc \uac00\uc7ac\ub3c4\uad6c exemption $14,000\uc744 \uc801\uc808\ud788 \ubc30\ubd84\ud568\uc73c\ub85c\uc368 \uc758\ub8b0\uc778\uc758 \uc0dd\uacc4 \ud544\uc218 \uc790\uc0b0\uc744 \ucd5c\ub300\ud55c \ubcf4\ud638\ud588\uc2b5\ub2c8\ub2e4. \uc81c341 \ubbf8\ud305 \uc774\uc804\uc5d0 Schedule A\/B(\uc790\uc0b0 \ubaa9\ub85d)\ub97c \uc815\ud655\ud558\uac8c \uc791\uc131\ud558\uace0 \uac01 \uc790\uc0b0\uc5d0 \ub300\ud55c exemption\uc744 \uc0ac\uc804\uc5d0 \uc785\uc99d\ud568\uc73c\ub85c\uc368 trustee\uc640\uc758 \ubd84\uc7c1\uc744 \uc0ac\uc804\uc5d0 \ubc29\uc9c0\ud588\uc2b5\ub2c8\ub2e4.\n<\/p>\n

    \n\uc14b\uc9f8, \uba74\ucc45 \uc81c\uc678 \ucc44\ubb34 \uac80\ud1a0<\/strong>\ub97c \ucca0\uc800\ud558\uac8c \uc9c4\ud589\ud588\uc2b5\ub2c8\ub2e4. 11 USC \u00a7523\uc5d0 \ub530\ub974\uba74 \ud2b9\uc815 \uc720\ud615\uc758 \ucc44\ubb34(\uc138\uae08, \ud559\uc790\uae08 \ub300\ucd9c, \uc704\uc790\ub8cc \ub4f1)\ub294 \uba74\ucc45\uc5d0\uc11c \uc81c\uc678\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc758\ub8b0\uc778\uc758 \uacbd\uc6b0 \uc774\ub7ec\ud55c \uc870\uac74\uc774 \uc804\ud600 \ud574\ub2f9\ub418\uc9c0 \uc54a\uc74c\uc744 \ud655\uc778\ud588\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9\uce74\ub4dc \ucc44\ubb34, \uc758\ub8cc\ube44, \uac1c\uc778 \ub2e8\uae30\ub300\ucd9c \ubaa8\ub450 \uc77c\ubc18 \uc18c\ube44\uc790 \ucc44\ubb34\ub85c\uc11c \uba74\ucc45 \ub300\uc0c1\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n<\/p>\n

    \n\ub137\uc9f8, reaffirmation agreement \uac70\ubd80 \uc804\ub7b5<\/strong>\uc744 \ucc44\ud0dd\ud588\uc2b5\ub2c8\ub2e4. \uc758\ub8b0\uc778\uc774 \ubcf4\uc720\ud55c \ub9ac\uc2a4 \ucc28\ub7c9\uc740 reaffirmation(\ucc44\ubb34 \uc7ac\ud655\uc778)\uc744 \ud1b5\ud574 \uc720\uc9c0\ud560 \uc218\ub3c4 \uc788\uc5c8\uc73c\ub098, \ubcf8 \uc804\ub7b5\uc5d0\uc11c\ub294 \uc774\ub97c \uac70\ubd80\ud558\uace0 \ud604\uc7ac\uc758 \ub9ac\uc2a4 \uacc4\uc57d\ub9cc \uadf8\ub300\ub85c \uc720\uc9c0\ud558\uae30\ub85c \ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc758\ub8b0\uc778\uc774 Chapter 7 \ud30c\uc0b0 \uc808\ucc28 \ud6c4\uc5d0\ub3c4 \ubd88\ud544\uc694\ud55c \ucd94\uac00 \ucc44\ubb34 \ud655\uc778\uc744 \ud558\uc9c0 \uc54a\uc73c\uba74\uc11c\ub3c4 \ucc28\ub7c9\uc744 \uacc4\uc18d \uc774\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud568\uc73c\ub85c\uc368 \uc7ac\uc815 \ud68c\uc0dd\uc758 \uc720\uc5f0\uc131\uc744 \uadf9\ub300\ud654\ud588\uc2b5\ub2c8\ub2e4.\n<\/p>\n

    \uacb0\uacfc \ubc0f \uc2dc\uc0ac\uc810<\/h3>\n

    \n\uc81c341 \ucc44\uad8c\uc790 \ubbf8\ud305(341 meeting)\uc744 \uc131\uacf5\uc801\uc73c\ub85c \ud1b5\uacfc\ud55c \ud6c4, \uc57d 90\uc77c\uc774 \uacbd\uacfc\ud558\uc5ec \ud30c\uc0b0\ubc95\uc6d0\uc73c\ub85c\ubd80\ud130 \ucd5c\uc885 \uba74\ucc45 \uacb0\uc815(discharge order)\uc744 \uc218\ub839\ud588\uc2b5\ub2c8\ub2e4. \uc758\ub8b0\uc778\uc774 \ubcf4\uc720\ud55c \uc790\uc0b0 \uc911 \uba74\uc81c \ub300\uc0c1\uc774 \uc544\ub2cc \uc7ac\uc0b0\uc774 \uc5c6\uc5c8\uae30 \ub54c\ubb38\uc5d0, \ucc44\uad8c\uc790\uc5d0\uac8c \ubc30\ubd84\ud560 \uc790\uc0b0\uc774 \uc5c6\ub294 ‘no-asset case’\ub85c \ucc98\ub9ac\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \ucd1d $113,500\uc758 \ucc44\ubb34\uac00 \uc804\uc561 \uba74\ucc45\ub418\uc5c8\uc73c\uba70, \uc758\ub8b0\uc778\uc740 \uc2e0\uc6a9\uce74\ub4dc \uc18c\uc1a1\uacfc \uc784\uae08 \uac00\uc555\ub958\uc758 \uc704\ud611\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc0c8\ub85c\uc6b4 \uc7ac\uc815 \uc2dc\uc791(fresh start)\uc744 \ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n<\/p>\n

    \n\uc720\uc0ac\ud55c \uc0c1\ud669\uc5d0 \ucc98\ud55c \uc790\uc601\uc5c5\uc790\ub098 \ud504\ub9ac\ub79c\uc11c\uc5d0\uac8c \uc774 \uc0ac\ub840\uac00 \uc804\ub2ec\ud558\ub294 \uad50\ud6c8\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \uc18c\ub4dd\uc774 \ub0ae\uac70\ub098 \ubcc0\ub3d9\uc131\uc774 \uc788\ub294 \uc790\uc601\uc5c5\uc790\uc758 \uacbd\uc6b0, Means Test\uac00 \uc790\ub3d9\uc73c\ub85c \ud1b5\uacfc\ub420 \uac00\ub2a5\uc131\uc774 \ub192\uc73c\ubbc0\ub85c \uc870\uae30\uc5d0 \ud30c\uc0b0 \uc804\ubb38 \ubcc0\ud638\uc0ac\uc758 \uc0c1\ub2f4\uc744 \ubc1b\uc744 \uac00\uce58\uac00 \ucda9\ubd84\ud569\ub2c8\ub2e4. \ub458\uc9f8, \uc0dd\uacc4\uc5d0 \ud544\uc218\uc801\uc778 \uc790\uc0b0(\uc5c5\ubb34\uc6a9 \ub3c4\uad6c, \ucc28\ub7c9 \ub4f1)\uc744 \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc5f0\ubc29 \uba74\uc81c \uaddc\uc815\uc744 \uc804\ub7b5\uc801\uc73c\ub85c \ud65c\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc790\uc0b0 \ud658\uac00\ub97c \ucd5c\uc18c\ud654\ud558\uace0 \uc7ac\uae30\uc758 \ubc1c\ud310\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, \ucc44\uad8c\uc790\uc758 \ubc95\uc801 \uc870\uce58(\uc218\uae08 \uc18c\uc1a1, \uac00\uc555\ub958 \ub4f1)\uac00 \uc784\ubc15\ud55c \uc0c1\ud669\uc5d0\uc11c \ube60\ub978 \ud30c\uc0b0 \uc2e0\uccad\uc740 \uc790\ub3d9 \uc911\uc9c0(automatic stay)\ub97c \ud1b5\ud574 \uc774\ub7ec\ud55c \uc870\uce58\ub97c \uc989\uc2dc \uc911\ub2e8\uc2dc\ud0ac \uc218 \uc788\uc73c\ubbc0\ub85c, \uc0c1\ud669\uc774 \uc545\ud654\ub418\uae30 \uc804\uc5d0 \uc804\ubb38\uac00\uc758 \uc870\ub825\uc744 \uad6c\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n

    \n\uc774\uc804 \uacb0\uacfc\uac00 \uc720\uc0ac\ud55c \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/strong> \uac01 \ud30c\uc0b0 \uc0ac\uac74\uc740 \uace0\uc720\ud55c \uc0ac\uc2e4\uad00\uacc4\uc640 \ubc95\uc801 \uc7c1\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc73c\uba70, \uac1c\uc778\uc758 \uad6c\uccb4\uc801\uc778 \uc0c1\ud669\uc5d0 \ub530\ub77c \uacb0\uacfc\ub294 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \uc0ac\ub840\ub294 \uad50\uc721 \ubc0f \uc815\ubcf4 \uc81c\uacf5 \ubaa9\uc801\uc73c\ub85c\ub9cc \uc791\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n<\/p>\n<\/div>\n

    \n

    \uc0c1\ub2f4 \ubb38\uc758<\/h3>\n

    \uc1a1\ub85c\ud38c (Song Law Firm, LLC)<\/strong>
    \uc8fc\uc18c: Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024
    \uc804\ud654: (201) 461-0031
    \uc774\uba54\uc77c: mail@songlawfirm.com
    \uc6f9\uc0ac\uc774\ud2b8: https:\/\/songlawfirm.com
    \uc601\uc5c5\uc2dc\uac04: \uc6d4\u2013\uae08 09:00\u201318:00 ET (\uc8fc\ub9d0\u00b7\uacf5\ud734\uc77c \ud734\ubb34)
    \uc5b8\uc5b4 \uc9c0\uc6d0: \ud55c\uad6d\uc5b4\u00b7\uc601\uc5b4\u00b7\uc911\uad6d\uc5b4 (\ubcc0\ud638\uc0ac \uc9c1\uc811 \uc0c1\ub2f4)<\/p>\n

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