{"id":28369,"date":"2026-09-22T14:00:00","date_gmt":"2026-09-22T18:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=28369"},"modified":"2026-09-22T14:00:00","modified_gmt":"2026-09-22T18:00:00","slug":"bankruptcy-success-ch7-discharge-2026-09-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/bankruptcy-success-ch7-discharge-2026-09-zh\/","title":{"rendered":"Chapter 7 \u7834\u4ea7\u6210\u529f\u6848\u4f8b \u2014 \u65b0\u6cfd\u897f\u81ea\u8425\u4e1a\u8005\u592b\u5987\u7684\u8d22\u52a1\u91cd\u65b0\u5f00\u59cb"},"content":{"rendered":"
\n

\u7834\u4ea7\u6cd5\u6210\u529f\u6848\u4f8b \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240<\/p>\n

\u59d4\u6258\u4eba\u6982\u51b5<\/h2>\n

\u4e00\u5bf950\u591a\u5c81\u7684\u81ea\u8425\u4e1a\u8005\u592b\u5987\u3002\u5728\u65b0\u6cfd\u897f\u5317\u90e8\u7ecf\u8425\u96f6\u552e\u4e1a,\u53d7\u75ab\u60c5\u540e\u9500\u552e\u5927\u5e45\u4e0b\u6ed1\u5f71\u54cd,\u4e1a\u52a1\u8fdb\u5165\u6e05\u7b97\u7a0b\u5e8f\u3002\u65e0\u62c5\u4fdd\u4fe1\u7528\u5361\u503a\u52a1\u4e0e\u4e1a\u52a1\u76f8\u5173\u7684\u4e2a\u4eba\u62c5\u4fdd\u503a\u52a1\u7d2f\u79ef\u5230\u76f8\u5f53\u89c4\u6a21,\u591a\u5bb6\u503a\u6743\u4eba\u7684\u50ac\u6536\u7535\u8bdd\u548c\u5de5\u8d44\u6263\u62bc\u5a01\u80c1\u63a5\u8fde\u4e0d\u65ad\u3002\u592b\u5987\u5e0c\u671b\u4fdd\u7559\u81ea\u4f4f\u623f\u4ea7,\u540c\u65f6\u5728\u5b50\u5973\u5347\u5165\u5927\u5b66\u524d\u91cd\u65b0\u6574\u7406\u5bb6\u5ead\u8d22\u52a1\u3002<\/p>\n

\u6848\u4ef6\u80cc\u666f<\/h2>\n

\u592b\u5987\u6700\u521d\u901a\u8fc7 debt settlement \u516c\u53f8\u5c1d\u8bd5\u503a\u52a1\u91cd\u7ec4,\u4f46\u76f8\u5f53\u90e8\u5206\u672c\u91d1\u4ecd\u672a\u89e3\u51b3,\u8fd8\u9762\u4e341099-C\u503a\u52a1\u514d\u9664\u6536\u5165\u7684\u7a0e\u8d1f\u95ee\u9898\u3002\u4e4b\u540e\u4e00\u540d\u503a\u6743\u4eba\u5728\u65b0\u6cfd\u897f\u6cd5\u9662\u63d0\u8d77\u8bc9\u8bbc\u83b7\u5f97\u7f3a\u5e2d\u5224\u51b3,\u94f6\u884c\u8d26\u6237\u6263\u62bc\u8feb\u5728\u7709\u776b\u65f6,\u592b\u5987\u627e\u5230\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u3002<\/p>\n

\u6cd5\u5f8b\u8981\u70b9<\/h2>\n

\u6838\u5fc3\u4e89\u8bae\u6709\u4e09\u70b9\u3002\u7b2c\u4e00,\u5e94\u9009\u62e9 Chapter 7(\u6e05\u7b97\u578b)\u8fd8\u662f Chapter 13(\u8c03\u6574\u578b)\u3002\u7b2c\u4e8c,\u80fd\u5426\u901a\u8fc7 means test(\u624b\u6bb5\u6d4b\u8bd5)\u3002\u7b2c\u4e09,\u5982\u4f55\u4fdd\u62a4\u81ea\u4f4f\u623f\u4ea7\u7684\u6743\u76ca\u3002\u65b0\u6cfd\u897f\u91c7\u7528 opt-in \u5236\u5ea6,\u503a\u52a1\u4eba\u53ef\u4ee5\u9009\u62e9\u8054\u90a6\u6216\u5dde exemption,\u4e0d\u540c\u9009\u62e9\u51b3\u5b9a\u8d22\u4ea7\u4fdd\u62a4\u8303\u56f4\u3002<\/p>\n

\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u5bf9\u7b56 \u2014 \u4e09\u9636\u6bb5\u7b56\u7565<\/h2>\n

\u7b2c\u4e00\u9636\u6bb5 \u00b7 \u8d22\u52a1\u5c3d\u8c03\u4e0e Means Test \u51c6\u5907<\/strong><\/p>\n

\u5bf9\u5bb6\u5ead\u6536\u652f\u660e\u7ec6\u3001\u8fc7\u53bb6\u4e2a\u6708\u5de5\u8d44\u5355\u3001\u503a\u52a1\u603b\u989d\u3001\u8d44\u4ea7\u6e05\u5355\u8fdb\u884c\u7cbe\u7ec6\u5206\u6790\u3002\u786e\u8ba4\u5bb6\u5ead\u6536\u5165\u4f4e\u4e8e\u65b0\u6cfd\u897f median income \u540e,\u5224\u5b9a\u7b26\u5408 Chapter 7 \u8d44\u683c\u3002\u4e1a\u52a1\u5931\u8d25\u5bfc\u81f4\u7684\u5b9e\u9645\u6536\u5165\u4e0b\u964d\u6709\u660e\u786e\u6587\u4ef6\u8bb0\u5f55,\u662f\u5173\u952e\u8bc1\u636e\u3002<\/p>\n

\u7b2c\u4e8c\u9636\u6bb5 \u00b7 \u9009\u62e9\u8054\u90a6 Exemption \u7b56\u7565<\/strong><\/p>\n

\u65b0\u6cfd\u897f\u5dde exemption \u7684 homestead \u4fdd\u62a4\u989d\u5ea6\u8f83\u4f4e,\u800c\u8054\u90a6 exemption(11 U.S.C. \u00a7522(d))\u53ef\u4e3a\u592b\u5987\u5171\u540c\u4fdd\u62a4\u4f4f\u5b85\u6743\u76ca\u7684\u53ef\u89c2\u4efd\u989d\u3002\u7efc\u5408\u8bc4\u4f30\u592b\u5987\u7684\u4f4f\u5b85\u6743\u76ca\u3001\u8f66\u8f86\u3001\u4e2a\u4eba\u8d22\u4ea7\u3001\u9000\u4f11\u91d1(ERISA-qualified)\u540e,\u51b3\u5b9a\u9009\u62e9\u8054\u90a6 exemption\u3002Retirement account \u53ef\u4f9d \u00a7522(b)(3)(C) \u72ec\u7acb\u83b7\u5f97\u5b8c\u5168\u4fdd\u62a4,\u786e\u4fdd\u9000\u4f11\u89c4\u5212\u4e0d\u53d7\u5f71\u54cd\u3002<\/p>\n

\u7b2c\u4e09\u9636\u6bb5 \u00b7 \u7533\u8bf7\u4e0e 341 Meeting \u5e94\u5bf9<\/strong><\/p>\n

\u5c06 Petition\u3001Schedules(A\u2013J)\u3001Statement of Financial Affairs\u3001Means Test Form\u3001Credit Counseling Certificate \u7b49\u5168\u90e8\u6587\u4ef6\u51c6\u786e\u7f16\u5236\u540e,\u63d0\u4ea4\u81f3\u65b0\u6cfd\u897f\u8054\u90a6\u7834\u4ea7\u6cd5\u9662(District of New Jersey)\u3002\u7533\u8bf7\u7acb\u5373\u751f\u6548 automatic stay(11 U.S.C. \u00a7362),\u94f6\u884c\u8d26\u6237\u6263\u62bc\u3001\u8bc9\u8bbc\u6267\u884c\u3001\u50ac\u6536\u7535\u8bdd\u5168\u90e8\u505c\u6b62\u3002341 meeting(\u503a\u6743\u4eba\u4f1a\u8bae)\u4e2d,\u592b\u5987\u4ee5\u51c6\u5907\u597d\u7684\u8bf4\u660e\u56de\u5e94 trustee \u63d0\u95ee,\u8d22\u52a1\u6587\u4ef6\u6e05\u6670,\u7a0b\u5e8f\u65e0\u5f02\u8bae\u987a\u5229\u7ed3\u675f\u3002<\/p>\n

\u5904\u7406\u8fc7\u7a0b<\/h2>\n

\u7533\u8bf7\u540e\u7ea63~4\u4e2a\u6708\u4ee5 no-asset case \u65b9\u5f0f\u8fdb\u884c\u3002Trustee \u5224\u65ad\u9664 exempt \u8d22\u4ea7\u5916\u65e0\u53ef\u6e05\u7b97\u6807\u7684,\u672a\u7ecf\u6e05\u7b97\u5373\u63d0\u4ea4\u7ed3\u6848\u62a5\u544a\u3002\u592b\u5987\u572860\u65e5\u5185\u5b8c\u6210 Financial Management Course(\u4e2a\u4eba\u8d22\u52a1\u7ba1\u7406\u8bfe\u7a0b),\u5e76\u5c06\u8bc1\u4e66\u63d0\u4ea4\u6cd5\u9662\u3002<\/p>\n

\u7ed3\u679c<\/h2>\n

\u6cd5\u9662\u5bf9\u592b\u5987\u7684\u5927\u90e8\u5206\u65e0\u62c5\u4fdd\u503a\u52a1\u53d1\u51fa Discharge Order(\u514d\u9664\u547d\u4ee4)\u3002\u7f3a\u5e2d\u5224\u51b3\u3001\u4fe1\u7528\u5361\u4f59\u989d\u3001\u4e1a\u52a1\u76f8\u5173\u4e2a\u4eba\u62c5\u4fdd\u503a\u52a1\u5168\u90e8\u514d\u9664,\u592b\u5987\u5b9e\u73b0\u8d22\u52a1\u91cd\u65b0\u8d77\u6b65\u3002\u81ea\u4f4f\u623f\u4ea7\u5f97\u4ee5\u4fdd\u7559,\u9000\u4f11\u91d1\u5b8c\u6574\u4fdd\u5b58\u3002\u5de5\u8d44\u6263\u62bc\u4e0e\u50ac\u6536\u7535\u8bdd\u5f7b\u5e95\u505c\u6b62,1099-C \u6536\u5165\u7684\u7a0e\u52a1\u95ee\u9898\u4e5f\u4f9d debt discharge \u6761\u6b3e(IRC \u00a7108(a)(1)(A))\u89e3\u51b3\u3002<\/p>\n

\u542f\u793a<\/h2>\n

\u7834\u4ea7\u4e0d\u662f\u5931\u8d25,\u800c\u662f\u7f8e\u56fd\u6cd5\u5f8b\u63d0\u4f9b\u7684\u8d22\u52a1\u91cd\u65b0\u51fa\u53d1\u5de5\u5177\u3002\u5728\u65b0\u6cfd\u897f\u6210\u529f\u8fd0\u7528 Chapter 7,\u4e09\u4e2a\u8981\u70b9\u81f3\u5173\u91cd\u8981\u3002\u7b2c\u4e00,\u4e3a\u901a\u8fc7 means test \u800c\u8fdb\u884c\u7684\u51c6\u786e\u6536\u652f\u8bb0\u5f55\u3002\u7b2c\u4e8c,\u5728\u5dde exemption \u4e0e\u8054\u90a6 exemption \u4e4b\u95f4\u9009\u62e9\u66f4\u6709\u5229\u8005\u3002\u7b2c\u4e09,\u53ef\u9760\u7684\u8d22\u52a1\u6587\u4ef6\u548c\u8bda\u5b9e\u7684 341 meeting \u5e94\u5bf9\u3002Debt settlement \u4e0e\u7834\u4ea7\u5728\u7a0e\u8d1f\u3001\u4fe1\u7528\u8bc4\u5206\u3001\u6cd5\u5f8b\u6548\u529b\u4e0a\u5dee\u5f02\u663e\u8457,\u5e94\u6839\u636e\u4e2a\u6848\u9009\u62e9\u5408\u9002\u65b9\u6848\u3002<\/p>\n

\u5e38\u89c1\u95ee\u9898<\/h2>\n

Q1. Chapter 7 \u7834\u4ea7\u540e\u4fe1\u7528\u5206\u6570\u9700\u8981\u591a\u4e45\u6062\u590d?<\/strong><\/p>\n

\u56e0\u4e2a\u4eba\u60c5\u51b5\u800c\u5f02,\u901a\u5e3812~24\u4e2a\u6708\u5185\u53ef\u4ee5\u91cd\u5efa\u3002Discharge \u540e\u901a\u8fc7 secured credit card\u3001\u5c0f\u989d\u8d37\u6b3e\u7ba1\u7406\u9010\u6b65\u6062\u590d\u3002Chapter 7 \u8bb0\u5f55\u5728\u4fe1\u7528\u62a5\u544a\u4e2d\u4fdd\u755910\u5e74,\u4f46\u5b9e\u9645\u8d37\u6b3e\u3001\u62b5\u62bc\u6279\u51c6\u901a\u5e38\u8fdc\u8fdc\u65e9\u4e8e\u6b64\u3002<\/p>\n

Q2. \u7834\u4ea7\u540e\u53ef\u4ee5\u4fdd\u7559\u81ea\u4f4f\u623f\u4ea7\u5417?<\/strong><\/p>\n

\u53ef\u4ee5\u3002\u5728\u65b0\u6cfd\u897f\u9009\u62e9\u8054\u90a6 exemption \u540e,\u53ef\u4fdd\u62a4\u53ef\u89c2\u7684 homestead \u6743\u76ca\u3002\u82e5\u6709\u62b5\u62bc\u8d37\u6b3e,\u5e38\u901a\u8fc7 reaffirmation agreement \u7ee7\u7eed\u8fd8\u6b3e\u4fdd\u7559\u623f\u4ea7\u3002\u5404\u6848\u9700\u5148\u5206\u6790\u6743\u76ca\u89c4\u6a21\u3002<\/p>\n

Q3. Chapter 7 \u4e0e Chapter 13 \u6709\u4f55\u533a\u522b?<\/strong><\/p>\n

Chapter 7 \u662f\u65e0\u62c5\u4fdd\u503a\u52a1\u6e05\u7b97\u578b,3~4\u4e2a\u6708\u7ed3\u6848\u3002Chapter 13 \u662f3~5\u5e74\u7684\u8fd8\u6b3e\u8ba1\u5212\u8c03\u6574\u578b,\u4e3b\u8981\u7528\u4e8e\u6709\u6536\u5165\u4e14\u5e0c\u671b\u4fdd\u62a4\u7279\u5b9a\u8d44\u4ea7\u7684\u503a\u52a1\u4eba\u3002Means test \u7ed3\u679c\u4e0e\u8d44\u4ea7\u6784\u6210\u51b3\u5b9a\u9009\u62e9\u3002<\/p>\n

Q4. \u81ea\u8425\u4e1a\u8005\u4e5f\u53ef\u4ee5\u7533\u8bf7\u4e2a\u4eba\u7834\u4ea7\u5417?<\/strong><\/p>\n

\u53ef\u4ee5\u3002LLC \u6216 corporation \u7684\u4e1a\u52a1\u503a\u52a1\u4e2d\u4e2a\u4eba\u62c5\u4fdd\u90e8\u5206,\u4ee5\u53ca\u7528\u4e2a\u4eba\u8d26\u6237\u652f\u51fa\u7684\u4e1a\u52a1\u8d39\u7528,\u53ef\u5728\u4e2a\u4eba\u7834\u4ea7\u4e2d\u5904\u7406\u3002\u4e1a\u52a1\u5b9e\u4f53\u4e0e\u4e2a\u4eba\u5728\u6cd5\u5f8b\u4e0a\u5206\u79bb,\u7b56\u7565\u9700\u8981\u8003\u8651\u53cc\u91cd\u5c42\u9762\u3002<\/p>\n

Q5. \u7533\u8bf7\u7834\u4ea7\u540e\u503a\u6743\u4eba\u4ecd\u6253\u6765\u7535\u8bdd\u600e\u4e48\u529e?<\/strong><\/p>\n

Automatic stay \u8fdd\u53cd\u5c5e\u8fdd\u53cd\u8054\u90a6\u6cd5\u5f8b\u3002\u5411\u503a\u6743\u4eba\u63d0\u4f9b\u6848\u4ef6\u7f16\u53f7\u548c\u6cd5\u9662\u4fe1\u606f\u5e94\u7acb\u5373\u505c\u6b62\u3002\u82e5\u7ee7\u7eed\u8fdd\u53cd,\u53ef\u7533\u8bf7 sanctions,\u8bf7\u7acb\u5373\u901a\u77e5\u5f8b\u5e08\u3002<\/p>\n

\n

SONG LAW FIRM \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240<\/p>\n

\u9047\u5230\u7834\u4ea7\u6cd5\u5f8b\u4e8b\u52a1?\u7acb\u5373\u9884\u7ea6\u54a8\u8be2\u3002<\/p>\n

\n\ud83d\udcde 201.461.0031<\/strong>  \u00b7  \u2709 mail@songlawfirm.com<\/a>  \u00b7  \ud83c\udf10 songlawfirm.com<\/a>
\n\ud83d\udccd Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<\/p>\n<\/div>\n

\u514d\u8d23\u58f0\u660e<\/strong> \u00b7 \u672c\u6210\u529f\u6848\u4f8b\u57fa\u4e8e\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u5b9e\u9645\u5904\u7406\u6848\u4ef6\u91cd\u6784\u3002\u4e3a\u4fdd\u62a4\u5f53\u4e8b\u4eba\u9690\u79c1,\u59d3\u540d\u00b7\u5177\u4f53\u8d22\u52a1\u6570\u636e\u00b7\u65e5\u671f\u7b49\u6240\u6709\u8eab\u4efd\u8bc6\u522b\u4fe1\u606f\u5747\u5df2\u8fdb\u884c\u533f\u540d\u5316\u548c\u4e00\u822c\u5316\u5904\u7406\u3002\u6839\u636e\u65b0\u6cfd\u897f\u5dde\u5f8b\u5e08\u804c\u4e1a\u884c\u4e3a\u89c4\u5219 7.1,\u8fc7\u5f80\u7ed3\u679c\u4e0d\u80fd\u4fdd\u8bc1\u76f8\u540c\u7ed3\u679c,\u7834\u4ea7\u6848\u4ef6\u7ed3\u679c\u56e0\u8d22\u52a1\u72b6\u51b5\u00b7\u8d44\u4ea7\u6784\u6210\u00b7\u653f\u7b56\u53d8\u66f4\u7b49\u56e0\u7d20\u53ef\u80fd\u5b58\u5728\u8f83\u5927\u5dee\u5f02\u3002\u672c\u6587\u7684\u53d1\u5e03\u4e0d\u6784\u6210\u5f8b\u5e08\u4e0e\u59d4\u6258\u4eba\u5173\u7cfb\u3002\u5177\u4f53\u6848\u4ef6\u8bf7\u52a1\u5fc5\u76f4\u63a5\u54a8\u8be2\u5177\u5907\u8d44\u8d28\u7684\u5f8b\u5e08\u3002<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

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