{"id":28372,"date":"2026-09-23T14:00:00","date_gmt":"2026-09-23T18:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=28372"},"modified":"2026-09-17T18:32:56","modified_gmt":"2026-09-17T22:32:56","slug":"bankruptcy-success-ch13-foreclosure-2026-09-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/bankruptcy-success-ch13-foreclosure-2026-09-zh\/","title":{"rendered":"Chapter 13 \u91cd\u7ec4\u6210\u529f\u6848\u4f8b \u2014 \u963b\u6b62 NJ \u623f\u5c4b\u6cd5\u62cd\u5e76\u83b7\u5f97\u4e94\u5e74\u8ba1\u5212\u6279\u51c6"},"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

\u65b0\u6cfd\u897f Bergen County \u4e00\u5bf9\u56db\u5341\u591a\u5c81\u7684\u81ea\u96c7\u592b\u59bb,\u75ab\u60c5\u540e\u7ecf\u8425\u4e1a\u7ee9\u5927\u5e45\u4e0b\u6ed1\u3002\u4fe1\u7528\u5361\u4e0e SBA \u8d37\u6b3e\u5229\u606f\u4e0d\u65ad\u7d2f\u79ef,\u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e(mortgage)\u5f00\u59cb\u4e25\u91cd\u903e\u671f\u3002\u9996\u6b21\u54a8\u8be2\u65f6\u8d37\u6b3e\u5df2\u8fde\u7eed\u516d\u4e2a\u6708\u672a\u7f34,\u94f6\u884c\u5df2\u542f\u52a8 foreclosure(\u6cd5\u62cd)\u7a0b\u5e8f\u5e76\u6392\u5b9a\u62cd\u5356\u65e5\u671f\u3002<\/p>\n

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

\u516d\u4e2a\u6708\u672c\u91d1\u5229\u606f\u3001escrow \u77ed\u7f3a\u3001\u6ede\u7eb3\u91d1\u53ca\u94f6\u884c\u5f8b\u5e08\u8d39\u5408\u8ba1\u91d1\u989d\u53ef\u89c2\u3002\u4e24\u540d\u5b66\u9f84\u5b50\u5973\u5728 NJ \u5b66\u533a\u5c31\u8bfb,\u4fdd\u4f4f\u4f4f\u623f\u662f\u5bb6\u5ead\u7684\u6700\u4f18\u5148\u76ee\u6807\u3002\u592b\u5987\u5408\u5e76\u7a0e\u540e\u6536\u5165\u7565\u9ad8\u4e8e NJ \u4e2d\u4f4d\u6570,\u81ea\u96c7\u6536\u5165\u5177\u5b63\u8282\u6027\u3002\u6b64\u7ed3\u6784\u4f7f\u5f97 Chapter 7 \u56e0 means test<\/strong> \u96be\u4ee5\u9002\u7528,\u800c Chapter 13 \u91cd\u7ec4<\/strong>\u662f\u4fdd\u4f4f\u4f4f\u623f\u6700\u5408\u9002\u7684\u8def\u5f84\u3002<\/p>\n

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

\u7b56\u7565\u805a\u7126\u4e09\u70b9:\u7b2c\u4e00,\u4f9d\u636e 11 U.S.C. \u00a7 362(a)<\/strong> \u7acb\u5373\u542f\u52a8 \u81ea\u52a8\u4e2d\u6b62 (automatic stay)<\/strong> \u963b\u6b62\u62cd\u5356;\u7b2c\u4e8c,\u8bbe\u8ba1\u4e94\u5e74 Chapter 13 \u8ba1\u5212\u4ee5 cure<\/strong>(\u8865\u7f34)\u8d37\u6b3e\u6b20\u6b3e\u5e76\u7ef4\u6301\u6b63\u5e38\u6708\u4f9b;\u7b2c\u4e09,\u9488\u5bf9\u65e0\u62c5\u4fdd\u503a\u6743\u4eba(\u4fe1\u7528\u5361\u4e0e SBA \u4f59\u989d)\u7684\u5206\u914d\u6bd4\u4f8b\u540c\u65f6\u6ee1\u8db3 best-interest test<\/strong> \u4e0e disposable income test<\/strong>,\u51cf\u5c11\u503a\u6743\u4eba\u53cd\u5bf9\u610f\u89c1\u3002<\/p>\n

\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u5bf9\u7b56<\/h2>\n

\u9996\u6b21\u54a8\u8be2\u5373\u5b8c\u6210\u6536\u5165\u3001\u8d44\u4ea7\u3001\u503a\u52a1\u5168\u9762\u76d8\u70b9,\u5e76\u542f\u52a8\u7d27\u6025 petition \u51c6\u5907\u3002\u5728\u9884\u5b9a\u62cd\u5356\u65e5\u524d\u4e09\u5468,\u4e8e U.S. Bankruptcy Court for the District of New Jersey \u63d0\u4ea4 Chapter 13 petition,\u81ea\u52a8\u4e2d\u6b62\u7acb\u5373\u751f\u6548,\u62cd\u5356\u88ab\u53d6\u6d88,\u94f6\u884c\u968f\u5373\u8f6c\u5165\u534f\u5546\u6a21\u5f0f\u3002<\/p>\n

\u8ba1\u5212\u5c06\u903e\u671f\u91d1\u989d\u5206\u644a\u4e8e 60 \u4e2a\u6708\u5185\u5747\u5300 cure,\u5e76\u91c7\u7528 step-up \u7ed3\u6784<\/strong>\u2014\u2014\u524d 24 \u4e2a\u6708\u6708\u4f9b\u8f83\u4f4e\u4ee5\u914d\u5408\u4e1a\u52a1\u590d\u82cf,\u4e4b\u540e\u6309\u9884\u5b9a\u91d1\u989d\u4e0a\u8c03\u3002\u65e0\u62c5\u4fdd\u5206\u914d\u6bd4\u4f8b\u7ecf\u5ba1\u614e\u8bbe\u5b9a,\u540c\u65f6\u8d85\u8d8a Chapter 7 \u6e05\u7b97\u6a21\u62df\u91d1\u989d\u53ca disposable income<\/strong> \u5168\u989d\u6295\u5165,\u4ece\u6e90\u5934\u6d88\u9664\u53cd\u5bf9\u7a7a\u95f4\u3002<\/p>\n

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

341 meeting of creditors<\/strong> \u4e2d Chapter 13 trustee \u8be6\u7ec6\u8d28\u8be2\u81ea\u96c7\u6536\u5165\u6838\u7b97\u4e0e\u4e1a\u52a1\u8d44\u4ea7\u4f30\u503c\u3002\u7531\u4e8e\u4e8b\u524d\u5df2\u5907\u59a5\u4e24\u5e74\u7a0e\u8868\u3001\u94f6\u884c\u6d41\u6c34\u4e0e\u8425\u4e1a\u5206\u7c7b\u8d26,\u95ee\u7b54\u987a\u7545,trustee \u672a\u5bf9\u65e0\u62c5\u4fdd\u5206\u914d\u6bd4\u4f8b\u63d0\u51fa\u5f02\u8bae\u3002<\/p>\n

\u5728 confirmation \u524d,\u94f6\u884c proof of claim<\/strong> \u4e2d\u6ede\u7eb3\u91d1\u4e0e\u5f8b\u5e08\u8d39\u8ba1\u7b97\u5b58\u5728\u9519\u8bef,\u6211\u65b9\u63d0\u51fa claim objection<\/strong>,\u6cd5\u9662\u8c03\u6574\u540e\u6b20\u6b3e\u603b\u989d\u5c0f\u5e45\u4e0b\u8c03\u3002\u4e00\u5bb6\u65e0\u62c5\u4fdd\u503a\u6743\u4eba\u521d\u671f\u63d0\u51fa\u53cd\u5bf9,\u7ecf\u6211\u65b9\u63d0\u4ea4 disposable income \u8ba1\u7b97\u4e0e\u516d\u4e2a\u6708\u81ea\u96c7\u6536\u5165\u5e73\u5747\u8d44\u6599\u540e\u64a4\u56de\u3002<\/p>\n

\u7ed3\u679c<\/h2>\n

Petition \u63d0\u4ea4\u7ea6\u4e94\u4e2a\u6708\u540e\u8ba1\u5212\u83b7\u5f97 confirmation<\/strong>\u3002\u4f4f\u623f\u4fdd\u4f4f,foreclosure \u5b8c\u5168\u64a4\u9500\u3002\u4e94\u5e74\u8ba1\u5212\u987a\u5229\u5b8c\u6210\u540e,\u65e0\u62c5\u4fdd\u4f59\u989d\u53ef\u83b7 discharge(\u514d\u9664)<\/strong>\u3002step-up \u7ed3\u6784\u8ba9\u592b\u5987\u6709\u65f6\u95f4\u91cd\u6574\u4e1a\u52a1,\u5b50\u5973\u5f97\u4ee5\u7ef4\u6301\u539f\u5b66\u533a\u3002<\/p>\n

\u542f\u793a<\/h2>\n

\u9762\u4e34\u8feb\u5728\u7709\u776b\u7684 foreclosure \u65f6,Chapter 13 \u81ea\u52a8\u4e2d\u6b62\u4ecd\u662f\u6700\u6709\u529b\u7684\u5de5\u5177\u4e4b\u4e00,\u4f46\u65f6\u673a\u51b3\u5b9a\u6210\u8d25:\u62cd\u5356\u5f53\u65e5\u65e9\u4e0a\u624d\u7533\u8bf7\u5b58\u5728\u64cd\u4f5c\u98ce\u9669,\u5e94\u7559\u51fa\u4e24\u81f3\u4e09\u5468\u7f13\u51b2\u3002\u5bf9\u81ea\u96c7\u503a\u52a1\u4eba\u800c\u8a00,\u53ef\u884c\u7684\u8ba1\u5212\u53d6\u51b3\u4e8e\u4e09\u9879\u7ec6\u8282\u2014\u2014\u53cd\u6620\u6536\u5165\u5b63\u8282\u6027\u7684 step-up \u7ed3\u6784\u3001\u4e1a\u52a1\u4e0e\u4e2a\u4eba\u8d44\u4ea7\u7684\u6e05\u6670\u5206\u79bb,\u4ee5\u53ca\u53ef\u8fa9\u62a4\u7684\u8d44\u4ea7\u4f30\u503c\u4ee5\u5e94\u5bf9 best-interest test\u3002\u65e0\u62c5\u4fdd\u5206\u914d\u6bd4\u4f8b\u8fc7\u4f4e\u6613\u62db\u53cd\u5bf9\u3001\u8fc7\u9ad8\u5219\u8ba1\u5212\u96be\u4ee5\u5b8c\u6210,\u7cbe\u7ec6\u7684 disposable income \u5206\u6790\u662f\u80dc\u8d1f\u624b\u3002<\/p>\n

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

Q1. \u8ddd\u62cd\u5356\u65e5\u591a\u8fd1\u4ecd\u53ef\u63d0\u4ea4 Chapter 13?<\/strong><\/p>\n

\u7406\u8bba\u4e0a\u76f4\u5230\u62cd\u5356\u5f53\u65e5\u5747\u53ef,\u4f46\u4e3a\u6587\u4ef6\u51c6\u5907\u4e0e\u81ea\u52a8\u4e2d\u6b62\u901a\u77e5\u53ef\u9760\u9001\u8fbe,\u5b9e\u52a1\u4e0a\u5e94\u81f3\u5c11\u7559\u4e24\u5468\u7f13\u51b2\u3002<\/p>\n

Q2. \u82e5\u4e00\u5e74\u5185\u66fe\u6709\u7834\u4ea7\u6848\u4ef6\u88ab dismiss \u4f1a\u5982\u4f55?<\/strong><\/p>\n

\u4f9d 11 U.S.C. \u00a7 362(c)(3)\/(4),\u81ea\u52a8\u4e2d\u6b62\u53ef\u80fd\u4ec5\u5b58\u7eed 30 \u65e5\u6216\u6839\u672c\u4e0d\u9002\u7528,\u987b\u4ee5\u52a8\u8bae\u5ef6\u957f\u6216\u65bd\u52a0\u4e2d\u6b62,\u4e14\u4e3e\u8bc1\u95e8\u69db\u63d0\u9ad8\u3002<\/p>\n

Q3. \u8ba1\u5212\u671f\u95f4\u6536\u5165\u5927\u5e45\u4e0b\u964d\u600e\u4e48\u529e?<\/strong><\/p>\n

\u53ef\u63d0\u4ea4 plan modification \u8c03\u6574\u6708\u4f9b\u91d1\u989d\u4e0e\u671f\u9650\u3002\u53ca\u65f6\u4e0e\u5f8b\u5e08\u6c9f\u901a\u6709\u52a9\u4e8e\u83b7\u5f97 trustee \u540c\u610f\u4e0e\u6cd5\u9662\u6279\u51c6\u4fee\u8ba2\u8ba1\u5212\u3002<\/p>\n

\n

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

\u9762\u4e34\u7834\u4ea7\u6216\u8d22\u52a1\u56f0\u5883?\u7acb\u5373\u9884\u7ea6\u54a8\u8be2\u3002<\/p>\n

\ud83d\udcde 201.461.0031<\/strong>  \u00b7  \u2709 mail@songlawfirm.com<\/a>  \u00b7  \ud83c\udf10 songlawfirm.com<\/a>
\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\u5904\u7406\u7684\u5b9e\u9645\u7834\u4ea7\u6848\u4ef6\u91cd\u6784\u4e14\u5b8c\u5168\u533f\u540d\u5316\u3002\u6839\u636e\u65b0\u6cfd\u897f\u5dde\u5f8b\u5e08\u804c\u4e1a\u884c\u4e3a\u89c4\u5219 7.1,\u8fc7\u5f80\u7ed3\u679c\u4e0d\u4fdd\u8bc1\u76f8\u540c\u7ed3\u679c,\u53d1\u5e03\u4e0d\u6784\u6210\u5f8b\u5e08-\u59d4\u6258\u4eba\u5173\u7cfb\u3002\u5177\u4f53\u6848\u4ef6\u8bf7\u54a8\u8be2\u5177\u5907\u8d44\u8d28\u7684\u5f8b\u5e08\u3002<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u7834\u4ea7\u6cd5\u6210\u529f\u6848\u4f8b \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240 \u59d4\u6258\u4eba\u6982\u51b5 \u65b0\u6cfd\u897f Ber […]<\/p>\n","protected":false},"author":7,"featured_media":28393,"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":[403,405],"tags":[1626,3481,5514,5511],"class_list":["post-28372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-403","category-405","tag-chapter-13-2","tag-foreclosure","tag-nj-","tag-5511"],"yoast_head":"\nChapter 13 \u91cd\u7ec4\u6210\u529f\u6848\u4f8b \u2014 \u963b\u6b62 NJ \u623f\u5c4b\u6cd5\u62cd\u5e76\u83b7\u5f97\u4e94\u5e74\u8ba1\u5212\u6279\u51c6 - 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\/bankruptcy-success-ch13-foreclosure-2026-09-zh\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chapter 13 \u91cd\u7ec4\u6210\u529f\u6848\u4f8b \u2014 \u963b\u6b62 NJ \u623f\u5c4b\u6cd5\u62cd\u5e76\u83b7\u5f97\u4e94\u5e74\u8ba1\u5212\u6279\u51c6\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. 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