{"id":26005,"date":"2026-06-08T20:14:00","date_gmt":"2026-06-09T00:14:00","guid":{"rendered":"https:\/\/songlawfirm.com\/bankruptcy-law-zh\/"},"modified":"2026-06-08T22:04:37","modified_gmt":"2026-06-09T02:04:37","slug":"bankruptcy-law-zh","status":"publish","type":"page","link":"https:\/\/songlawfirm.com\/zh-hans\/%e4%b8%9a%e5%8a%a1%e9%a2%86%e5%9f%9f\/bankruptcy-law-zh\/","title":{"rendered":"\u7834\u4ea7\u6cd5"},"content":{"rendered":"\n\n<style>\n.slf-bk{font-family:\"Helvetica Neue\",Helvetica,Arial,\"Apple SD Gothic Neo\",\"Noto Sans KR\",sans-serif;color:#404040;line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased;}\n.slf-bk *{box-sizing:border-box;}\n.slf-bk .slf-wrap{max-width:1200px;margin:0 auto;padding:0 20px;}\n.slf-bk h2.slf-h2{font-size:32px;font-weight:700;text-align:center;color:#404040;margin:0 0 12px;line-height:1.3;word-break:keep-all;}\n.slf-bk h3.slf-h3{font-size:22px;font-weight:700;color:#404040;margin:0 0 12px;word-break:keep-all;}\n.slf-bk 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.slf-window-item{display:grid;grid-template-columns:90px 1fr;gap:24px;align-items:start;padding:24px 0;border-bottom:1px solid #ede9dd;}\n.slf-bk .slf-window-item:last-child{border-bottom:none;}\n.slf-bk .slf-window-time{background:#98344A;color:#fff;width:90px;padding:8px 0;text-align:center;border-radius:4px;font-weight:700;font-size:13px;letter-spacing:1px;}\n.slf-bk .slf-window-body h3{font-size:18px;font-weight:700;color:#404040;margin:0 0 6px;}\n.slf-bk .slf-window-body p{font-size:14px;color:#595959;margin:0;line-height:1.7;}\n.slf-bk .slf-results{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:1080px;margin:0 auto;}\n.slf-bk .slf-result-card{background:#fff;border:1px solid #ede9dd;border-radius:6px;padding:30px 24px;text-align:center;}\n.slf-bk .slf-result-amount{font-size:36px;font-weight:800;color:#98344A;letter-spacing:-1px;margin:0 0 8px;}\n.slf-bk .slf-result-tag{display:inline-block;font-size:11px;background:#98344A;color:#fff;padding:3px 12px;border-radius:12px;letter-spacing:1px;margin-bottom:12px;font-weight:700;}\n.slf-bk .slf-result-card p{font-size:14px;color:#595959;margin:0;line-height:1.6;}\n.slf-bk .slf-faq{max-width:880px;margin:0 auto;}\n.slf-bk .slf-faq details{background:#fff;border:1px solid #ede9dd;border-radius:6px;padding:0;margin:0 0 14px;}\n.slf-bk .slf-faq summary{padding:20px 24px;font-weight:700;cursor:pointer;font-size:16px;color:#404040;list-style:none;position:relative;padding-right:54px;}\n.slf-bk .slf-faq summary::-webkit-details-marker{display:none;}\n.slf-bk .slf-faq summary::after{content:\"+\";position:absolute;right:24px;top:50%;transform:translateY(-50%);font-size:24px;color:#98344A;font-weight:300;}\n.slf-bk .slf-faq details[open] summary::after{content:\"\u2212\";}\n.slf-bk .slf-faq details > div{padding:0 24px 22px;font-size:15px;color:#595959;line-height:1.75;word-break:keep-all;}\n.slf-bk .slf-areas{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;max-width:1080px;margin:0 auto;}\n.slf-bk .slf-area-card{background:#fff;border:1px solid #ede9dd;border-radius:6px;padding:22px 24px;}\n.slf-bk .slf-area-card h3{font-size:16px;font-weight:700;color:#98344A;margin:0 0 8px;}\n.slf-bk .slf-area-card p{font-size:13px;color:#595959;margin:0;line-height:1.6;}\n.slf-bk .slf-cta-row{display:flex;gap:18px;justify-content:center;flex-wrap:wrap;margin-top:32px;}\n.slf-bk .slf-btn{display:inline-block;padding:16px 34px;border-radius:4px;font-weight:700;font-size:14px;letter-spacing:1.5px;text-transform:uppercase;text-decoration:none;transition:.2s;}\n.slf-bk .slf-btn--primary{background:#98344A;color:#fff;border:2px solid #98344A;}\n.slf-bk .slf-btn--primary:hover{background:#7a293b;border-color:#7a293b;}\n.slf-bk .slf-btn--outline{background:transparent;color:#E5D398;border:2px solid #E5D398;}\n.slf-bk .slf-btn--outline:hover{background:#E5D398;color:#404040;}\n.slf-hero-langs{display:inline-block;padding:10px 26px;margin:0 auto 26px;border:1px solid rgba(229,211,152,.45);border-radius:40px;background:rgba(229,211,152,.06);font-size:15px;color:#E5D398;letter-spacing:.5px;font-weight:500;word-break:keep-all;}\n.slf-hero-langs strong{font-weight:700;color:#fff;}\n@media (max-width:780px){\n.slf-bk .slf-hero h1{font-size:28px;}\n.slf-bk .slf-hero{padding:80px 0 60px;}\n.slf-bk .slf-section{padding:60px 0;}\n.slf-bk h2.slf-h2{font-size:22px;}\n.slf-bk .slf-team{grid-template-columns:1fr;}\n.slf-bk .slf-scope{grid-template-columns:1fr;}\n.slf-bk .slf-results{grid-template-columns:1fr;}\n.slf-bk .slf-areas{grid-template-columns:1fr;}\n.slf-bk .slf-hero-stats{gap:24px;}\n}\n<\/style>\n\n<div class=\"slf-bk\">\n\n<section class=\"slf-hero\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240 \u00b7 \u4e1a\u52a1\u9886\u57df<\/p>\n<h1>NJ\u00b7NY \u7834\u4ea7\u6cd5\u5f8b\u5e08\u4e8b\u52a1\u6240<\/h1>\n<p class=\"slf-hero-langs\"><strong>\u4e2d\u6587<\/strong> \u00b7 <strong>\ud55c\uad6d\uc5b4<\/strong> \u00b7 English \u6bcd\u8bed\u76f4\u63a5\u54a8\u8be2<\/p>\n<p class=\"slf-hero-tag\">\u4e3a\u9762\u4e34\u503a\u52a1\u538b\u529b\u7684\u534e\u4eba\u00b7\u97e9\u88d4\u5bb6\u5ead\u4e0e\u4e2d\u5c0f\u4f01\u4e1a\u63d0\u4f9b Chapter 7\u00b713\u00b711\/Subchapter V \u5408\u6cd5\u503a\u52a1\u8c41\u514d\u4e0e\u4f01\u4e1a\u91cd\u7ec4 \u2014 \u540c\u6b65\u5904\u7406\u4e2d\u56fd\u4e0e\u97e9\u56fd\u8d44\u4ea7\u7684\u8de8\u5883\u7533\u62a5\u3002<\/p>\n<div class=\"slf-hero-stats\">\n<div class=\"slf-hero-stat\"><strong>3 \u540d<\/strong><span>\u7834\u4ea7\u4e13\u8d23\u5f8b\u5e08<\/span><\/div>\n<div class=\"slf-hero-stat\"><strong>NJ \u00b7 NY<\/strong><span>\u8054\u90a6\u7834\u4ea7\u6cd5\u9662\u6267\u4e1a\u8d44\u683c<\/span><\/div>\n<div class=\"slf-hero-stat\"><strong>\u4e2d\u00b7\u82f1\u00b7\u97e9<\/strong><span>\u5f8b\u5e08\u76f4\u63a5\u54a8\u8be2<\/span><\/div>\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--alt\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">01 \u00b7 \u5f8b\u5e08\u56e2\u961f<\/p>\n<h2 class=\"slf-h2\">\u4e09\u4f4d\u5f8b\u5e08,\u4e00\u4e2a\u4f7f\u547d \u2014 \u60a8\u7684\u5168\u65b0\u5f00\u59cb\u3002<\/h2>\n<p class=\"slf-lead\">\u7834\u4ea7\u662f\u8d22\u52a1\u91cd\u542f,\u975e\u4e2a\u4eba\u5931\u8d25\u3002\u6211\u4eec\u7684\u56e2\u961f\u4ece Means Test \u8bc4\u4f30\u5230 341 \u503a\u6743\u4eba\u4f1a\u8bae\u4e0e\u514d\u8d23\u4ee4\u9881\u53d1 \u2014 \u9996\u65e5\u8d77\u7531\u8d44\u6df1\u5f8b\u5e08\u76f4\u63a5\u76d1\u7763\u3002<\/p>\n<div class=\"slf-team\">\n<a class=\"slf-att-card\" href=\"https:\/\/songlawfirm.com\/zh-hans\/our-lawyers\/joseph-song\/\">\n<img decoding=\"async\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/JosephSong2022-2.webp\" alt=\"\u5b8b\u4e1c\u6d69\u5f8b\u5e08\">\n<h3>\u5b8b\u4e1c\u6d69 \u5f8b\u5e08<\/h3>\n<p class=\"slf-att-role\">\u521b\u59cb\u4eba \u00b7 \u4e3b\u7ba1\u5f8b\u5e08<\/p>\n<p>\u524d Fortune 500 CEO\u3002NJ\u00b7NY\u00b7TX\u00b7GA \u56db\u5dde\u6267\u4e1a\u8d44\u683c\u300220 \u5e74\u4f01\u4e1a\u4e0e\u4e2a\u4eba\u7834\u4ea7\u6218\u7565 \u2014 \u5546\u4e1a\u6d1e\u5bdf\u4e0e\u6cd5\u5f8b\u6743\u5a01\u7684\u7ed3\u5408\u3002<\/p>\n<\/a>\n<a class=\"slf-att-card\" href=\"https:\/\/songlawfirm.com\/zh-hans\/?page_id=14987\">\n<img decoding=\"async\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard.webp\" alt=\"Howard Z. Myerowitz \u5f8b\u5e08\" onerror=\"this.onerror=null;this.src='https:\/\/songlawfirm.com\/wp-content\/uploads\/2023\/10\/Attorneys_howard.jpg'\">\n<h3>Howard Z. Myerowitz \u5f8b\u5e08<\/h3>\n<p class=\"slf-att-role\">\u8d44\u6df1\u7834\u4ea7\u987e\u95ee\u5f8b\u5e08<\/p>\n<p>\u6570\u5341\u5e74 NJ \u8054\u90a6\u7834\u4ea7\u6cd5\u9662\u6267\u4e1a\u3002Chapter 7\u00b713\u00b711 \u590d\u6742\u6848\u4ef6\u4e3b\u5bfc\u5f8b\u5e08\u3002Trustee \u8c08\u5224\u4e13\u5bb6\u3002<\/p>\n<\/a>\n<a class=\"slf-att-card\" href=\"https:\/\/songlawfirm.com\/zh-hans\/our-lawyers\/joshua-s-lee-esq\/\">\n<img decoding=\"async\" src=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/01\/attorneys_JoshuaLee.webp\" alt=\"Joshua S. Lee \u5f8b\u5e08\" onerror=\"this.onerror=null;this.src='https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/01\/attorneys_JoshuaLee.jpeg'\" loading=\"lazy\" decoding=\"async\">\n<h3>Joshua S. Lee \u5f8b\u5e08<\/h3>\n<p class=\"slf-att-role\">\u52a9\u7406\u5f8b\u5e08 \u00b7 \u6d88\u8d39\u8005\u7834\u4ea7<\/p>\n<p>Chapter 7\u00b713 \u6848\u4ef6\u76f4\u63a5\u7ba1\u7406\u3002\u5ba2\u6237\u76f4\u63a5\u5bf9\u63a5 \u2014 \u4ece\u63a5\u6848\u5230 341 \u4f1a\u8bae\u3001\u514d\u8d23\u4ee4\u7684\u5168\u7a0b\u966a\u540c\u3002<\/p>\n<\/a>\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">02 \u00b7 \u4e1a\u52a1\u8303\u56f4<\/p>\n<h2 class=\"slf-h2\">\u7efc\u5408\u7834\u4ea7 \u00b7 \u503a\u52a1\u89e3\u51b3\u65b9\u6848\u3002<\/h2>\n<p class=\"slf-lead\">\u4ece\u4e2a\u4eba\u503a\u52a1\u538b\u529b\u5230\u4e2d\u5c0f\u4f01\u4e1a\u91cd\u7ec4 \u2014 \u5339\u914d\u60a8\u7684\u5177\u4f53\u60c5\u51b5\u3001\u5bb6\u5ead\u8d23\u4efb\u4e0e\u957f\u671f\u76ee\u6807\u3002<\/p>\n<div class=\"slf-scope\">\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">CHAPTER 7<\/span>\n<h3>\u4e2a\u4eba\u6e05\u7b97\u7834\u4ea7<\/h3>\n<p>4-6 \u4e2a\u6708\u5185\u5168\u9762\u8c41\u514d\u65e0\u62c5\u4fdd\u503a\u52a1(\u4fe1\u7528\u5361\u00b7\u533b\u7597\u00b7\u4e2a\u4eba\u8d37\u6b3e)\u3002\u5927\u591a\u6570\u5ba2\u6237\u901a\u8fc7 NJ \u514d\u7a0e\u989d\u4fdd\u7559\u4f4f\u5b85\u00b7\u8f66\u8f86\u00b7\u9000\u4f11\u8d26\u6237\u4e0e\u5fc5\u9700\u4e2a\u4eba\u8d22\u4ea7\u3002<\/p>\n<ul>\n<li>Means Test \u8d44\u683c\u5ba1\u67e5(NJ \u4e2d\u4f4d\u6536\u5165\u5bf9\u6bd4)<\/li>\n<li>NJ Homestead Exemption \u7b56\u7565(\u8054\u90a6 $25,150 \u6216 NJ \u5dde)<\/li>\n<li>\u9000\u4f11\u8d26\u6237(401(k)\u00b7IRA)\u4fdd\u62a4<\/li>\n<li>\u5de5\u8d44\u6263\u62bc\u00b7\u94f6\u884c\u6263\u62bc\u5373\u523b\u7ec8\u6b62<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">CHAPTER 13<\/span>\n<h3>\u91cd\u7ec4 \u00b7 \u623f\u8d37\u8ffd\u8865<\/h3>\n<p>3-5 \u5e74\u6cd5\u9662\u76d1\u7ba1\u8fd8\u6b3e\u8ba1\u5212\u3002\u9002\u5408\u4f4f\u623f\u8d37\u6b3e\u62d6\u6b20\u8005\u3001\u8d85\u51fa Means Test \u8005\u3001\u975e\u53ef\u8c41\u514d\u7a0e\u52a1\u00b7\u5b66\u8d37\u9700\u91cd\u7ec4\u8005\u3002<\/p>\n<ul>\n<li>60 \u4e2a\u6708\u5206\u671f\u507f\u8fd8\u623f\u8d37\u62d6\u6b20\u6b3e<\/li>\n<li>\u8f66\u8f86\u8d37\u6b3e cram-down(\u8001\u65e7\u8f66\u8f86)<\/li>\n<li>\u7a0e\u52a1\u503a\u52a1\u91cd\u7ec4(\u4f18\u5148\u00b7\u975e\u4f18\u5148)<\/li>\n<li>\u8054\u7f72\u4eba\u4fdd\u62a4(\u4f18\u4e8e Chapter 7 \u7684\u4f18\u52bf)<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">CHAPTER 11 \/ SUB V<\/span>\n<h3>\u4e2d\u5c0f\u4f01\u4e1a\u91cd\u7ec4<\/h3>\n<p>\u9910\u5385\u00b7\u7f8e\u5bb9\u6c99\u9f99\u00b7\u96f6\u552e\u00b7\u4e13\u4e1a\u670d\u52a1\u9762\u4e34\u623f\u4e1c\u00b7\u4f9b\u5e94\u5546\u00b7SBA \u8d37\u6b3e\u5371\u673a\u3002Subchapter V(2020)\u4e3a\u503a\u52a1 $7.5M \u4ee5\u4e0b\u7684\u5c0f\u4f01\u4e1a\u8bbe\u8ba1\u7684\u7b80\u5316\u7a0b\u5e8f\u3002<\/p>\n<ul>\n<li>\u5546\u4e1a\u79df\u7ea6\u62d2\u7edd\u6216\u91cd\u7ec4<\/li>\n<li>SBA EIDL\u00b7PPP \u8d37\u6b3e\u91cd\u7ec4<\/li>\n<li>\u4f9b\u5e94\u5546\u00b7\u5546\u5bb6\u503a\u52a1\u8c08\u5224<\/li>\n<li>\u91cd\u7ec4\u671f\u95f4\u8fd0\u8425\u8fde\u7eed\u6027<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">\u8de8\u5883\u8d44\u4ea7<\/span>\n<h3>\u4e2d\u56fd\u00b7\u97e9\u56fd\u8d44\u4ea7\u7533\u62a5<\/h3>\n<p>\u534e\u4eba\u00b7\u97e9\u88d4\u503a\u52a1\u4eba\u6709\u72ec\u7279\u7533\u62a5\u4e49\u52a1 \u2014 \u4e2d\u56fd\u623f\u4ea7\u00b7\u9999\u6e2f\u00b7\u4e0a\u6d77\u8d26\u6237\u00b7\u5bb6\u65cf\u4f01\u4e1a\u80a1\u6743\u3002\u672a\u7533\u62a5 = \u514d\u8d23\u88ab\u62d2 + \u5211\u4e8b\u8d23\u4efb\u3002<\/p>\n<ul>\n<li>FBAR\u00b7Form 8938 \u4e0e\u7834\u4ea7\u6e05\u5355\u534f\u8c03<\/li>\n<li>\u4e2d\u56fd\u00b7\u97e9\u56fd\u9057\u4ea7\u4e0e\u5bb6\u65cf\u4f01\u4e1a\u80a1\u6743<\/li>\n<li>\u5883\u5916\u8d26\u6237\u514d\u7a0e\u989d\u5206\u6790<\/li>\n<li>\u4e2d\u6587\u00b7\u97e9\u8bed Trustee \u9762\u8c08\u51c6\u5907<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">\u6b62\u8d4e\u9632\u5fa1<\/span>\n<h3>\u4fdd\u62a4\u60a8\u7684\u4f4f\u5b85\u514d\u906d\u6b62\u8d4e<\/h3>\n<p>NJ \u6b62\u8d4e\u7a0b\u5e8f\u4e3a\u7f8e\u56fd\u6700\u957f\u4e4b\u4e00(\u5e73\u5747 3 \u5e74\u4ee5\u4e0a),\u4f46\u6700\u7ec8\u4ee5\u8b66\u957f\u62cd\u5356\u544a\u7ec8\u3002Chapter 13 \u81ea\u52a8\u4e2d\u6b62\u4ee4\u5373\u523b\u505c\u6b62\u62cd\u5356,\u534f\u5546\u8d37\u6b3e\u4fee\u6539\u6216\u4ea4\u56de\u3002<\/p>\n<ul>\n<li>\u9884\u5b9a\u8b66\u957f\u62cd\u5356\u5373\u523b\u4e2d\u6b62<\/li>\n<li>NJ \u6b62\u8d4e\u8c03\u89e3\u9879\u76ee\u534f\u8c03<\/li>\n<li>\u8d37\u6b3e\u4fee\u6539(Loan Modification)\u8c08\u5224<\/li>\n<li>HOA\u00b7\u7a0e\u52a1\u7559\u7f6e\u6743\u89e3\u51b3<\/li>\n<\/ul>\n<\/div>\n\n<div class=\"slf-scope-card\">\n<span class=\"slf-scope-tag\">\u503a\u6743\u4eba\u9632\u5fa1<\/span>\n<h3>\u7834\u4ea7\u524d\u503a\u6743\u4eba\u9a9a\u6270\u9632\u5fa1<\/h3>\n<p>NJ \u6d88\u8d39\u8005\u6b3a\u8bc8\u9632\u62a4\u6cd5\u00b7\u8054\u90a6 FDCPA \u63d0\u4f9b\u7834\u4ea7\u7533\u8bf7\u524d\u7684\u503a\u6743\u4eba\u9a9a\u6270\u5373\u523b\u7ec8\u6b62\u5de5\u5177\u3002\u6709\u65f6\u503a\u52a1\u548c\u89e3\u53ef\u5728\u4e0d\u7533\u8bf7\u7834\u4ea7\u7684\u60c5\u51b5\u4e0b\u89e3\u51b3\u3002<\/p>\n<ul>\n<li>FDCPA \u6846\u67b6\u4e0b Cease &amp; Desist \u901a\u77e5<\/li>\n<li>\u5de5\u8d44\u6263\u62bc\u00b7\u94f6\u884c\u6263\u62bc\u5f02\u8bae<\/li>\n<li>\u503a\u52a1\u548c\u89e3(\u901a\u5e38 40-60%)\u8c08\u5224<\/li>\n<li>FDCPA \u00a7809 \u503a\u52a1\u9a8c\u8bc1\u8981\u6c42<\/li>\n<\/ul>\n<\/div>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--alt\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">03 \u00b7 \u5173\u952e\u65f6\u673a<\/p>\n<h2 class=\"slf-h2\">\u65f6\u673a\u51b3\u5b9a\u4e00\u5207\u7684\u77ac\u95f4\u3002<\/h2>\n<p class=\"slf-lead\">\u7834\u4ea7\u6cd5\u7684\u622a\u6b62\u65e5\u671f\u4e25\u683c\u65e0\u60c5\u3002\u9002\u65f6\u884c\u52a8\u53ef\u4fdd\u7559\u82e5\u62d6\u5ef6\u5219\u6d88\u5931\u7684\u9009\u62e9\u3002<\/p>\n<div class=\"slf-window\">\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">90 \u5929<\/div>\n<div class=\"slf-window-body\">\n<h3>\u7834\u4ea7\u524d\u4fe1\u7528\u5361\u6d88\u8d39<\/h3>\n<p>\u7834\u4ea7\u7533\u8bf7\u524d 90 \u5929\u5185\u6bcf\u4f4d\u503a\u6743\u4eba $725 \u4ee5\u4e0a\u6d88\u8d39\u63a8\u5b9a\u4e3a&#8221;\u5962\u4f88\u54c1&#8221; \u2014 \u514d\u8d23\u53ef\u80fd\u88ab\u62d2\u300270 \u5929\u5185\u73b0\u91d1\u9884\u501f\u540c\u7406\u3002\u7533\u8bf7\u65f6\u673a\u7684\u6218\u7565\u91cd\u8981\u6027\u3002<\/p>\n<\/div>\n<\/div>\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">1 \u5e74<\/div>\n<div class=\"slf-window-body\">\n<h3>\u5bb6\u4eba\u540d\u4e0b\u8d22\u4ea7\u8f6c\u79fb<\/h3>\n<p>1 \u5e74\u5185\u5bb6\u4eba\u8d44\u4ea7\u8f6c\u79fb(\u4eb2\u5c5e 2 \u5e74)\u53ef\u88ab Trustee \u4f5c\u4e3a\u6b3a\u8bc8\u6027\u8f6c\u8ba9\u8ffd\u56de\u3002\u534e\u4eba\u00b7\u97e9\u88d4\u5bb6\u65cf\u8d44\u4ea7\u8f6c\u79fb\u7279\u522b\u4e25\u683c\u5ba1\u67e5\u3002<\/p>\n<\/div>\n<\/div>\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">2 \u5e74<\/div>\n<div class=\"slf-window-body\">\n<h3>Means Test \u6536\u5165\u56de\u6eaf<\/h3>\n<p>Chapter 7 \u8d44\u683c\u4f7f\u7528\u7533\u8bf7\u524d 6 \u4e2a\u6708\u5e73\u5747\u6536\u5165\u3002\u5956\u91d1\u6216\u6362\u5de5\u4f5c\u540e\u7b49\u5f85\u6570\u6708\u7684\u6218\u7565\u53ef\u5c06 Means Test \u7ed3\u679c\u6539\u53d8\u6570\u4e07\u7f8e\u5143\u3002<\/p>\n<\/div>\n<\/div>\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">8 \u5e74<\/div>\n<div class=\"slf-window-body\">\n<h3>Chapter 7 \u518d\u7533\u8bf7\u95f4\u9694<\/h3>\n<p>\u524d\u6b21 Chapter 7 \u514d\u8d23\u540e 8 \u5e74\u5185\u4e0d\u5f97\u518d\u7533\u8bf7\u3002Chapter 13 \u2192 Chapter 7 \u4e3a 4 \u5e74\u89c4\u5219\u3002\u82e5\u6709\u524d\u6b21\u7533\u8bf7,\u65f6\u673a\u81f3\u5173\u91cd\u8981\u3002<\/p>\n<\/div>\n<\/div>\n\n<div class=\"slf-window-item\">\n<div class=\"slf-window-time\">\u4eca\u5929<\/div>\n<div class=\"slf-window-body\">\n<h3>\u5de5\u8d44\u6263\u62bc\u00b7\u94f6\u884c\u6263\u62bc\u00b7\u8b66\u957f\u62cd\u5356<\/h3>\n<p>Automatic Stay \u5728\u7533\u8bf7\u63d0\u4ea4\u77ac\u95f4\u751f\u6548\u3002\u82e5\u60a8\u7684\u5de5\u8d44\u6b63\u88ab\u6263\u62bc\u00b7\u8d26\u6237\u88ab\u51bb\u7ed3\u00b7\u4f4f\u5b85\u9884\u5b9a\u8b66\u957f\u62cd\u5356 \u2014 \u4eca\u65e5\u7533\u8bf7\u5373\u523b\u7ec8\u6b62\u3002\u90e8\u5206\u51c6\u5907\u72b6\u6001\u4e5f\u53ef\u5e94\u6025\u7533\u8bf7\u3002<\/p>\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">04 \u00b7 \u6848\u4f8b\u6210\u679c<\/p>\n<h2 class=\"slf-h2\">\u4ee5\u5ba2\u6237\u7684\u6210\u529f\u5b9a\u4e49\u6211\u4eec\u3002<\/h2>\n<p class=\"slf-lead\">\u4e2a\u4eba\u4e0e\u4e2d\u5c0f\u4f01\u4e1a\u4ee3\u8868\u6027\u6848\u4f8b\u3002\u8fc7\u5f80\u7ed3\u679c\u4e0d\u4fdd\u8bc1\u672a\u6765\u7ed3\u679c\u3002<\/p>\n<div class=\"slf-results\">\n\n<div class=\"slf-result-card\">\n<span class=\"slf-result-tag\">CHAPTER 7<\/span>\n<div class=\"slf-result-amount\">$80,000<\/div>\n<p>Bergen County \u5bb6\u5ead\u4fe1\u7528\u5361\u00b7\u533b\u7597\u503a\u52a1\u5168\u9762\u8c41\u514d\u3002\u4f4f\u5b85\u00b7\u9000\u4f11\u8d26\u6237\u4fdd\u7559\u3002<\/p>\n<\/div>\n\n<div class=\"slf-result-card\">\n<span class=\"slf-result-tag\">\u7834\u4ea7\u524d\u89e3\u51b3<\/span>\n<div class=\"slf-result-amount\">$150,000<\/div>\n<p>\u75ab\u60c5\u540e\u9910\u5385\u5012\u95ed\u7684\u4e2a\u4eba\u8fde\u5e26\u62c5\u4fdd\u503a\u52a1\u901a\u8fc7\u503a\u6743\u4eba\u91cd\u7ec4\u89e3\u51b3\u3002\u5b8c\u5168\u907f\u514d\u7834\u4ea7\u3002<\/p>\n<\/div>\n\n<div class=\"slf-result-card\">\n<span class=\"slf-result-tag\">CHAPTER 13<\/span>\n<div class=\"slf-result-amount\">3 \u5e74<\/div>\n<p>Fort Lee \u97e9\u88d4\u5bb6\u5ead\u623f\u8d37\u62d6\u6b20\u8ffd\u8865\u3002\u4f4f\u5b85\u4fdd\u4f4f + $45,000 \u65e0\u62c5\u4fdd\u503a\u52a1\u8c41\u514d\u3002<\/p>\n<\/div>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--alt\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">05 \u00b7 \u5e38\u89c1\u95ee\u9898<\/p>\n<h2 class=\"slf-h2\">\u7834\u4ea7\u95ee\u9898,\u76f4\u63a5\u56de\u7b54\u3002<\/h2>\n<div class=\"slf-faq\">\n\n<details>\n<summary>\u7533\u8bf7 Chapter 7 \u7834\u4ea7\u4f1a\u5931\u53bb\u4f4f\u5b85\u5417?<\/summary>\n<div>\u5927\u591a\u6570\u5ba2\u6237\u4fdd\u7559\u4f4f\u5b85\u3002NJ \u5141\u8bb8\u8054\u90a6\u4e0e\u5dde\u514d\u7a0e\u989d\u4e8c\u9009\u4e00\u3002\u8054\u90a6 Homestead Exemption \u4fdd\u62a4\u6bcf\u4eba $27,900 \u4f4f\u5b85\u51c0\u503c(\u592b\u5987 $55,800)\u3002\u82e5\u51c0\u503c\u8d85\u8fc7\u514d\u7a0e\u989d\u4f46\u53ef\u5411 Trustee \u652f\u4ed8\u5dee\u989d\u6216\u6263\u9664\u623f\u8d37\u540e\u65e0\u5b9e\u9645\u53ef\u53d8\u73b0\u51c0\u503c,\u4f4f\u5b85\u4fdd\u7559\u3002Chapter 13 \u4e3a\u9ad8\u51c0\u503c\u4f4f\u5b85\u63d0\u4f9b\u989d\u5916\u5de5\u5177\u3002<\/div>\n<\/details>\n\n<details>\n<summary>\u8f66\u8f86\u53ef\u4ee5\u4fdd\u7559\u5417?<\/summary>\n<div>\u5927\u591a\u6570\u53ef\u4ee5\u3002\u8054\u90a6\u8f66\u8f86\u514d\u7a0e\u989d\u4fdd\u62a4 $4,450 \u51c0\u503c\u3002\u82e5\u6309\u671f\u4ed8\u6b3e\u4e14\u5e0c\u671b\u4fdd\u7559,\u53ef\u91cd\u65b0\u786e\u8ba4(Reaffirmation)\u6216 Chapter 13 \u4fee\u6539\u8d37\u6b3e\u6761\u4ef6\u3002\u8001\u65e7\u8f66\u8f86 Chapter 13 \u4e2d\u53ef cram-down \u5c06\u8d37\u6b3e\u989d\u964d\u81f3\u8f66\u8f86\u5b9e\u9645\u4ef7\u503c\u3002<\/div>\n<\/details>\n\n<details>\n<summary>401(k) \u4e0e IRA \u600e\u4e48\u529e?<\/summary>\n<div>\u9000\u4f11\u8d26\u6237\u53d7\u4fdd\u62a4\u3002401(k)\u00b7403(b)\u00b7\u517b\u8001\u91d1\u6839\u636e ERISA \u5b8c\u5168\u514d\u7a0e\u3002IRA \u6700\u9ad8 $1,512,350(2024 \u5e74\u9650\u989d,\u5b9a\u671f\u8c03\u6574)\u514d\u7a0e\u3002\u7834\u4ea7\u524d\u63d0\u53d6\u9000\u4f11\u8d44\u91d1\u507f\u8fd8\u503a\u6743\u4eba\u901a\u5e38\u662f\u9519\u8bef \u2014 \u5931\u53bb\u53d7\u4fdd\u62a4\u8d44\u91d1\u53bb\u507f\u8fd8\u539f\u672c\u53ef\u5728\u7834\u4ea7\u4e2d\u8c41\u514d\u7684\u503a\u52a1\u3002<\/div>\n<\/details>\n\n<details>\n<summary>\u7834\u4ea7\u53ef\u7acb\u5373\u505c\u6b62\u5de5\u8d44\u6263\u62bc\u5417?<\/summary>\n<div>\u662f\u3002Automatic Stay(11 USC \u00a7 362)\u5728\u7533\u8bf7\u63d0\u4ea4\u77ac\u95f4\u751f\u6548,\u7981\u6b62\u6240\u6709\u50ac\u6536\u884c\u4e3a,\u5305\u62ec\u5de5\u8d44\u6263\u62bc\u00b7\u94f6\u884c\u6263\u62bc\u00b7\u8bc9\u8bbc\u00b7\u503a\u6743\u4eba\u7535\u8bdd\u3002\u96c7\u4e3b\u4e0e\u503a\u6743\u4eba\u6570\u65e5\u5185\u901a\u77e5\u3002\u7533\u8bf7\u524d 90 \u5929\u5185\u88ab\u6263\u62bc\u91d1\u989d\u53ef\u4f5c\u4e3a\u4f18\u5148\u4ed8\u6b3e\u56de\u6536\u3002<\/div>\n<\/details>\n\n<details>\n<summary>\u6211\u5728\u4e2d\u56fd\u00b7\u97e9\u56fd\u6709\u623f\u4ea7,\u5fc5\u987b\u7533\u62a5\u5417?<\/summary>\n<div>\u662f,\u7edd\u5bf9\u5fc5\u987b\u3002\u7834\u4ea7\u6e05\u5355\u8981\u6c42\u7533\u62a5\u5168\u7403\u8d44\u4ea7\u00b7\u6536\u5165\u3002\u672a\u7533\u62a5\u5883\u5916\u623f\u4ea7\u00b7\u4f01\u4e1a\u80a1\u6743\u00b7\u9057\u4ea7\u6784\u6210\u7834\u4ea7\u6b3a\u8bc8(\u514d\u8d23\u88ab\u62d2 + \u5211\u4e8b\u8d23\u4efb)\u3002\u6211\u4eec\u7684\u8de8\u5883\u56e2\u961f\u534f\u8c03\u4e2d\u56fd\u00b7\u97e9\u56fd\u623f\u4ea7\u00b7\u4f01\u4e1a\u80a1\u6743\u00b7\u5bb6\u65cf\u9057\u4ea7\u4e0e\u7f8e\u56fd\u7834\u4ea7\u7533\u8bf7\u3002<\/div>\n<\/details>\n\n<details>\n<summary>\u5c0f\u9910\u5385\u00b7\u7f8e\u5bb9\u6c99\u9f99\u53ef\u4ee5\u7533\u8bf7 Chapter 11 Subchapter V \u5417?<\/summary>\n<div>\u603b\u503a\u52a1 $7,500,000 \u4ee5\u4e0b(2024 \u5e74\u9650\u989d)\u65f6,Subchapter V \u6b63\u662f\u4e3a\u4e2d\u5c0f\u4f01\u4e1a\u8bbe\u8ba1\u3002\u6bd4\u4f20\u7edf Chapter 11 \u5feb\u5f97\u591a\u4e14\u4fbf\u5b9c\u3002\u4e1a\u4e3b\u4fdd\u7559\u63a7\u5236\u6743,90 \u5929\u5185\u786e\u8ba4\u8ba1\u5212,3-5 \u5e74\u507f\u8fd8\u3002\u9002\u5408\u9762\u4e34\u75ab\u60c5\u503a\u52a1\u00b7\u4f9b\u5e94\u5546\u5371\u673a\u7684\u534e\u4eba\u00b7\u97e9\u88d4\u9910\u5385\u00b7\u6c99\u9f99\u00b7\u96f6\u552e\u5e97\u3002<\/div>\n<\/details>\n\n<details>\n<summary>\u7834\u4ea7\u5982\u4f55\u5f71\u54cd\u4fe1\u7528\u8bc4\u5206?<\/summary>\n<div>\u521d\u671f\u4e0b\u964d 100-200 \u5206\u5e38\u89c1\u3002\u4f46\u56e0\u8d1f\u503a\u6bd4\u6025\u5267\u6539\u5584,\u8bb8\u591a\u5ba2\u6237 18-24 \u4e2a\u6708\u5185\u8bc4\u5206\u6062\u590d\u5230 600 \u591a\u5206\u3002\u591a\u6570\u5ba2\u6237\u5728 Chapter 7 \u514d\u8d23 2 \u5e74\u540e\u7b26\u5408 FHA \u623f\u8d37\u8d44\u683c,4 \u5e74\u540e\u7b26\u5408\u5e38\u89c4\u623f\u8d37\u8d44\u683c\u3002<\/div>\n<\/details>\n\n<details>\n<summary>\u975e\u7f8e\u56fd\u516c\u6c11\u53ef\u4ee5\u7533\u8bf7\u7834\u4ea7\u5417?<\/summary>\n<div>\u53ef\u4ee5\u3002\u7f8e\u56fd\u5c45\u4f4f\u8005\u6216\u5728\u7f8e\u56fd\u6709\u8d44\u4ea7\u8005\u65e0\u8bba\u79fb\u6c11\u8eab\u4efd\u5747\u53ef\u7533\u8bf7\u7834\u4ea7\u3002\u4f46\u9700\u8bc4\u4f30\u79fb\u6c11\u540e\u679c \u2014 \u5c24\u5176\u7eff\u5361\u7533\u8bf7\u8005\u3002\u672c\u6240\u9700\u8981\u65f6\u4e0e\u79fb\u6c11\u5f8b\u5e08\u534f\u4f5c\u3002<\/div>\n<\/details>\n\n<details>\n<summary>\u672c\u6240\u7834\u4ea7\u7533\u8bf7\u8d39\u7528?<\/summary>\n<div>\u5f8b\u5e08\u8d39\u6839\u636e\u6848\u4ef6\u590d\u6742\u6027(Chapter\u00b7\u8d44\u4ea7\u590d\u6742\u5ea6\u00b7\u4f01\u4e1a\u6d89\u53ca)\u3002\u6cd5\u9662\u7533\u8bf7\u8d39:Chapter 7 = $338,Chapter 13 = $313,Chapter 11 Subchapter V = $1,738\u3002\u591a\u6570\u6d88\u8d39\u8005 Chapter 7 \u6848\u4ef6\u91c7\u7528\u5b9a\u989d\u6536\u8d39\u3002\u521d\u6b21\u54a8\u8be2\u514d\u8d39 \u2014 \u59d4\u6258\u524d\u63d0\u4f9b\u6e05\u6670\u4e66\u9762\u62a5\u4ef7\u3002<\/div>\n<\/details>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--dark\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">06 \u00b7 \u670d\u52a1\u533a\u57df<\/p>\n<h2 class=\"slf-h2\">NJ\u00b7NY \u8054\u90a6\u7834\u4ea7\u6cd5\u9662\u6267\u4e1a\u3002<\/h2>\n<p class=\"slf-lead\">NJ(\u7ebd\u74e6\u514b\u00b7\u7279\u4f26\u987f\u00b7\u5361\u59c6\u767b)\u4e0e NY(\u5357\u533a\u00b7\u4e1c\u533a)\u8054\u90a6\u7834\u4ea7\u6cd5\u9662\u3002Fort Lee \u603b\u90e8 \u2014 \u670d\u52a1 NJ \u5168\u5883\u4e0e NY \u5927\u90fd\u4f1a\u533a\u3002<\/p>\n<div class=\"slf-areas\">\n\n<div class=\"slf-area-card\">\n<h3>Fort Lee \u00b7 Bergen County<\/h3>\n<p>Edgewater \u00b7 Cliffside Park \u00b7 Englewood \u00b7 Hackensack \u00b7 Palisades Park \u00b7 Ridgefield \u00b7 Tenafly \u00b7 Leonia\u3002Parker Plaza \u603b\u90e8\u3002<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>Hudson County<\/h3>\n<p>Jersey City \u00b7 Hoboken \u00b7 Union City \u00b7 Weehawken \u00b7 West New York \u00b7 North Bergen\u3002NJ \u8054\u90a6\u7834\u4ea7\u6cd5\u9662\u7ebd\u74e6\u514b\u5206\u5ead\u3002<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>Essex \u00b7 Passaic \u00b7 Morris<\/h3>\n<p>Newark \u00b7 Paterson \u00b7 Clifton \u00b7 Wayne \u00b7 Morristown \u00b7 Parsippany\u3002NJ \u5317\u90e8\u5f3a\u5927\u7684\u534e\u4eba\u00b7\u97e9\u88d4\u5546\u4e1a\u793e\u533a\u3002<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>NY \u66fc\u54c8\u987f \u00b7 \u5e03\u6717\u514b\u65af<\/h3>\n<p>NY \u5357\u533a\u7834\u4ea7\u6cd5\u9662\u3002NJ-NY \u8de8\u5883\u5546\u4e1a\u00b7\u5bb6\u4e8b\u6848\u4ef6\u8054\u90a6\u6cd5\u9662\u6267\u4e1a\u8d44\u683c\u3002<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>NY \u7687\u540e\u533a \u00b7 \u5e03\u9c81\u514b\u6797 \u00b7 \u957f\u5c9b<\/h3>\n<p>NY \u4e1c\u533a\u3002Flushing \u00b7 Bayside \u00b7 Astoria \u00b7 Sunset Park \u534e\u4eba\u00b7\u97e9\u88d4\u793e\u533a\u3002<\/p>\n<\/div>\n\n<div class=\"slf-area-card\">\n<h3>NJ \u4e2d\u00b7\u5357\u90e8<\/h3>\n<p>Edison \u00b7 New Brunswick \u00b7 Princeton \u00b7 Cherry Hill \u00b7 Marlton\u3002\u7279\u4f26\u987f\u00b7\u5361\u59c6\u767b\u8054\u90a6\u7834\u4ea7\u6cd5\u9662\u3002<\/p>\n<\/div>\n\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section\">\n<div class=\"slf-wrap\">\n<p class=\"slf-eyebrow\">07 \u00b7 \u6700\u65b0\u6587\u7ae0<\/p>\n<h2 class=\"slf-h2\">\u7834\u4ea7\u6cd5\u6d1e\u5bdf \u00b7 \u66f4\u65b0\u3002<\/h2>\n<p class=\"slf-lead\">NJ \u7834\u4ea7\u6cd5\u3001\u4f01\u4e1a\u91cd\u7ec4\u4e0e\u8de8\u5883\u503a\u52a1\u7b56\u7565\u7684\u6700\u65b0\u6587\u7ae0\u3002<\/p>\n<div style=\"text-align:center;margin-top:30px;\">\n<a href=\"\/zh-hans\/category\/legal-columns-zh\/\" class=\"slf-btn slf-btn--primary\">\u67e5\u770b\u5168\u90e8\u6587\u7ae0<\/a>\n<\/div>\n<\/div>\n<\/section>\n\n<section class=\"slf-section slf-section--dark\">\n<div class=\"slf-wrap\" style=\"text-align:center;\">\n<p class=\"slf-eyebrow\">08 \u00b7 \u8054\u7cfb\u6211\u4eec<\/p>\n<h2 class=\"slf-h2\">\u5168\u65b0\u5f00\u59cb,\u59cb\u4e8e\u4e00\u6b21\u5bf9\u8bdd\u3002<\/h2>\n<p class=\"slf-lead\">\u514d\u8d39\u521d\u6b21\u54a8\u8be2\u3002\u4e2d\u6587\u00b7\u97e9\u8bed\u00b7\u82f1\u8bed\u76f4\u63a5\u5f8b\u5e08\u54a8\u8be2\u3002\u65e0\u9700\u7ffb\u8bd1,\u9996\u65e5\u8d77\u8d44\u6df1\u5f8b\u5e08\u76f4\u63a5\u5904\u7406\u60a8\u7684\u6848\u4ef6\u3002<\/p>\n<div class=\"slf-cta-row\">\n<a aria-label=\"Call  12014610031\" href=\"tel:+12014610031\" class=\"slf-btn slf-btn--primary\">\u7535\u8bdd (201) 461-0031<\/a>\n<a href=\"https:\/\/songlawfirm.com\/contact\/\" class=\"slf-btn slf-btn--outline\">\u514d\u8d39\u54a8\u8be2\u7533\u8bf7<\/a>\n<\/div>\n<p style=\"font-size:13px;color:#d8d4c8;margin-top:30px;\">\nParker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024 \u00b7 office@songlawfirm.com\n<\/p>\n<\/div>\n<\/section>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240 \u00b7 \u4e1a\u52a1\u9886\u57df NJ\u00b7NY \u7834\u4ea7\u6cd5\u5f8b\u5e08\u4e8b\u52a1\u6240  [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":15021,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","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":"disabled","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 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