{"id":28976,"date":"2026-10-09T10:30:00","date_gmt":"2026-10-09T14:30:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=28976"},"modified":"2026-10-09T10:30:00","modified_gmt":"2026-10-09T14:30:00","slug":"pi-nj-settlement-protection-bankruptcy-divorce-2026-10-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/pi-nj-settlement-protection-bankruptcy-divorce-2026-10-zh\/","title":{"rendered":"\u7834\u4ea7\u00b7\u79bb\u5a5a\u8fdb\u884c\u4e2d\u7684\u4ea4\u901a\u4e8b\u6545\u8d54\u507f\u91d1 \u2014 \u4fdd\u62a4\u514d\u53d7\u503a\u6743\u4eba\u4e0e\u914d\u5076\u4fb5\u5bb3\u7684\u65b9\u6cd5"},"content":{"rendered":"<div class=\"slf-article slf-daily-pi\">\n<p class=\"slf-eyebrow\" style=\"font-size:11px;letter-spacing:.3em;color:#98344A;font-weight:700;margin:0 0 8px;\">\u4eba\u8eab\u4f24\u5bb3\u6cd5 \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240 \u6cd5\u5f8b\u4e13\u680f<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u60c5\u51b5\u6982\u8ff0<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u5728\u7834\u4ea7\u7a0b\u5e8f\u6216\u79bb\u5a5a\u8bc9\u8bbc\u8fdb\u884c\u4e2d\u53d1\u751f\u4ea4\u901a\u4e8b\u6545\u5e76\u83b7\u5f97\u5927\u7b14\u8d54\u507f\u91d1\u7684\u60c5\u51b5\u5e76\u4e0d\u7f55\u89c1\u3002\u95ee\u9898\u5728\u4e8e,<strong>\u8d54\u507f\u91d1\u5230\u8d26\u7684\u540c\u65f6<\/strong>,\u503a\u6743\u4eba\u6216\u914d\u5076\u53ef\u80fd\u4e3b\u5f20&quot;\u8fd9\u7b14\u94b1\u5c5e\u4e8e\u6211&quot;,\u6570\u6708\u7684\u6cbb\u7597\u4e0e\u8bc9\u8bbc\u52aa\u529b\u53ef\u80fd\u77ac\u95f4\u5316\u4e3a\u4e4c\u6709\u3002\u65b0\u6cfd\u897f\u6cd5\u5f8b\u8bbe\u6709\u591a\u9879\u4fdd\u62a4\u673a\u5236,\u4f46\u987b<strong>\u5728\u6536\u5230\u8d54\u507f\u91d1\u4e4b\u524d<\/strong>\u5c31\u5236\u5b9a\u7b56\u7565\u65b9\u53ef\u8fd0\u7528\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u6cd5\u5f8b\u6982\u5ff5<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>\u7834\u4ea7\u8c41\u514d(Bankruptcy Exemption)<\/strong> \u2014 Chapter 7 \u6216 13 \u7533\u8bf7\u4e2d\u4fdd\u62a4\u7279\u5b9a\u8d44\u4ea7\u514d\u53d7\u503a\u6743\u4eba\u7d22\u53d6\u7684\u5236\u5ea6\u3002\u4e8b\u6545\u8d54\u507f\u91d1\u7684\u4fdd\u62a4\u8303\u56f4\u89c6<strong>\u9009\u7528\u8054\u90a6\u8c41\u514d\u6761\u6b3e\u6216\u65b0\u6cfd\u897f\u5dde\u8c41\u514d<\/strong>\u800c\u5b9a\u3002<\/li>\n<li style=\"margin:5px 0;\"><strong>\u592b\u59bb\u5171\u540c\u8d22\u4ea7 vs \u4e2a\u4eba\u7279\u6709\u8d22\u4ea7<\/strong> \u2014 \u79bb\u5a5a\u65f6\u5224\u5b9a\u4e8b\u6545\u8d54\u507f\u91d1\u5c5e\u4e8e\u5a5a\u59fb\u8d22\u4ea7\u53ef\u5206\u5272,\u8fd8\u662f\u53d7\u4f24\u65b9\u7684\u4e2a\u4eba\u7279\u6709\u8d22\u4ea7\u3002<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u65b0\u6cfd\u897f\u89c4\u5b9a<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>\u7834\u4ea7:<\/strong><\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u65b0\u6cfd\u897f\u5141\u8bb8\u503a\u52a1\u4eba\u5728<strong>\u8054\u90a6\u8c41\u514d\u4e0e\u5dde\u8c41\u514d\u4e2d\u9009\u62e9<\/strong>\u3002\u4e8b\u6545\u8d54\u507f\u91d1\u53d7 <strong>11 U.S.C. \u00a7522(d)(11)<\/strong> \u4fdd\u62a4:<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u4eba\u8eab\u4f24\u5bb3\u8d54\u507f\u4e2d<strong>\u75db\u82e6\u4e0e\u6298\u78e8(Pain and Suffering)<\/strong>\u90e8\u5206:\u8c41\u514d\u81f3 $27,900(\u6bcf\u4e09\u5e74\u8c03\u6574)<\/li>\n<li style=\"margin:5px 0;\">\u5de5\u8d44\u635f\u5931(Lost Wages)\u90e8\u5206:<strong>\u4e0d\u8c41\u514d<\/strong> \u2014 \u503a\u6743\u4eba\u53ef\u53d6\u5f97<\/li>\n<li style=\"margin:5px 0;\">\u533b\u7597\u8d39\u7528(Medical Expenses)\u8865\u507f\u90e8\u5206:<strong>100% \u8c41\u514d<\/strong><\/li>\n<li style=\"margin:5px 0;\">\u6b7b\u4ea1\u4fdd\u9669\u91d1\u4e2d\u4f9b\u517b\u4eb2\u5c5e\u90e8\u5206:\u5728\u7ef4\u6301\u751f\u8ba1\u5fc5\u8981\u8303\u56f4\u5185\u8c41\u514d<\/li>\n<\/ul>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u56e0\u6b64,<strong>\u5c06\u8d54\u507f\u91d1\u6309\u75db\u82e6\u4e0e\u6298\u78e8 \/ \u5de5\u8d44\u635f\u5931 \/ \u533b\u7597\u8d39\u7528\u660e\u786e\u5206\u914d(Allocation)<\/strong>\u662f\u5173\u952e\u3002<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>\u79bb\u5a5a:<\/strong><\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u65b0\u6cfd\u897f\u4e3a<strong>\u516c\u5e73\u5206\u914d(Equitable Distribution)<\/strong>\u5dde\u3002\u6839\u636e N.J.S.A. 2A:34-23.1,\u5a5a\u59fb\u671f\u95f4\u53d6\u5f97\u7684\u5927\u90e8\u5206\u8d44\u4ea7\u53ef\u5206\u5272\u3002\u4f46\u4e8b\u6545\u8d54\u507f\u91d1\u5206\u7c7b\u5982\u4e0b:<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>\u75db\u82e6\u3001\u6298\u78e8\u3001\u751f\u6d3b\u4e50\u8da3\u635f\u5931<\/strong>\u90e8\u5206:\u53d7\u4f24\u65b9\u7684<strong>\u7279\u6709\u8d22\u4ea7<\/strong>(\u4e0d\u5206\u5272,Williams v. Williams \u7b49\u5224\u4f8b)<\/li>\n<li style=\"margin:5px 0;\"><strong>Lost Wages<\/strong>:\u5a5a\u59fb\u671f\u95f4\u7684\u635f\u5931\u4e3a<strong>\u5a5a\u59fb\u8d22\u4ea7<\/strong>(\u53ef\u5206\u5272);\u5206\u5c45\u540e\u7684\u635f\u5931\u4e3a\u7279\u6709\u8d22\u4ea7<\/li>\n<li style=\"margin:5px 0;\"><strong>\u533b\u7597\u8d39\u7528<\/strong>:\u5a5a\u59fb\u671f\u95f4\u652f\u4ed8\u7684\u6cbb\u7597\u8d39\u8865\u507f\u4e3a<strong>\u5a5a\u59fb\u8d22\u4ea7<\/strong>,\u4e4b\u540e\u4e3a\u7279\u6709\u8d22\u4ea7<\/li>\n<li style=\"margin:5px 0;\"><strong>\u914d\u5076\u7684 Loss of Consortium(\u914d\u5076\u6743\u635f\u5931)<\/strong>\u7d22\u8d54:\u4e3a\u8be5\u914d\u5076\u7684\u7279\u6709\u8d22\u4ea7<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u5b9e\u6218\u5bf9\u7b56<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>\u548c\u89e3\u524d\u5373\u4ee5\u4e66\u9762\u5f62\u5f0f\u8bb0\u5f55 Allocation<\/strong>\u3002\u548c\u89e3\u534f\u8bae\u5e94\u660e\u793a:&quot;Of the total $X, $A for pain and suffering, $B for lost wages, $C for medical.&quot; \u4fdd\u9669\u516c\u53f8\u62d2\u7edd\u65f6,\u5f8b\u5e08\u53ef\u53e6\u884c\u51fa\u5177 <strong>Allocation Letter<\/strong>\u3002<\/li>\n<li style=\"margin:5px 0;\"><strong>\u7834\u4ea7\u7533\u8bf7\u524d<\/strong>,\u4eba\u8eab\u4f24\u5bb3\u5f8b\u5e08\u4e0e\u7834\u4ea7\u5f8b\u5e08\u5171\u540c\u534f\u5546\u3002Chapter 7 \u6258\u7ba1\u4eba\u5e38\u8ffd\u7d22\u8d85\u51fa\u8c41\u514d\u4e0a\u9650\u7684\u75db\u82e6\u6298\u78e8\u91d1\u989d\u3002<\/li>\n<li style=\"margin:5px 0;\"><strong>\u79bb\u5a5a\u8bc9\u8bbc\u671f\u95f4<\/strong>\u53d1\u751f\u4e8b\u6545\u65f6,\u7acb\u5373\u5c06\u79bb\u5a5a\u8fdb\u5c55\u544a\u77e5\u4eba\u8eab\u4f24\u5bb3\u5f8b\u5e08\u3002\u8d54\u507f\u91d1\u5230\u8d26\u524d\u53ef\u5229\u7528\u4fe1\u6258(Trust)\u3002<\/li>\n<li style=\"margin:5px 0;\">\u8003\u8651\u91c7\u7528<strong>\u7ed3\u6784\u5316\u548c\u89e3(Structured Settlement)<\/strong>(\u5b9a\u671f\u91d1\u5f62\u5f0f)\u800c\u975e\u4e00\u6b21\u6027\u652f\u4ed8\u3002\u503a\u6743\u4eba\u96be\u4ee5\u8ffd\u7d22,\u8c41\u514d\u6548\u679c\u4e5f\u66f4\u7a33\u56fa\u3002<\/li>\n<li style=\"margin:5px 0;\">\u4e8b\u6545\u540e\u8d54\u507f\u91d1<strong>\u5207\u52ff\u4e0e\u4e00\u822c\u8d26\u6237\u6df7\u5408(\u7981\u6b62 Commingling)<\/strong>\u3002\u6df7\u5408\u4f1a\u5bfc\u81f4\u7279\u6709\u8d22\u4ea7\u88ab\u91cd\u65b0\u5f52\u7c7b\u4e3a\u5a5a\u59fb\u8d22\u4ea7\u3002\u5efa\u8bae\u5f00\u8bbe\u72ec\u7acb\u8d26\u6237\u3002<\/li>\n<li style=\"margin:5px 0;\">\u79bb\u5a5a\u534f\u8bae\u4e2d\u6ce8\u660e&quot;PI settlement is separate property&quot;,\u9884\u5148\u6392\u9664\u4e89\u8bae\u3002<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u5e38\u89c1\u8bef\u89e3<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">&quot;\u53ea\u9700\u5728\u7834\u4ea7\u7533\u8bf7\u524d\u6ce8\u610f\u5373\u53ef&quot; \u2014 \u9519\u8bef\u3002<strong>\u7533\u8bf7\u540e 180 \u65e5\u5185<\/strong>\u53d1\u751f\u7684\u4e8b\u6545\u4e5f\u53ef\u80fd\u88ab\u7eb3\u5165\u7834\u4ea7\u8d22\u56e2(Bankruptcy Estate)\u3002<\/li>\n<li style=\"margin:5px 0;\">&quot;\u79bb\u5a5a\u5df2\u8fdb\u5165\u8c03\u89e3,\u5b89\u5168\u4e86&quot; \u2014 \u9519\u8bef\u3002\u8c03\u89e3\u524d\u53d1\u751f\u7684\u4e8b\u6545,\u5176\u8d54\u507f\u91d1\u4ecd\u53ef\u80fd\u88ab\u8ba4\u5b9a\u4e3a\u5a5a\u59fb\u8d22\u4ea7\u3002<\/li>\n<li style=\"margin:5px 0;\">&quot;\u7528\u73b0\u91d1\u6536\u53d6\u6ca1\u4eba\u4f1a\u77e5\u9053&quot; \u2014 \u9519\u8bef\u4e14<strong>\u6784\u6210\u72af\u7f6a<\/strong>\u3002\u7834\u4ea7\u6b3a\u8bc8\u4e0e\u8d44\u4ea7\u9690\u533f\u5c06\u5f15\u53d1\u5211\u4e8b\u4e0e\u6c11\u4e8b\u8d23\u4efb\u3002<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u8981\u70b9\u603b\u7ed3<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\u7834\u4ea7\u00b7\u79bb\u5a5a\u4e2d\u7684\u4e8b\u6545\u8d54\u507f\u91d1\u4fdd\u62a4\u56db\u5927\u6838\u5fc3:<strong>(1) \u4e66\u9762\u5316 Allocation,(2) \u4eba\u8eab\u4f24\u5bb3\u00b7\u7834\u4ea7\u00b7\u79bb\u5a5a\u4e09\u4f4d\u5f8b\u5e08\u7684\u65e9\u671f\u534f\u8c03,(3) \u7981\u6b62 Commingling,(4) \u9002\u65f6\u8fd0\u7528 Structured Settlement<\/strong>\u3002\u5fc5\u987b\u5728<strong>\u8d54\u507f\u91d1\u5230\u8d26\u4e4b\u524d<\/strong>\u5b8c\u6210\u8bbe\u8ba1\u65b9\u53ef\u751f\u6548\u3002<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\u5e38\u89c1\u95ee\u9898<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\">\u95ee:\u5df2\u7533\u8bf7 Chapter 7,\u4e4b\u540e\u53d1\u751f\u4e86\u4e8b\u6545,\u53ef\u53d7\u4fdd\u62a4\u5417?<\/li>\n<li style=\"margin:5px 0;\">\u7b54:\u7533\u8bf7\u65e5\u8d77 180 \u65e5\u5185\u7684\u4e8b\u6545\u53ef\u80fd\u7eb3\u5165\u7834\u4ea7\u8d22\u56e2\u3002\u8bf7\u7acb\u5373\u7531\u7834\u4ea7\u5f8b\u5e08\u4e0e\u4eba\u8eab\u4f24\u5bb3\u5f8b\u5e08\u534f\u540c,\u901a\u8fc7 Allocation \u5c06\u75db\u82e6\u6298\u78e8\u90e8\u5206\u6700\u5927\u5316\u81f3\u8c41\u514d\u4e0a\u9650\u3002<\/li>\n<li style=\"margin:5px 0;\">\u95ee:\u79bb\u5a5a\u8bc9\u8bbc\u4e2d\u53d1\u751f\u4e8b\u6545,\u987b\u544a\u77e5\u914d\u5076\u5417?<\/li>\n<li style=\"margin:5px 0;\">\u7b54:\u662f\u3002Discovery(\u8bc1\u636e\u5f00\u793a)\u9636\u6bb5\u5fc5\u4f1a\u62ab\u9732,\u65e0\u6cd5\u9690\u7792\u3002\u8bf7\u7acb\u5373\u544a\u77e5\u79bb\u5a5a\u5f8b\u5e08,\u901a\u8fc7 Allocation \u4fdd\u62a4\u7279\u6709\u8d22\u4ea7\u90e8\u5206\u3002<\/li>\n<li style=\"margin:5px 0;\">\u95ee:Structured Settlement \u7684\u7a0e\u52a1\u4f18\u60e0\u5982\u4f55?<\/li>\n<li style=\"margin:5px 0;\">\u7b54:\u6839\u636e IRC \u00a7104(a)(2),\u4eba\u8eab\u4f24\u5bb3\u8d54\u507f\u4e2d\u7684\u75db\u82e6\u6298\u78e8\u90e8\u5206<strong>\u514d\u7a0e<\/strong>\u3002Structured Settlement \u7684\u5404\u671f\u652f\u4ed8\u4e5f\u514d\u7a0e,\u4e0e\u4e00\u6b21\u6027\u6295\u8d44\u56de\u62a5\u76f8\u6bd4\u65e2\u7a33\u5b9a\u53c8\u5177\u4fdd\u62a4\u6548\u679c\u3002<\/li>\n<\/ul>\n<div class=\"slf-contact-block\" style=\"background:#fafaf7;border-left:4px solid #98344A;padding:24px 26px;margin:36px 0 24px;border-radius:6px;\">\n<p style=\"margin:0 0 8px;font-size:14px;letter-spacing:.2em;color:#98344A;font-weight:700;\">SONG LAW FIRM \u00b7 \u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240<\/p>\n<p style=\"margin:0 0 12px;font-size:18px;color:#1a1a1a;font-weight:700;\">\u4ea4\u901a\u4e8b\u6545\u6216\u4eba\u8eab\u4f24\u5bb3\u6848\u4ef6\u9700\u8981\u54a8\u8be2?<\/p>\n<p style=\"margin:0;font-size:15px;color:#333;line-height:1.7;\">\n\ud83d\udcde <strong>201.461.0031<\/strong> &nbsp;\u00b7&nbsp; \u2709 <a aria-label=\"Email mail@songlawfirm.com\" href=\"mailto:mail@songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">mail@songlawfirm.com<\/a> &nbsp;\u00b7&nbsp; \ud83c\udf10 <a href=\"https:\/\/songlawfirm.com\/zh-hans\/\" style=\"color:#98344A;text-decoration:none;\">songlawfirm.com<\/a><br \/>\n\ud83d\udccd Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<\/p>\n<\/div>\n<div class=\"slf-disclaimer\" style=\"margin:32px 0 8px;padding:16px 18px;background:#f5f5f2;border:1px solid #e5e5e2;border-radius:4px;font-size:12.5px;line-height:1.65;color:#555;\">\n<strong style=\"color:#333;\">\u514d\u8d23\u58f0\u660e<\/strong> \u00b7 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