{"id":26067,"date":"2026-06-14T08:40:00","date_gmt":"2026-06-14T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26067"},"modified":"2026-06-10T22:10:51","modified_gmt":"2026-06-11T02:10:51","slug":"credit-card-debt-alternatives-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/","title":{"rendered":"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\u8bb8\u591a\u534e\u88d4\u5ba2\u6237\u56e0\u4fe1\u7528\u5361\u503a\u52a1\u800c\u54a8\u8be2\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u3002\u7834\u4ea7\u4f1a\u5728\u4fe1\u7528\u62a5\u544a\u7559\u5b58 7\u201310 \u5e74\uff0c\u56e0\u6b64\u6211\u4eec\u5148\u8bc4\u4f30\u7834\u4ea7\u4e4b\u5916\u7684\u65b9\u6848\u3002<\/strong><\/p>\n<h2 class=\"wp-block-heading\">\u65b9\u6848 1 \u2014 \u4e0e\u503a\u6743\u4eba\u76f4\u63a5\u534f\u5546\uff08Debt Settlement\uff09<\/h2>\n<p class=\"wp-block-paragraph\">\u4fe1\u7528\u5361\u903e\u671f\u4e00\u6bb5\u65f6\u95f4\u540e\uff0c\u53d1\u5361\u65b9\u5e38\u63a5\u53d7\u672c\u91d1 40\u201360% \u7684\u4e00\u6b21\u6027\u548c\u89e3\u3002\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u4ee3\u8868\u5ba2\u6237\u53d6\u5f97\u4e66\u9762\u548c\u89e3\uff0c\u5e76\u6307\u5bfc\u540e\u7eed\u4fe1\u7528\u6062\u590d\u3002\u88ab\u514d\u9664\u503a\u52a1\u53ef\u80fd\u4ea7\u751f 1099-C \u7a0e\u52a1\u5f71\u54cd\uff0c\u9700\u4e00\u5e76\u8bc4\u4f30\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u65b9\u6848 2 \u2014 \u503a\u52a1\u5408\u5e76\u8d37\u6b3e\uff08Debt Consolidation\uff09<\/h2>\n<p class=\"wp-block-paragraph\">\u5c06\u591a\u5f20\u4fe1\u7528\u5361\u5408\u5e76\u4e3a\u5355\u7b14\u4f4e\u5229\u7387\u8d37\u6b3e\u3002\u8981\u6c42\u4e00\u5b9a\u7684\u4fe1\u7528\u5206\u6570\u4e0e\u62b5\u62bc\uff08\u5982\u623f\u5c4b\u51c0\u503c\uff09\uff0c\u5e76\u975e\u4eba\u4eba\u9002\u7528\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u65b9\u6848 3 \u2014 \u4fe1\u7528\u54a8\u8be2\u673a\u6784\uff08CCA\uff09\u503a\u52a1\u7ba1\u7406\u8ba1\u5212\uff08DMP\uff09<\/h2>\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u975e\u8425\u5229\u4fe1\u7528\u54a8\u8be2\u673a\u6784\u5728 3\u20135 \u5e74\u5185\u5206\u671f\u507f\u8fd8\uff0c\u53ef\u83b7\u5229\u7387\u4e0b\u8c03\u4e0e\u6ede\u7eb3\u91d1\u51cf\u514d\uff0c\u4f46\u9700\u6240\u6709\u503a\u6743\u4eba\u540c\u610f\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u65b9\u6848 4 \u2014 \u5229\u7528\u503a\u52a1\u65f6\u6548<\/h2>\n<p class=\"wp-block-paragraph\"><strong>\u65b0\u6cfd\u897f\uff08N.J.S.A. 2A:14-1\uff09\uff1a<\/strong>\u4fe1\u7528\u5361\u503a\u52a1\u65f6\u6548 6 \u5e74\u3002<br><strong>\u7ebd\u7ea6\uff08CPLR \u00a7 213\uff09\uff1a<\/strong>\u65f6\u6548 6 \u5e74\uff1b2022 \u5e74 CCFA \u5b9e\u65bd\u540e\u503a\u6743\u8f6c\u552e\u540e\u4e0d\u5f97\u91cd\u65b0\u8d77\u7b97\u3002<br>\u65f6\u6548\u5c06\u5c4a\u6ee1\u7684\u503a\u52a1\u9700\u614e\u91cd\u8bc4\u4f30\uff0c\u6700\u540e\u4e00\u6b21\u4ed8\u6b3e\u6216\u4e66\u9762\u627f\u8ba4\u53ef\u80fd\u91cd\u65b0\u8d77\u7b97\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u4f55\u65f6\u7533\u8bf7\u7834\u4ea7\u66f4\u4f18<\/h2>\n<p class=\"wp-block-paragraph\">(1) \u65e0\u62c5\u4fdd\u503a\u52a1\u8d85\u8fc7\u5e74\u6536\u5165 50%\uff1b(2) \u5df2\u88ab\u8d77\u8bc9\u6216\u6536\u5230\u5de5\u8d44\u6263\u62bc\u901a\u77e5\uff1b(3) \u533b\u7597\u8d39\u3001\u5931\u4e1a\u7b49\u5bfc\u81f4\u77ed\u671f\u5185\u96be\u4ee5\u6062\u590d\uff1b(4) \u4fe1\u7528\u5361\u4e4b\u5916\u8fd8\u6709\u533b\u7597\u4e0e\u4e2a\u4eba\u8d37\u6b3e\u53e0\u52a0\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u5e38\u89c1\u95ee\u7b54<\/h2>\n<h3 class=\"wp-block-heading\">Q. \u4e2d\u56fd\/\u97e9\u56fd\u53d1\u884c\u7684\u4fe1\u7528\u5361\u503a\u52a1\u80fd\u5728\u7f8e\u56fd\u7834\u4ea7\u4e2d\u514d\u9664\u5417\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u4e2d\u56fd\u6216\u97e9\u56fd\u53d1\u884c\u7684\u4fe1\u7528\u5361\u503a\u52a1\u5728\u7f8e\u56fd\u7834\u4ea7\u6cd5\u4e0b\u89c6\u4e3a\u4e00\u822c\u65e0\u62c5\u4fdd\u503a\u52a1\uff0c\u53ef\u5728 Chapter 7 \u4e2d\u514d\u9664\u3002\u4f46\u662f\u5426\u80fd\u963b\u6b62\u503a\u6743\u4eba\u5728\u539f\u56fd\u7684\u6267\u884c\u5c5e\u4e8e\u53e6\u4e00\u95ee\u9898\uff0c\u82e5\u5728\u539f\u56fd\u6709\u8d44\u4ea7\u5219\u9700\u534f\u540c\u5f53\u5730\u5f8b\u5e08\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>\u8bb8\u591a\u534e\u88d4\u5ba2\u6237\u56e0\u4fe1\u7528\u5361\u503a\u52a1\u800c\u54a8\u8be2\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u3002\u7834\u4ea7\u4f1a\u5728\u4fe1\u7528\u62a5 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26119,"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":[357,359],"tags":[4141,4142,4137,4138,4139,4140],"class_list":["post-26067","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-357","category--columns","tag-nj-","tag-ny-","tag-4137","tag-4138","tag-4139","tag-4140"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09 - Song Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, New Jersey\" \/>\n<meta property=\"og:url\" content=\"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/\" \/>\n<meta property=\"og:site_name\" content=\"Song Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/songlawfirmllc\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-14T12:40:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/bankruptcy-col-day4.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"607\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Claude Marketing\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"Claude Marketing\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/\"},\"author\":{\"name\":\"Claude Marketing\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/#\\\/schema\\\/person\\\/1db4c93b62802ad8db0a6ee498a2506d\"},\"headline\":\"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09\",\"datePublished\":\"2026-06-14T12:40:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/\"},\"wordCount\":39,\"publisher\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/bankruptcy-col-day4.jpg\",\"keywords\":[\"NJ \u503a\u52a1\",\"NY \u503a\u52a1\",\"\u4fe1\u7528\u5361\u503a\u52a1\",\"\u503a\u52a1\u548c\u89e3\",\"\u65f6\u6548\",\"\u7834\u4ea7\u66ff\u4ee3\"],\"articleSection\":[\"\u6cd5\u5f8b\u4e13\u680f\",\"\u7834\u4ea7\u6cd5\"],\"inLanguage\":\"zh-Hans\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/\",\"name\":\"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09 - Song Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/bankruptcy-col-day4.jpg\",\"datePublished\":\"2026-06-14T12:40:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#breadcrumb\"},\"inLanguage\":\"zh-Hans\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#primaryimage\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/bankruptcy-col-day4.jpg\",\"contentUrl\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/bankruptcy-col-day4.jpg\",\"width\":1080,\"height\":607},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/home26\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/#website\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/\",\"name\":\"Song Law Firm\",\"description\":\"NY NJ Attorney | Global Legal Service\",\"publisher\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh-Hans\"},{\"@type\":[\"Organization\",\"Place\"],\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/#organization\",\"name\":\"Song Law Firm\",\"alternateName\":\"Song Law Firm\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/\",\"logo\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#local-main-organization-logo\"},\"image\":{\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#local-main-organization-logo\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/songlawfirmllc\"],\"description\":\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, NJ\",\"legalName\":\"Song Law Firm\",\"foundingDate\":\"2012-06-14\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"11\",\"maxValue\":\"50\"},\"ownershipFundingInfo\":\"https:\\\/\\\/songlawfirm.com\\\/ko\\\/%eb%b3%80%ed%98%b8%ec%82%ac\\\/joseph-song\\\/\",\"telephone\":[],\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\",\"Saturday\",\"Sunday\"],\"opens\":\"09:00\",\"closes\":\"17:00\"}]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/#\\\/schema\\\/person\\\/1db4c93b62802ad8db0a6ee498a2506d\",\"name\":\"Claude Marketing\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/author\\\/claude-marketing\\\/\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\\\/\\\/songlawfirm.com\\\/zh-hans\\\/credit-card-debt-alternatives-zh\\\/#local-main-organization-logo\",\"url\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/favicon.webp\",\"contentUrl\":\"https:\\\/\\\/songlawfirm.com\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/favicon.webp\",\"width\":500,\"height\":500,\"caption\":\"Song Law Firm\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09 - Song Law Firm","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/","og_locale":"zh_CN","og_type":"article","og_title":"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09","og_description":"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, New Jersey","og_url":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/","og_site_name":"Song Law Firm","article_publisher":"https:\/\/www.facebook.com\/songlawfirmllc","article_published_time":"2026-06-14T12:40:00+00:00","og_image":[{"width":1080,"height":607,"url":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/bankruptcy-col-day4.jpg","type":"image\/jpeg"}],"author":"Claude Marketing","twitter_card":"summary_large_image","twitter_misc":{"\u4f5c\u8005":"Claude Marketing"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#article","isPartOf":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/"},"author":{"name":"Claude Marketing","@id":"https:\/\/songlawfirm.com\/zh-hans\/#\/schema\/person\/1db4c93b62802ad8db0a6ee498a2506d"},"headline":"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09","datePublished":"2026-06-14T12:40:00+00:00","mainEntityOfPage":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/"},"wordCount":39,"publisher":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/#organization"},"image":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#primaryimage"},"thumbnailUrl":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/bankruptcy-col-day4.jpg","keywords":["NJ \u503a\u52a1","NY \u503a\u52a1","\u4fe1\u7528\u5361\u503a\u52a1","\u503a\u52a1\u548c\u89e3","\u65f6\u6548","\u7834\u4ea7\u66ff\u4ee3"],"articleSection":["\u6cd5\u5f8b\u4e13\u680f","\u7834\u4ea7\u6cd5"],"inLanguage":"zh-Hans"},{"@type":"WebPage","@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/","url":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/","name":"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09 - Song Law Firm","isPartOf":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/#website"},"primaryImageOfPage":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#primaryimage"},"image":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#primaryimage"},"thumbnailUrl":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/bankruptcy-col-day4.jpg","datePublished":"2026-06-14T12:40:00+00:00","breadcrumb":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#breadcrumb"},"inLanguage":"zh-Hans","potentialAction":[{"@type":"ReadAction","target":["https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/"]}]},{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#primaryimage","url":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/bankruptcy-col-day4.jpg","contentUrl":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/bankruptcy-col-day4.jpg","width":1080,"height":607},{"@type":"BreadcrumbList","@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/songlawfirm.com\/zh-hans\/home26\/"},{"@type":"ListItem","position":2,"name":"\u4fe1\u7528\u5361\u503a\u52a1\u7684\u7834\u4ea7\u4e4b\u5916 4 \u79cd\u9009\u62e9\uff08\u542b NJ\u00b7NY \u65f6\u6548\u5206\u6790\uff09"}]},{"@type":"WebSite","@id":"https:\/\/songlawfirm.com\/zh-hans\/#website","url":"https:\/\/songlawfirm.com\/zh-hans\/","name":"Song Law Firm","description":"NY NJ Attorney | Global Legal Service","publisher":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/songlawfirm.com\/zh-hans\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-Hans"},{"@type":["Organization","Place"],"@id":"https:\/\/songlawfirm.com\/zh-hans\/#organization","name":"Song Law Firm","alternateName":"Song Law Firm","url":"https:\/\/songlawfirm.com\/zh-hans\/","logo":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#local-main-organization-logo"},"image":{"@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#local-main-organization-logo"},"sameAs":["https:\/\/www.facebook.com\/songlawfirmllc"],"description":"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, NJ","legalName":"Song Law Firm","foundingDate":"2012-06-14","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"11","maxValue":"50"},"ownershipFundingInfo":"https:\/\/songlawfirm.com\/ko\/%eb%b3%80%ed%98%b8%ec%82%ac\/joseph-song\/","telephone":[],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday","Saturday","Sunday"],"opens":"09:00","closes":"17:00"}]},{"@type":"Person","@id":"https:\/\/songlawfirm.com\/zh-hans\/#\/schema\/person\/1db4c93b62802ad8db0a6ee498a2506d","name":"Claude Marketing","url":"https:\/\/songlawfirm.com\/zh-hans\/author\/claude-marketing\/"},{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/songlawfirm.com\/zh-hans\/credit-card-debt-alternatives-zh\/#local-main-organization-logo","url":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/09\/favicon.webp","contentUrl":"https:\/\/songlawfirm.com\/wp-content\/uploads\/2022\/09\/favicon.webp","width":500,"height":500,"caption":"Song Law Firm"}]}},"_links":{"self":[{"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/posts\/26067","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=26067"}],"version-history":[{"count":1,"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/posts\/26067\/revisions"}],"predecessor-version":[{"id":26097,"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/posts\/26067\/revisions\/26097"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/media\/26119"}],"wp:attachment":[{"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=26067"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=26067"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/songlawfirm.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=26067"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}