{"id":25879,"date":"2026-06-07T21:25:16","date_gmt":"2026-06-08T01:25:16","guid":{"rendered":"https:\/\/songlawfirm.com\/credit-card-chapter7-zh\/"},"modified":"2026-06-07T21:25:16","modified_gmt":"2026-06-08T01:25:16","slug":"credit-card-chapter7-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-chapter7-zh\/","title":{"rendered":"\u57cb\u4e8e\u4fe1\u7528\u5361\u503a\u52a1 \u2014 \u901a\u8fc7 Chapter 7 \u6d88\u9664 $80,000"},"content":{"rendered":"<h3><b>\u57cb\u4e8e\u4fe1\u7528\u5361\u503a\u52a1 \u2014 \u901a\u8fc7 Chapter 7 \u7834\u4ea7\u6d88\u9664 $80,000 \u503a\u52a1<\/b><\/h3>\n<p><b>[\u6848\u4ef6\u6982\u8981]<\/b> \u5ba2\u6237\u56e0\u533b\u7597\u7d27\u6025\u60c5\u51b5\u4e0e\u5de5\u4f5c\u5931\u4e1a\u7d2f\u79ef\u4e86 <b>$80,000 \u4fe1\u7528\u5361\u503a\u52a1<\/b>\u3002\u6708\u6700\u4f4e\u8fd8\u6b3e\u5df2\u8d85\u8fc7\u6536\u5165,\u503a\u52a1\u5f81\u6536\u516c\u53f8\u5f00\u59cb\u5a01\u80c1\u5de5\u8d44\u6263\u62bc(garnishment)\u4e0e\u94f6\u884c\u8d26\u6237\u51bb\u7ed3\u3002<\/p>\n<p><b>[Chapter 7 \u8d44\u683c\u5206\u6790]<\/b><\/p>\n<ul>\n<li><b>Means Test:<\/b> \u5ba2\u6237\u5bb6\u5ead\u6536\u5165\u4f4e\u4e8e NJ \u4e2d\u4f4d\u6570 ($95,000) \u2014 \u81ea\u52a8\u901a\u8fc7<\/li>\n<li><b>NJ Exemption \u9009\u62e9:<\/b> NJ \u5141\u8bb8\u9009\u62e9\u8054\u90a6\u6216\u5dde exemption,\u5ba2\u6237\u9009\u62e9\u8054\u90a6\u66f4\u4f18<\/li>\n<li><b>\u8d44\u4ea7:<\/b> \u4e3b\u8981\u623f\u5c4b $200,000 (\u6309\u63ed $180,000 \u6b8b\u503c)\u3001\u8f66\u8f86\u3001\u9000\u4f11\u91d1 401(k) \u2014 \u5747\u5728 exemption \u8303\u56f4\u5185<\/li>\n<\/ul>\n<p><b>[\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u6267\u884c]<\/b><\/p>\n<ul>\n<li><b>Pre-filing Credit Counseling:<\/b> \u6cd5\u5b9a\u8981\u6c42\u7684 credit counseling \u5b8c\u6210<\/li>\n<li><b>Schedule A-J \u51c6\u5907:<\/b> \u8d44\u4ea7\u3001\u8d1f\u503a\u3001\u6536\u5165\u3001\u652f\u51fa\u5b8c\u6574\u62ab\u9732<\/li>\n<li><b>341 Meeting of Creditors:<\/b> \u6cd5\u9662\u6258\u7ba1\u4eba\u9762\u8c08\u51c6\u5907 \u2014 \u5ba2\u6237\u4ece\u5bb9\u5e94\u5bf9\u6240\u6709\u95ee\u9898<\/li>\n<li><b>\ucc44\uad8c\uc790 \uc774\uc758 \ub300\uc751:<\/b> \u4e00\u5bb6\u4fe1\u7528\u5361\u516c\u53f8\u58f0\u79f0 &#8220;fraud&#8221;(\u6b3a\u8bc8) \u8bd5\u56fe\u963b\u6b62 discharge \u2014 \u53cd\u9a73\u540e\u64a4\u56de<\/li>\n<li><b>Discharge Order:<\/b> \u63d0\u4ea4\u540e 4 \u4e2a\u6708\u83b7\u5f97\u503a\u52a1 discharge \u547d\u4ee4<\/li>\n<\/ul>\n<p><b>[\u7ed3\u679c]<\/b><\/p>\n<ul>\n<li>$80,000 \u4fe1\u7528\u5361\u503a\u52a1 <b>\u5168\u989d\u514d\u9664<\/b><\/li>\n<li>\u5bb6\u5ead\u4e3b\u8981\u5c45\u6240\u4fdd\u7559 (Homestead Exemption)<\/li>\n<li>\u9000\u4f11\uae08 401(k) \ubcf4\ud638<\/li>\n<li>\u8f66\u8f86\u4fdd\u7559 (Vehicle Exemption $4,450)<\/li>\n<li>\u5de5\u8d44\u6263\u62bc\u4e0e\u94f6\u884c\u8d26\u6237\u51bb\uacb0 \ubaa8\ub450 \uc989\uc2dc \uc911\uc9c0<\/li>\n<li>\u5ba2\u6237\u5728 2 \u5e74 \ub0b4 \uc2e0\uc6a9 \uc810\uc218 \ud68c\ubcf5 \uc2dc\uc791<\/li>\n<\/ul>\n<p><b>\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240<\/b><\/p>\n<ul>\n<li><b>\ud83d\udccd \u5730\u5740:<\/b> Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024<\/li>\n<li><b>\ud83d\udcde \u7535\u8bdd:<\/b> (201) 461-0031<\/li>\n<li><b>\ud83d\udce7 \u90ae\u7bb1:<\/b> office@songlawfirm.com<\/li>\n<li><b>\ud83c\udf10 \u7f51\u7ad9:<\/b> <a href=\"https:\/\/www.songlawfirm.com\/\">www.songlawfirm.com<\/a><\/li>\n<\/ul>\n<p><i><b>\u514d\u8d23\u58f0\u660e:<\/b>\u6b64\u524d\u7ed3\u679c\u4e0d\u4fdd\u8bc1\u7c7b\u4f3c\u7ed3\u679c\u3002\u672c\u5185\u5bb9\u57fa\u4e8e\u4e00\u822c\u6cd5\u5f8b\u60c5\u5883\u4e0e\u8fc7\u5f80\u6848\u4f8b,\u4e0d\u6784\u6210\u6cd5\u5f8b\u5efa\u8bae\u3002\u8bf7\u5c31\u60a8\u7684\u5177\u4f53\u60c5\u51b5\u54a8\u8be2\u5f8b\u5e08\u3002<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u57cb\u4e8e\u4fe1\u7528\u5361\u503a\u52a1 \u2014 \u901a\u8fc7 Chapter 7 \u7834\u4ea7\u6d88\u9664 $8 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":24040,"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 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