{"id":28782,"date":"2026-10-01T11:00:00","date_gmt":"2026-10-01T15:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=28782"},"modified":"2026-09-28T10:17:00","modified_gmt":"2026-09-28T14:17:00","slug":"bankruptcy-success-reaffirmation-vehicle-2026-09-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/bankruptcy-success-reaffirmation-vehicle-2026-09-zh\/","title":{"rendered":"Chapter 7 \u518d\u786e\u8ba4\u534f\u8bae\u6210\u529f \u2014 \u4fdd\u7559\u8f66\u8f86\u5e76\u5927\u5e45\u964d\u4f4e\u5229\u7387"},"content":{"rendered":"
Illustrative Composite<\/strong> \u2014 \ubcf8 \uc0ac\ub840\ub294 \uc2e4\uc81c \ucc98\ub9ac \uc0ac\ub840\ub4e4\uc758 \uc0ac\uc2e4\uad00\uacc4\ub97c \uc775\uba85\ud654\u00b7\uc7ac\uad6c\uc131\ud55c \ub300\ud45c \uc0ac\ub840\uc785\ub2c8\ub2e4.<\/div>\n

\u6848\u4ef6\u6982\u8981<\/h2>\n

Chapter 7\u7834\u4ea7\u7533\u8bf7\u4eba\u5e0c\u671b\u4fdd\u7559\u901a\u52e4\u7528\u8f66\u8f86(\u8d37\u6b3e\u5269\u4f5922\u4e2a\u6708),\u5411\u8d37\u6b3e\u4eba\u63d0\u51fareaffirmation agreement\u3002\u8d37\u6b3e\u4eba\u521d\u59cb\u65b9\u6848\u7ef4\u6301\u539f\u5408\u540c\u5229\u738718.9%\u3002<\/p>\n

\u6cd5\u5f8b\u4e89\u70b9<\/h2>\n

11 U.S.C. \u00a7524(c)\u7684\u518d\u786e\u8ba4\u8981\u4ef6:(1)\u4e66\u9762\u5408\u540c (2)\u7834\u4ea7discharge\u4e4b\u524d\u7b7e\u8ba2 (3)\u5bf9\u503a\u52a1\u4eba\u65e0undue hardship\u3002\u65e0\u5f8b\u5e08\u65f6\u6cd5\u9662\u5fc5\u987b\u4e3e\u884cfairness hearing(\u00a7524(d))\u3002\u6cd5\u9662\u5bf9\u507f\u4ed8\u80fd\u529b<\/em>\u4e25\u683c\u5ba1\u67e5\u3002<\/p>\n

\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u7684\u5bf9\u5e94\u7b56\u7565<\/h2>\n
    \n
  1. \u91cd\u65b0\u8d77\u8349Schedule I\/J \u2014 \u63d0\u51fa\u7834\u4ea7\u540erealistic budget\u3002\u539f\u5229\u7387\u4e0bmonthly surplus < $50(undue hardship\u4f9d\u636e)<\/li>\n
  2. \u5411\u8d37\u6b3e\u4eba\u8bf4\u660e:\u518d\u786e\u8ba4\u534f\u5546\u5931\u8d25\u65f6\u503a\u52a1\u4eba\u5c06\u9000\u8fd8\u8f66\u8f86 \u2192 repossession\u635f\u5931\u7531\u8d37\u6b3e\u4eba\u627f\u62c5<\/li>\n
  3. \u66ff\u4ee3\u65b9\u6848:\u5229\u738718.9% \u2192 9.9%,22\u4e2a\u6708\u671f\u9650\u7ef4\u6301,\u672c\u91d1\u51cf\u514d$2,000<\/li>\n
  4. Reaffirmation Cover Sheet(Form 2400A)\u53cd\u6620\u8c03\u6574\u6761\u4ef6,\u9644\u5f8b\u5e08\u00a7524(c)(3)\u4e66\u9762\u9648\u8ff0 \u2192 \u514d\u9664fairness hearing<\/li>\n<\/ol>\n

    \u7ed3\u679c<\/h2>\n

    \u8d37\u6b3e\u4eba\u63a5\u53d7\u8c03\u6574\u65b9\u6848\u3002\u503a\u52a1\u4eba\u4fdd\u7559\u8f66\u8f86,\u5229\u7387\u51cf\u534a,\u672c\u91d1\u51cf\u514d$2,000,\u6708\u4f9b$310 \u2192 $245\u3002\u901a\u8fc7\u00a7524(c)(3)\u4e66\u9762\u9648\u8ff0\u83b7\u6279,\u65e0\u9700fairness hearing\u3002<\/p>\n

    \u5b9e\u52a1\u8981\u70b9<\/h2>\n
      \n
    • \u518d\u786e\u8ba4\u662f\u534f\u5546\u5de5\u5177<\/strong> \u2014 \u8d37\u6b3e\u4eba\u4e5f\u6709\u907f\u514drepossession\u635f\u5931\u7684\u52a8\u673a<\/li>\n
    • \u91cd\u5199Schedule I\/J\u53ef\u91cf\u5316undue hardship \u2192 \u5229\u7387\u4e0b\u8c03\u4f9d\u636e<\/li>\n
    • \u5f8b\u5e08\u7b7e\u7f72\u00a7524(c)(3)\u9648\u8ff0\u53ef\u514d\u9664fairness hearing \u2014 \u51cf\u8f7b\u7a0b\u5e8f\u8d1f\u62c5<\/li>\n<\/ul>\n
      \n

      \u672c\u6848\u4f8b\u4e3a\u591a\u8d77\u771f\u5b9e\u6848\u4ef6\u7684\u533f\u540d\u5316\u91cd\u6784(illustrative composite)\u3002\u5b9e\u9645\u7ed3\u679c\u56e0\u6848\u60c5\u4e0e\u7ba1\u8f96\u6cd5\u5f8b\u800c\u5f02,\u5efa\u8bae\u54a8\u8be2\u5177\u5907\u8d44\u683c\u7684\u5f8b\u5e08\u3002NJ RPC 7.1\u3002Prior results do not guarantee similar outcomes.<\/em><\/p>\n

      \n

      \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u8054\u7cfb\u65b9\u5f0f<\/h3>\n
        \n
      • \u7535\u8bdd:201-461-0031<\/li>\n
      • \u90ae\u7bb1:mail@songlawfirm.com<\/li>\n
      • \u7f51\u7ad9:songlawfirm.com<\/li>\n
      • \u529e\u516c\u5ba4:NJ \u00b7 NY \u00b7 GA \u00b7 TX \u00b7 MA<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

        Illustrative Composite \u2014 \ubcf8 \uc0ac\ub840\ub294 […]<\/p>\n","protected":false},"author":7,"featured_media":28804,"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":[],"class_list":["post-28782","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-403","category-405"],"yoast_head":"\nChapter 7 \u518d\u786e\u8ba4\u534f\u8bae\u6210\u529f \u2014 \u4fdd\u7559\u8f66\u8f86\u5e76\u5927\u5e45\u964d\u4f4e\u5229\u7387 - 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-reaffirmation-vehicle-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 7 \u518d\u786e\u8ba4\u534f\u8bae\u6210\u529f \u2014 \u4fdd\u7559\u8f66\u8f86\u5e76\u5927\u5e45\u964d\u4f4e\u5229\u7387\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. 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