{"id":29509,"date":"2026-10-29T11:00:00","date_gmt":"2026-10-29T15:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=29509"},"modified":"2026-10-27T10:30:49","modified_gmt":"2026-10-27T14:30:49","slug":"year-end-bankruptcy-guide-chapter-7-vs-13-2026-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/year-end-bankruptcy-guide-chapter-7-vs-13-2026-ko\/","title":{"rendered":"\uc5f0\ub9d0 \ud30c\uc0b0 \uc0c1\ub2f4 \uac00\uc774\ub4dc \u2014 Chapter 7 vs Chapter 13, \uc5b4\ub290 \ucabd\uc774 \ub9de\uc744\uae4c"},"content":{"rendered":"<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uc65c \uc5f0\ub9d0\uc5d0 \ud30c\uc0b0 \uc0c1\ub2f4\uc774 \ub298\uc5b4\ub0a0\uae4c<\/h2>\n<p style=\"margin:0 0 14px;font-size:16px;line-height:1.8;color:#1f1f1f;\">4\ubd84\uae30\ub294 \uc18c\ube44\uc790 \ud30c\uc0b0 \uc0c1\ub2f4\uc774 \uc9d1\uc911\ub418\ub294 \uc2dc\uae30\uc785\ub2c8\ub2e4. \uc5f0\ub9d0 \uc1fc\ud551\uc73c\ub85c \ub298\uc5b4\ub09c \uc2e0\uc6a9\uce74\ub4dc \ubd80\ucc44, \ub2e4\uc74c \ud574 \uc138\uae08 \ud658\uae09 \uc804 \uc790\uc0b0 \ubd84\uc11d\uc758 \ud544\uc694, \uc5f0\ub9d0\uc815\uc0b0 \uc804 \uc2e0\uc6a9\uce74\ub4dc \uc794\uace0 \uc815\ub9ac \uc555\ubc15 \ub4f1\uc774 \uacb9\uce58\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc11c\ub450\ub974\uc9c0 \uc54a\uace0 \uc62c\ubc14\ub978 \uc120\ud0dd\uc744 \ud558\ub294 \uac83\uc774 \ud30c\uc0b0 \uacb0\uacfc\ub97c \uc88c\uc6b0\ud569\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;\">Chapter 7 \u2014 \uccad\uc0b0\ud615 \ud30c\uc0b0<\/h2>\n<p style=\"margin:0 0 14px;font-size:16px;line-height:1.8;color:#1f1f1f;\">Chapter 7\uc740 \uc77c\uc815 \uc790\uc0b0\uc744 \uc81c\uc678\ud55c \ube44\uba74\uc81c \uc7ac\uc0b0\uc744 \uccad\uc0b0\ud574 \ucc44\ubb34\ub97c \uc18c\uac01\ud558\ub294 \uc808\ucc28\uc785\ub2c8\ub2e4. \uc2e0\uccad \uc790\uaca9\uc740 means test(\uc18c\ub4dd \uae30\uc900)\ub97c \ud1b5\uacfc\ud574\uc57c \ud558\uba70, \ub274\uc800\uc9c0 \uc911\uc559\uac12 \uc18c\ub4dd \uc774\ud558\uba74 \ube44\uad50\uc801 \uc27d\uac8c \ud1b5\uacfc, \uc774\uc0c1\uc774\uba74 \ucd94\uac00 \uc0b0\uc2dd\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4. \ubcf4\ud1b5 3~5\uac1c\uc6d4 \uc548\uc5d0 debt discharge\ub97c \ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:0 0 18px 22px;font-size:16px;line-height:1.85;color:#1f1f1f;\">\n<li style=\"margin:6px 0;\">\uc7a5\uc810: \ube60\ub978 \uc885\uacb0, \uc6d4 \uc0c1\ud658 \uc758\ubb34 \uc5c6\uc74c<\/li>\n<li style=\"margin:6px 0;\">\ub2e8\uc810: \ube44\uba74\uc81c \uc790\uc0b0 \uc0c1\uc2e4 \uac00\ub2a5, means test \ud1b5\uacfc \ud544\uc694<\/li>\n<li style=\"margin:6px 0;\">\uc804\ud615\uc801 \ub300\uc0c1: \uc18c\ub4dd \ub0ae\uace0 \ube44\uba74\uc81c \uc790\uc0b0\uc774 \uc801\uc740 \uac1c\uc778<\/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;\">Chapter 13 \u2014 \uc7ac\uc870\uc815\ud615 \ud30c\uc0b0<\/h2>\n<p style=\"margin:0 0 14px;font-size:16px;line-height:1.8;color:#1f1f1f;\">Chapter 13\uc740 3\ub144 \ub610\ub294 5\ub144\uc758 \uc0c1\ud658 \uacc4\ud68d\uc744 \ubc95\uc6d0\uc5d0 \uc81c\ucd9c\ud558\uace0, \uadf8 \uae30\uac04 \ub3d9\uc548 \ubd84\ud560 \uc0c1\ud658 \ud6c4 \uc794\uc5ec \ucc44\ubb34\ub97c \uc18c\uac01\ud569\ub2c8\ub2e4. \uc8fc\ud0dd \uc555\ub958\ub97c \uc911\uc9c0\ud558\uace0 \uccb4\ub0a9 \ubaa8\uae30\uc9c0\ub97c \uc815\ub9ac\ud558\uac70\ub098, \uc790\ub3d9\ucc28 \ub300\ucd9c\uc744 \uc7ac\uad6c\uc131\ud558\ub294 \uacbd\uc6b0\uc5d0 \uc720\ub9ac\ud569\ub2c8\ub2e4. 11 U.S.C. \u00a71322(b)(5)\uc5d0 \ub530\ub77c \ubaa8\uae30\uc9c0 \uccb4\ub0a9(arrearage)\uc744 \ud50c\ub79c \uc548\uc5d0\uc11c \ubd84\ud560 \uc0c1\ud658\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:0 0 18px 22px;font-size:16px;line-height:1.85;color:#1f1f1f;\">\n<li style=\"margin:6px 0;\">\uc7a5\uc810: \uc8fc\ud0dd\u00b7\ucc28\ub7c9 \uc720\uc9c0 \uac00\ub2a5, \uccb4\ub0a9 \ubaa8\uae30\uc9c0 \uc815\ub9ac<\/li>\n<li style=\"margin:6px 0;\">\ub2e8\uc810: 3~5\ub144 \ud50c\ub79c \uc9c0\uc18d \uc0c1\ud658 \uc758\ubb34<\/li>\n<li style=\"margin:6px 0;\">\uc804\ud615\uc801 \ub300\uc0c1: \uc548\uc815 \uc18c\ub4dd \uc788\uace0 \uc790\uc0b0\uc744 \uc9c0\ud0a4\uace0 \uc2f6\uc740 \uac1c\uc778<\/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;\">\uc5f0\ub9d0 \uc0c1\ub2f4 \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/h2>\n<ul style=\"margin:0 0 18px 22px;font-size:16px;line-height:1.85;color:#1f1f1f;\">\n<li style=\"margin:6px 0;\">\ucd5c\uadfc 6\uac1c\uc6d4 \uae09\uc5ec \uba85\uc138\uc11c<\/li>\n<li style=\"margin:6px 0;\">\ucd5c\uadfc 2\ub144\uce58 \uc138\uae08 \uc2e0\uace0\uc11c<\/li>\n<li style=\"margin:6px 0;\">\uc2e0\uc6a9\uce74\ub4dc\u00b7\ub300\ucd9c\u00b7\uc758\ub8cc\ube44 \ub4f1 \ubaa8\ub4e0 \ucc44\ubb34 \ubaa9\ub85d<\/li>\n<li style=\"margin:6px 0;\">\uc8fc\ud0dd\u00b7\ucc28\ub7c9\u00b7401(k)\u00b7IRA \ub4f1 \uc790\uc0b0 \ubaa9\ub85d<\/li>\n<li style=\"margin:6px 0;\">\uc608\uc815\ub41c \uc18c\ub4dd \ubcc0\ub3d9(\ubcf4\ub108\uc2a4\u00b7\uc5f0\ub9d0 \uc218\ub2f9\u00b7\uc2e4\uc9c1 \ub4f1) \uc5ec\ubd80<\/li>\n<li style=\"margin:6px 0;\">\uc138\uae08 \ud658\uae09 \uc608\uc815\uc561 (\ud658\uae09\uae08\uc774 \uacfc\ud558\uba74 pre-petition \uc790\uc0b0\uc73c\ub85c \ubd84\ub958\ub420 \uc218 \uc788\uc74c)<\/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;\">\uc138\uae08 \ud658\uae09\uacfc \ud30c\uc0b0\uc758 \uad00\uacc4<\/h2>\n<p style=\"margin:0 0 14px;font-size:16px;line-height:1.8;color:#1f1f1f;\">\uc5f0\ub9d0 \ub610\ub294 4\uc6d4 \uc138\uae08 \ud658\uae09\uc774 \ud070 \ubd84\uc740 timing\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud658\uae09\uc744 \ubc1b\uae30 \uc804 \uc2e0\uccad\ud558\uba74 \ud658\uae09\uae08\uc774 bankruptcy estate \uc790\uc0b0\uc73c\ub85c \ud3ec\ud568\ub3fc trustee\uac00 \uac00\uc838\uac08 \uc218 \uc788\ub294 \ubc18\uba74, \ud658\uae09\uc744 \uc218\ub839\u00b7\uc0ac\uc6a9\ud55c \ub4a4 \uc2e0\uccad\ud558\uba74 \ubcf4\ud638 \ubc94\uc704\uac00 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ub274\uc800\uc9c0 exemption \uaddc\uc815\uacfc federal exemption \uc911 \uc120\ud0dd\ub3c4 \uc804\ub7b5\uc801 \uacb0\uc815\uc785\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;\">\uc1a1\ub85c\ud38c \ud30c\uc0b0\ud300\uc758 \uc811\uadfc<\/h2>\n<p style=\"margin:0 0 14px;font-size:16px;line-height:1.8;color:#1f1f1f;\">\uc1a1\ub85c\ud38c\uc740 \ud30c\uc0b0 \uc2e0\uccad \uc804 \ubc18\ub4dc\uc2dc (1) debt \uad6c\uc870 \uc804\uc218 \uc870\uc0ac, (2) means test \uc0ac\uc804 \uacc4\uc0b0, (3) Chapter 7 vs 13 \ube44\uad50 \uc2dc\ubbac\ub808\uc774\uc158, (4) \ud658\uae09\u00b7\uc790\uc0b0\u00b7\uc8fc\ud0dd \uc601\ud5a5 \ubd84\uc11d\uc744 \uac70\uce5c \ub4a4 \uc2e0\uccad \uc5ec\ubd80\uc640 \ucc55\ud130\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4. \uc11c\ub450\ub974\uc9c0 \ub9d0\uace0 \uc62c\ubc14\ub978 \uadf8\ub9bc\uc744 \uba3c\uc800 \ubcf4\uc2ed\uc2dc\uc624.<\/p>\n<div 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;\">\ubc95\ub960 \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> \u00b7 \u2709 <a aria-label=\"Email mail@songlawfirm.com\" href=\"mailto:mail@songlawfirm.com\" style=\"color:#98344A;\">mail@songlawfirm.com<\/a> \u00b7 \ud83c\udf10 <a href=\"https:\/\/songlawfirm.com\/ko\/\" style=\"color:#98344A;\">songlawfirm.com<\/a><br \/>\n\ud83d\udccd Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<br \/>\n\ud83d\udd52 \uc6d4\u2013\uae08 09:00\u201318:00 ET (\uc8fc\ub9d0\u00b7\uacf5\ud734\uc77c \ud734\ubb34)<\/p>\n<\/div>\n<div 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;\"><strong>\uba74\ucc45 \uace0\uc9c0<\/strong> \u00b7 \ubcf8 \uce7c\ub7fc\uc740 \ub274\uc800\uc9c0\u00b7\ub274\uc695 \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, \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \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","protected":false},"excerpt":{"rendered":"<p>\uc5f0\ub9d0 \ud30c\uc0b0 \uc0c1\ub2f4 \uac00\uc774\ub4dc \u2014 Chapter 7\uacfc Chapter 13 \ube44\uad50, \uc138\uae08 \ud658\uae09 timing, \ub274\uc800\uc9c0 exemption \uace0\ub824\uc0ac\ud56d.<\/p>\n","protected":false},"author":7,"featured_media":29508,"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],"tags":[],"class_list":["post-29509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - 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