{"id":26085,"date":"2026-06-20T08:40:00","date_gmt":"2026-06-20T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26085"},"modified":"2026-06-10T22:11:04","modified_gmt":"2026-06-11T02:11:04","slug":"joint-vs-individual-bankruptcy-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/joint-vs-individual-bankruptcy-zh\/","title":{"rendered":"\u592b\u59bb\u5171\u540c\u7834\u4ea7 vs \u5355\u72ec\u7834\u4ea7 \u2014 \u8c01\u66f4\u6709\u5229\uff1f\uff08\u97e9\u56fd\u7ed3\u5a5a\u8bc1\u3001\u79fb\u6c11\u8eab\u4efd\u8003\u91cf\uff09"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\u7f8e\u56fd\u7834\u4ea7\u6cd5\u7b2c 302 \u6761\u5141\u8bb8\u592b\u59bb\u63d0\u4ea4\u5355\u4e00\u5171\u540c\u7834\u4ea7\u7533\u8bf7\u3002$338 \u7684\u540c\u4e00\u7533\u8bf7\u8d39\u53ef\u8986\u76d6\u592b\u59bb\u53cc\u65b9\u503a\u52a1\u4e0e\u8d44\u4ea7\uff0c\u8282\u7701\u65f6\u95f4\u4e0e\u6210\u672c\u3002<\/strong><\/p>\n<h2 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<strong>\u53e6\u4e00\u65b9\u540d\u4e49\u8d44\u4ea7\u9700\u4fdd\u62a4<\/strong>\u3002(3) <strong>\u53e6\u4e00\u65b9\u4e3a\u81ea\u8425\u4e1a\u8005<\/strong>\u2014\u4fdd\u7559\u7ecf\u8425\u4fe1\u7528\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u79bb\u5a5a\u8fdb\u884c\u4e2d\u7684\u592b\u59bb<\/h2>\n<p class=\"wp-block-paragraph\">\u5904\u4e8e\u79bb\u5a5a\u7a0b\u5e8f\u4e2d\u4ecd\u53ef\u5171\u540c\u7533\u8bf7\uff0c\u53ea\u8981\u5a5a\u59fb\u5173\u7cfb\u5408\u6cd5\u5b58\u7eed\u3002\u82e5\u79bb\u5a5a\u8d44\u4ea7\/\u503a\u52a1\u5206\u5272\u4ee4\u5df2\u751f\u6548\uff0c\u5219\u5355\u72ec\u7533\u8bf7\u66f4\u5408\u9002\u3002\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u4e0e\u5bb6\u4e8b\u6cd5\u5f8b\u5e08\u534f\u540c\u5904\u7406\u79bb\u5a5a\u4e0e\u7834\u4ea7\u5e76\u884c\u6848\u4ef6\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u79fb\u6c11\u8eab\u4efd\u8003\u91cf<\/h2>\n<p class=\"wp-block-paragraph\">\u7eff\u5361\u6301\u6709\u8005\u4e0e\u7b7e\u8bc1\u6301\u6709\u8005\u4ea6\u53ef\u5171\u540c\u7533\u8bf7\u3002\u7f8e\u56fd\u7834\u4ea7\u6cd5\u4e0d\u4ee5\u79fb\u6c11\u8eab\u4efd\u4e3a\u6761\u4ef6\u3002\u4f46\u7834\u4ea7\u8bb0\u5f55\u5bf9\u6301\u7b7e\u8005\u672a\u6765\u7b7e\u8bc1\u7eed\u7b7e\u6216\u7eff\u5361\u7533\u8bf7\u53ef\u80fd\u4ea7\u751f\u5f71\u54cd\uff0c\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u79fb\u6c11\u56e2\u961f\u4f1a\u63d0\u524d\u8bc4\u4f30\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u6d77\u5916\u7ed3\u5a5a\u8bc1\u4e66<\/h2>\n<p class=\"wp-block-paragraph\">\u5728\u4e2d\u56fd\u3001\u97e9\u56fd\u6216\u4ed6\u56fd\u767b\u8bb0\u7684\u7ed3\u5a5a\u8bc1\u4e66\uff0c\u7ecf\u8ba4\u8bc1\uff08apostille\uff09\u4e0e\u7ffb\u8bd1\u516c\u8bc1\u540e\uff0c\u5728\u7f8e\u56fd\u7834\u4ea7\u6cd5\u9662\u88ab\u8ba4\u53ef\u4e3a\u5408\u6cd5\u5a5a\u59fb\u5173\u7cfb\u8bc1\u660e\u3002<\/p>\n<h2 class=\"wp-block-heading\">Means Test \u5f71\u54cd<\/h2>\n<p class=\"wp-block-paragraph\">\u5171\u540c\u7533\u8bf7\u65f6\u5bb6\u5ead\u6536\u5165\u5408\u5e76\u8ba1\u7b97\u3002\u82e5\u4e00\u65b9\u6536\u5165\u663e\u8457\u8f83\u9ad8\u53ef\u80fd\u65e0\u6cd5\u8d70 Chapter 7\uff0c\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u5148\u505a\u6a21\u62df\u3002<\/p>\n<h2 class=\"wp-block-heading\">\u5e38\u89c1\u95ee\u7b54<\/h2>\n<h3 class=\"wp-block-heading\">Q. \u4e00\u65b9\u4f4f NJ\u3001\u53e6\u4e00\u65b9\u4f4f NY \u600e\u4e48\u529e\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u5404\u81ea\u53ef\u5728\u5c45\u4f4f\u5730\u6cd5\u9662\u5355\u72ec\u7533\u8bf7\u3002\u5171\u540c\u7533\u8bf7\u9700\u5728\u540c\u4e00\u6cd5\u9662\uff0c\u56e0\u6b64\u5c45\u4f4f\u5730\u4e0d\u540c\u65f6\u901a\u5e38\u5355\u72ec\u7533\u8bf7\u3002\u5b8b\u6c0f\u5f8b\u5e08\u4e8b\u52a1\u6240\u7ed9\u51fa\u6700\u4f18\u65b9\u6848\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>\u7f8e\u56fd\u7834\u4ea7\u6cd5\u7b2c 302 \u6761\u5141\u8bb8\u592b\u59bb\u63d0\u4ea4\u5355\u4e00\u5171\u540c\u7834\u4ea7\u7533\u8bf7\u3002$33 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26125,"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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