{"id":26082,"date":"2026-06-19T08:40:00","date_gmt":"2026-06-19T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26082"},"modified":"2026-06-10T22:11:02","modified_gmt":"2026-06-11T02:11:02","slug":"credit-recovery-after-bankruptcy-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/credit-recovery-after-bankruptcy-zh\/","title":{"rendered":"\u7834\u4ea7\u540e\u4fe1\u7528\u6062\u590d \u2014 6 \u4e2a\u6708\u00b72 \u5e74\u00b77 \u5e74\u91cc\u7a0b\u7891\uff08FHA\u00b7\u5e38\u89c4\u62b5\u62bc\uff09"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\u534e\u88d4\u5ba2\u6237\u5bf9\u7834\u4ea7\u7684\u6700\u5927\u987e\u8651\u662f\u4fe1\u7528\u6062\u590d\u8270\u96be\u3002\u4e8b\u5b9e\u4e0a\uff0c\u514d\u9664\u540e\u5373\u53ef\u5f00\u59cb\u4fe1\u7528\u6062\u590d\uff0c\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u8bb8\u591a\u5ba2\u6237\u5728 3\u20135 \u5e74\u5185\u5c06\u4fe1\u7528\u5206\u6570\u6062\u590d\u81f3 700+\u3002<\/strong><\/p>\n<h2 class=\"wp-block-heading\">\u514d\u9664\u540e 0\u20136 \u4e2a\u6708<\/h2>\n<p class=\"wp-block-paragraph\">\u4fdd\u7559\u514d\u9664\u4ee4\u526f\u672c\u3002\u786e\u8ba4\u4e09\u5927\u4fe1\u7528\u5c40\uff08Equifax\u00b7Experian\u00b7TransUnion\uff09\u51c6\u786e\u5c06\u88ab\u514d\u9664\u8d26\u6237\u6807\u8bb0\u4e3a &#8220;$0 Balance, Discharged in Bankruptcy&#8221;\u3002\u7533\u8bf7\u62c5\u4fdd\u4fe1\u7528\u5361\uff08Secured Card\uff09\uff0c$300\u2013$500 \u62bc\u91d1\uff0c\u6bcf\u6708\u53ea\u7528\u989d\u5ea6\u7684 10\u201330% \u5e76\u5168\u989d\u8fd8\u6b3e\uff0c6 \u4e2a\u6708\u5185\u5206\u6570\u4f1a\u663e\u8457\u56de\u5347\u3002<\/p>\n<h2 class=\"wp-block-heading\">6 \u4e2a\u6708\u20132 \u5e74 \u2014 \u591a\u6837\u5316\u4fe1\u7528<\/h2>\n<p class=\"wp-block-paragraph\">\u589e\u52a0 1\u20132 \u5f20\u666e\u901a\u65e0\u62c5\u4fdd\u4fe1\u7528\u5361\u3002\u8f66\u8d37\u53ef\u8003\u8651\u4f46\u5229\u7387\u8f83\u9ad8\u9700\u8c28\u614e\u3002\u6240\u6709\u8d26\u5355\uff08\u6c34\u7535\u3001\u901a\u8baf\u3001\u79df\u91d1\uff09\u8bbe\u4e3a\u81ea\u52a8\u6263\u6b3e\uff0c\u907f\u514d\u4efb\u4f55\u903e\u671f\u3002<\/p>\n<h2 class=\"wp-block-heading\">2\u20135 \u5e74 \u2014 \u623f\u8d37\u518d\u5165\u95e8<\/h2>\n<p class=\"wp-block-paragraph\"><strong>FHA \u623f\u8d37\uff1a<\/strong>Chapter 7 \u514d\u9664\u540e 2 \u5e74\uff0cChapter 13 \u514d\u9664\u540e 1 \u5e74\uff08\u6216\u7533\u8bf7\u540e 2 \u5e74\uff09\u3002<br><strong>\u5e38\u89c4\u623f\u8d37\uff1a<\/strong>Chapter 7 \u514d\u9664\u540e 4 \u5e74\uff0cChapter 13 \u514d\u9664\u540e 2 \u5e74\u3002<br><strong>NJ vs NY \u623f\u4ef7\uff1a<\/strong>NJ \u4e2d\u4f4d\u7ea6 $48 \u4e07\uff0cNY \u5dde\u4e2d\u4f4d\u7ea6 $44 \u4e07\uff08NYC 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\u6bcf\u5e74\u514d\u8d39\u62c9\u53d6\u4fe1\u7528\u62a5\u544a\uff08annualcreditreport.com\uff09\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u534e\u88d4\u5ba2\u6237\u7279\u522b\u8bf4\u660e<\/h2>\n<p class=\"wp-block-paragraph\">\u4e2d\u56fd\/\u97e9\u56fd\u7684\u4fe1\u7528\u5361\u4e0e\u94f6\u884c\u8d26\u6237\u4e0d\u8ba1\u5165\u7f8e\u56fd\u4fe1\u7528\u8bc4\u5206\u3002\u7f8e\u56fd\u672c\u571f\u4fe1\u7528\u5386\u53f2\u6700\u5173\u952e\u3002\u8bb8\u591a\u534e\u88d4\/\u97e9\u88d4\u793e\u533a\u94f6\u884c\u63d0\u4f9b\u4e2d\u6587\/\u97e9\u6587\u670d\u52a1\u7684\u62c5\u4fdd\u4fe1\u7528\u5361\uff0c\u662f\u7406\u60f3\u8d77\u70b9\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>\u534e\u88d4\u5ba2\u6237\u5bf9\u7834\u4ea7\u7684\u6700\u5927\u987e\u8651\u662f\u4fe1\u7528\u6062\u590d\u8270\u96be\u3002\u4e8b\u5b9e\u4e0a\uff0c\u514d\u9664\u540e\u5373\u53ef\u5f00 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