{"id":26061,"date":"2026-06-12T08:40:00","date_gmt":"2026-06-12T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26061"},"modified":"2026-06-10T22:10:47","modified_gmt":"2026-06-11T02:10:47","slug":"nj-ny-bankruptcy-exemptions-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/nj-ny-bankruptcy-exemptions-zh\/","title":{"rendered":"NJ\u00b7NY \u7834\u4ea7\u8c41\u514d\uff08Exemption\uff09\u989d\u5ea6 \u2014 \u6211\u7684\u623f\u5b50\u3001\u8f66\u4e0e\u9000\u4f11\u91d1\u5b89\u5168\u5417\uff1f"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\u7834\u4ea7\u7533\u8bf7\u6700\u5173\u5fc3\u7684\u662f&#8221;\u6211\u7684\u8d22\u4ea7\u80fd\u4fdd\u4f4f\u591a\u5c11&#8221;\u3002\u7f8e\u56fd\u7834\u4ea7\u6cd5\u7b2c 522 \u6761\u5141\u8bb8\u5c06\u4e00\u5b9a\u8d44\u4ea7\u5217\u4e3a\u8c41\u514d\uff08Exempt\uff09\u3002<strong>NJ \u5c45\u6c11\u53ef\u5728\u8054\u90a6\u6216 NJ \u5dde\u8c41\u514d\u4e4b\u95f4\u4e8c\u9009\u4e00<\/strong>\uff0c<strong>NY \u5c45\u6c11\u53ef\u5728 NY \u5dde\u6216\u8054\u90a6\u8c41\u514d\u4e4b\u95f4\u4e8c\u9009\u4e00<\/strong>\u3002<\/strong><\/p>\n<h2 class=\"wp-block-heading\">\u8054\u90a6\u8c41\u514d\u4e3b\u8981\u989d\u5ea6\uff082026 \u5e74\uff09<\/h2>\n<p class=\"wp-block-paragraph\"><strong>\u4f4f\u623f<\/strong>\u6bcf\u4eba\u7ea6 $27,900\uff08\u592b\u59bb\u5171\u540c\u7ea6 $55,800\uff09\u3002<strong>\u8f66\u8f86<\/strong>\u6bcf\u8f86\u7ea6 $4,450\u3002<strong>401(k)\u00b7IRA<\/strong>\u5b9e\u9645\u4e0a\u65e0\u4e0a\u9650\uff08IRA \u7ea6 $1,512,350\uff09\u3002<strong>\u5bb6\u5177\u5bb6\u7535<\/strong>\u5408\u8ba1\u7ea6 $14,875\uff08\u5355\u4ef6 $700\uff09\u3002<strong>Wildcard<\/strong>\u7ea6 $1,475 \u52a0\u672a\u4f7f\u7528\u4f4f\u623f\u8c41\u514d\u7684 50%\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u7ebd\u7ea6\u5dde\u8c41\u514d\uff08CPLR \u00a7\u00a7 5205, 5206\uff09<\/h2>\n<p class=\"wp-block-paragraph\">NY \u4f4f\u623f\u4fdd\u62a4\u8fdc\u5f3a\u4e8e\u8054\u90a6\u3002<strong>NY Homestead<\/strong>\uff1a<strong>NYC\u00b7\u957f\u5c9b\u00b7Westchester $204,825<\/strong>\uff0c\u5176\u4ed6\u90e1\u7ea6 $102,400\u3002<strong>\u8f66\u8f86<\/strong>$4,825\uff08\u6b8b\u969c\u4eba\u58eb\u6539\u88c5\u8f66\u8f86\u6700\u9ad8 $11,975\uff09\u3002401(k)\u00b7IRA \u4e0e\u8054\u90a6\u540c\u7b49\u4fdd\u62a4\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u65b0\u6cfd\u897f\u5dde\u8c41\u514d<\/h2>\n<p class=\"wp-block-paragraph\">NJ \u5dde\u8c41\u514d\u8f83\u5f31\uff0c\u591a\u6570 NJ \u5c45\u6c11\u9009\u62e9\u8054\u90a6\u8c41\u514d\u3002\u7279\u6b8a\u60c5\u51b5\u4e0b\u5dde\u8c41\u514d\u53cd\u800c\u66f4\u6709\u5229\uff0c\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u6309\u6848\u5206\u6790\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u97e9\u56fd\/\u6d77\u5916\u8d44\u4ea7\u5982\u4f55\u5904\u7406<\/h2>\n<p class=\"wp-block-paragraph\">\u97e9\u56fd\u6216\u5176\u4ed6\u56fd\u5bb6\u7684\u8d44\u4ea7\uff08\u623f\u4ea7\u3001\u94f6\u884c\u8d26\u6237\uff09\u5fc5\u987b\u5728\u7834\u4ea7\u7533\u8bf7\u8868\u4e2d\u5982\u5b9e\u7533\u62a5\u3002\u6f0f\u62a5\u53ef\u80fd\u5bfc\u81f4\u514d\u9664\u88ab\u62d2\u751a\u81f3\u5211\u4e8b\u8d23\u4efb\u3002\u6d77\u5916\u8d44\u4ea7\u901a\u5e38\u4e0d\u4eab\u53d7\u7f8e\u56fd\u8c41\u514d\u4fdd\u62a4\uff0c\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u4f1a\u6307\u5bfc\u7533\u62a5\u4e0e\u4f30\u503c\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u5e38\u89c1\u95ee\u7b54<\/h2>\n<h3 class=\"wp-block-heading\">Q. \u521a\u4ece NJ \u642c\u5230 NY\uff0c\u80fd\u7528 NY \u8c41\u514d\u5417\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\u300211 U.S.C. \u00a7 522(b)(3)(A) \u89c4\u5b9a\u4f7f\u7528\u7533\u8bf7\u524d 730 \u65e5\u5185\u5c45\u4f4f\u65f6\u95f4\u8f83\u957f\u7684\u5dde\u7684\u8c41\u514d\u3002\u82e5\u672a\u5728 NY \u6ee1 730 \u65e5\uff0c\u5219\u53ea\u80fd\u4f7f\u7528\u8054\u90a6\u8c41\u514d\u3002<\/p>\n<h3 class=\"wp-block-heading\">Q. \u592b\u59bb\u5171\u540c\u7533\u8bf7\u8c41\u514d\u989d\u5ea6\u7ffb\u500d\u5417\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u8054\u90a6\u8c41\u514d\u5bf9\u592b\u59bb\u5171\u540c\u7533\u8bf7\u7ffb\u500d\uff08Homestead $55,800\uff09\u3002NY \u8c41\u514d\u4ec5\u90e8\u5206\u9879\u76ee\u7ffb\u500d\uff0c\u4f4f\u623f\u8c41\u514d\u6309\u6237\u800c\u975e\u6309\u4eba\u3002\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u4f1a\u9010\u6848\u6bd4\u8f83\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u7684\u627f\u8bfa<\/h2>\n<p class=\"wp-block-paragraph\">\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u4e3a NJ \u4e0e NY \u5730\u533a\u7684\u534e\u88d4\u4e0e\u97e9\u88d4\u5ba2\u6237\u63d0\u4f9b\u4ece\u7533\u8bf7\u524d\u4e0e\u503a\u6743\u4eba\u8c08\u5224\u3001\u8d44\u4ea7\u4fdd\u62a4\u7b56\u7565\uff0c\u5230\u514d\u9664\u540e\u4fe1\u7528\u6062\u590d\u7684\u5168\u6d41\u7a0b\u652f\u6301\u3002\u670d\u52a1\u8986\u76d6 Fort Lee\u3001Bergen County\u3001Hudson County \u7b49\u5730\uff0c\u63d0\u4f9b\u4e2d\u6587\u3001\u82f1\u6587\u3001\u97e9\u6587\u4e09\u8bed\u54a8\u8be2\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u514d\u8d39\u54a8\u8be2<\/h2>\n<ul class=\"wp-block-list\"><li>\ud83d\udcde <strong>(201) 461-0031<\/strong>\uff08\u5468\u4e00\u81f3\u5468\u4e94 09:00\u201318:00 ET\uff09<\/li><li>\u2709\ufe0f <strong>mail@songlawfirm.com<\/strong><\/li><li>\ud83d\udcac \u5fae\u4fe1\/KakaoTalk <strong>Song Law Firm<\/strong><\/li><li>\ud83c\udf10 <strong>www.songlawfirm.com<\/strong><\/li><\/ul>\n<p class=\"wp-block-paragraph\"><em>\u672c\u4e13\u680f\u4ec5\u4f5c\u4e00\u822c\u6cd5\u5f8b\u4fe1\u606f\u7528\u9014\uff0c\u4e0d\u6784\u6210\u5bf9\u5177\u4f53\u6848\u4ef6\u7684\u6cd5\u5f8b\u610f\u89c1\u3002\u9605\u8bfb\u672c\u6587\u6216\u4e0e\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u8054\u7cfb\u4e0d\u5f62\u6210\u5f8b\u5e08\u4e0e\u5ba2\u6237\u5173\u7cfb\u3002\u5177\u4f53\u6cd5\u5f8b\u95ee\u9898\u8bf7\u76f4\u63a5\u54a8\u8be2\u6709\u8d44\u683c\u7684\u5f8b\u5e08\u3002<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>\u7834\u4ea7\u7533\u8bf7\u6700\u5173\u5fc3\u7684\u662f&#8221;\u6211\u7684\u8d22\u4ea7\u80fd\u4fdd\u4f4f\u591a\u5c11&#038;#822 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26117,"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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