{"id":2099,"date":"2023-02-24T13:11:09","date_gmt":"2023-02-24T18:11:09","guid":{"rendered":"https:\/\/leijianglaw.com\/?page_id=2099"},"modified":"2023-09-12T10:07:46","modified_gmt":"2023-09-12T14:07:46","slug":"personal-bankruptcy","status":"publish","type":"page","link":"https:\/\/leijianglaw.com\/zh\/personal-bankruptcy\/","title":{"rendered":"\u4e2a\u4eba\u7834\u4ea7"},"content":{"rendered":"<h4 class=\"wp-block-heading\">\u7b80\u4ecb<\/h4>\n\n\n\n<p>\u7834\u4ea7\u6cd5\u662f\u4e00\u90e8\u8054\u90a6\u6cd5\u3002\u8be5\u6cd5\u65e8\u5728\u4e3a\u8d1f\u503a\u4eba\u51cf\u8f7b\u503a\u52a1\uff0c\u540c\u65f6\u4e3a\u503a\u6743\u4eba\u5747\u5206\u8d1f\u503a\u4eba\u7684\u975e\u8c41\u514d\u8d22\u4ea7\u3002<\/p>\n\n\n\n<p>\u7834\u4ea7\u6cd5\u7684\u6848\u4ef6\u662f\u5728\u8054\u90a6\u7834\u4ea7\u6cd5\u9662\u5ba1\u7406\u7684\u3002\u8054\u90a6\u5730\u533a\u6cd5\u9662\u6216\u8005\u7834\u4ea7\u4e0a\u8bc9\u59d4\u5458\u4f1a\u6709\u6743\u53d7\u7406\u4e0a\u8bc9\u3002<\/p>\n\n\n\n<p>\u7834\u4ea7\u6848\u4ef6\u4e2d\u7684\u6cd5\u5b9a\u53d7\u6258\u4eba\u76d1\u7763\u7834\u4ea7\u8fdb\u7a0b\u3002\u7136\u800c\uff0c\u53d7\u6258\u4eba\u7684\u4f5c\u7528\u548c\u5730\u4f4d\u4e0e\u7834\u4ea7\u6848\u4ef6\u6240\u6839\u636e\u7684\u6cd5\u5f8b\u7ae0\u8282\u6709\u5173\uff0c\u4e0d\u540c\u7684\u7ae0\u8282\u89c4\u5b9a\u53d7\u6258\u4eba\u7684\u4e0d\u540c\u4f5c\u7528\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u6d88\u8d39\u8005\u901a\u5e38\u4f7f\u7528\u7684\u7834\u4ea7\u6cd5\u7ae0\u8282<\/h4>\n\n\n\n<p>\u7b2c\u4e03\u7ae0 \u2014 \u6e05\u7b97 (Liquidation)<\/p>\n\n\n\n<p>\u7b2c\u4e03\u7ae0\u63d0\u4f9b\u4e86\u4e00\u79cd\u5bf9\u8d1f\u503a\u4eba\u8d44\u4ea7\u7684\u547d\u4ee4\u5f0f\u7684\u6e05\u7b97\u3002\u8d1f\u503a\u4eba\u7528\u4ed6\u4eec\u975e\u8c41\u514d\u7684\u8d22\u4ea7\u6765\u4ea4\u6362\u503a\u52a1\u514d\u9664\u3002\u7b2c\u4e03\u7ae0\u6848\u4ef6\u59d4\u4efb\u7684\u53d7\u6258\u4eba\u5c06\u6536\u96c6\u5e76\u51fa\u552e\u8d1f\u503a\u4eba\u7684\u6240\u6709\u975e\u8c41\u514d\u8d22\u4ea7\u5e76\u5229\u7528\u9500\u552e\u6240\u5f97\u6309\u7167\u7834\u4ea7\u6cd5\u89c4\u5b9a\u7684\u4f18\u5148\u6743\u6309\u6bd4\u4f8b\u5206\u914d\u7ed9\u503a\u6743\u4eba\u3002\u8fd9\u6837\uff0c\u8d1f\u503a\u4eba\u7684\u4e2a\u4eba\u4e49\u52a1\u5c06\u5f97\u4ee5\u514d\u9664\u3002\u57282005\u5e74\uff0c\u8bae\u4f1a\u901a\u8fc7\u4e86\u9632\u6b62\u6ee5\u7528\u7834\u4ea7\u4ee5\u53ca\u6d88\u8d39\u8005\u4fdd\u62a4\u6cd5\u6848\uff08BAPCPA\uff09\u3002\u8be5\u6cd5\u6848\u7ed9\u90a3\u4e9b\u60f3\u8981\u5f97\u5230\u7b2c\u4e03\u7ae0\u503a\u52a1\u514d\u9664\u7684\u8d1f\u503a\u4eba\u663e\u8457\u5730\u589e\u52a0\u4e86\u5f88\u591a\u56f0\u96be\u3002\u5176\u4e2d\u4ee5\u4e0b\u56db\u4e2a\u6700\u4e3a\u91cd\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f8b\u5e08\u8bc1\u660e<\/li>\n\n\n\n<li>\u7834\u4ea7\u524d\u4fe1\u7528\u54a8\u8be2<\/li>\n\n\n\n<li>\u65b9\u6cd5\u6d4b\u8bd5<\/li>\n\n\n\n<li>\u9000\u51fa\u54a8\u8be2<\/li>\n<\/ul>\n\n\n\n<p>\u7b2c\u5341\u4e09\u7ae0 \u2014 \u4e2a\u4eba\u503a\u52a1\u8c03\u6574 (Adjustment of Debts)<\/p>\n\n\n\n<p>\u7b2c\u5341\u4e09\u7ae0\u4e3a\u6709\u6536\u5165\u7684\u4e2a\u4eba\u63d0\u4f9b\u4e86\u4e00\u4e2a\u5236\u5b9a\u4e09\u5230\u4e94\u5e74\u507f\u8fd8\u8ba1\u5212\u7684\u80fd\u529b\u3002\u8d1f\u503a\u4eba\u53ef\u4ee5\u5236\u5b9a\u4e00\u4e2a\u8ba1\u5212\uff0c\u5728\u8be5\u8ba1\u5212\u4e0b\uff0c\u8d1f\u503a\u4eba\u5c06\u507f\u8fd8\u4e00\u5b9a\u6bd4\u4f8b\u7684\u503a\u52a1\uff0c\u800c\u5269\u4f59\u7684\u503a\u52a1\u5219\u5c06\u88ab\u514d\u9664\uff0c\u4f46\u662f\u524d\u63d0\u662f\u4ed6\u4eec\u5df2\u7ecf\u5728\u8ba1\u5212\u89c4\u5b9a\u7684\u65f6\u95f4\u5185\u4ed8\u51fa\u4e86\u6240\u6709\u7684\u53ef\u5904\u7f6e\u6536\u5165\u3002\u5982\u4eca\uff0c\u7b2c\u5341\u4e09\u7ae0\u975e\u5e38\u6d41\u884c\uff0c\u56e0\u4e3a\u8d1f\u503a\u4eba\u53ef\u4ee5\u5c06\u623f\u5c4b\u6309\u63ed\u7684\u6b20\u6b3e\u5ef6\u957f\u6570\u5e74\u800c\u540c\u65f6\u4fdd\u6301\u4ed6\u4eec\u73b0\u6709\u7684\u6708\u4f9b\u5e76\u4e0d\u4ea7\u751f\u989d\u5916\u7684\u5229\u606f\u548c\u7f5a\u6b3e\u3002\u8fd9\u6837\uff0c\u8d1f\u503a\u4eba\u5c31\u53ef\u4ee5\u4fdd\u4f4f\u4ed6\u4eec\u7684\u4f4f\u5b85\u3002\u7b2c\u5341\u4e09\u7ae0\u4e00\u4e2a\u91cd\u8981\u7684\u7279\u6027\u662f\u8d1f\u503a\u4eba\u7684\u65e0\u62b5\u62bc\u8d1f\u503a\u5fc5\u987b\u4f4e\u4e8e307,675\u7f8e\u5143\uff0c\u800c\u62b5\u62bc\u8d1f\u503a\u5fc5\u987b\u4f4e\u4e8e922,975\u7f8e\u5143\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u7834\u4ea7\u8d44\u4ea7 (Bankruptcy Estate)<\/h4>\n\n\n\n<p>\u7834\u4ea7\u7533\u8bf7\u4f1a\u4ea7\u751f\u4e00\u4efd\u8d44\u4ea7\uff0c\u8be5\u8d44\u4ea7\u5305\u62ec\u8d1f\u503a\u4eba\u622a\u6b62\u5230\u7533\u8bf7\u65e5\u4e3a\u6b62\u51e0\u4e4e\u6240\u6709\u7684\u8d22\u4ea7\u3002\u7834\u4ea7\u6cd5\u5e7f\u6cdb\u5730\u5b9a\u4e49\u4e86\u8be5\u8d44\u4ea7\uff0c\u4f7f\u8be5\u8d44\u4ea7\u4e5f\u5305\u62ec\u8d1f\u503a\u4eba\u76ee\u524d\u8fd8\u672a\u5360\u6709\u7684\u8d22\u4ea7\uff0c\u6bd4\u5982\u8d1f\u503a\u4eba\u5728\u63d0\u4ea4\u7834\u4ea7\u7533\u8bf7\u540e\u516d\u4e2a\u6708\u5185\u7ee7\u627f\u7684\u9057\u4ea7\u3002<\/p>\n\n\n\n<p>\u7834\u4ea7\u6cd5\u7b2c541\uff08b\uff09\u8282\u63d0\u4f9b\u4e86\u4e00\u4efd \u4e0d\u5fc5\u5217\u5165\u7834\u4ea7\u8d44\u4ea7\u4e2d\u7684\u8d22\u4ea7\u6e05\u5355\uff0c\u5176\u4e2d\u5305\u62ec\u8d1f\u503a\u4eba\u4e3a\u4ed6\u4eba\u4fdd\u7ba1\u7684\u8d22\u4ea7\uff0c\u9000\u4f11\u91d1\u4ee5\u53ca\u6559\u80b2\u8d26\u6237\u5185\u7684\u8d44\u91d1\u3002\u867d\u7136\u6839\u636e\u7834\u4ea7\u6cd5\uff0c\u8d1f\u503a\u8005\u53ef\u4ee5\u9009\u62e9\u8054\u90a6\u8c41\u514d\u6216\u8005\u5dde\u8c41\u514d\uff0c\u4f46\u662f\u4fc4\u4ea5\u4fc4\u5dde\u660e\u786e\u89c4\u5b9a\u4e86\u5c45\u4f4f\u5728\u4fc4\u4ea5\u4fc4\u5dde\u7684\u8d1f\u503a\u4eba\u4e0d\u5f97\u4f7f\u7528\u8054\u90a6\u8c41\u514d\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u81ea\u52a8\u505c\u6b62 (Automatic Stay)<\/h4>\n\n\n\n<p>\u7834\u4ea7\u7533\u8bf7\u5c06\u81ea\u52a8\u505c\u6b62\u5404\u79cd\u9488\u5bf9\u8d1f\u503a\u4eba\u6216\u8005\u7834\u4ea7\u8d22\u4ea7\u7684\u8bc9\u8bbc\u3002\u4e0d\u8fc7\uff0c\u6709\u4e9b\u8c41\u514d\u884c\u4e3a\u662f\u53ef\u4ee5\u4e0d\u987e\u7834\u4ea7\u800c\u7ee7\u7eed\u8fdb\u884c\u7684\u3002\u6bd4\u5982\u8bf4\uff0c\u5211\u4e8b\u8bc9\u8bbc\uff0c\u5b50\u5973\u629a\u517b\u8bc9\u8bbc\u4ee5\u53ca\u4e00\u4e9b\u5bf9\u9500\uff08set-off\uff09\u8bc9\u8bbc\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u4e8b\u4ef6\u5c06\u7ec8\u7ed3\u81ea\u52a8\u505c\u6b62\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u51c6\u4e88\u89e3\u9664\u505c\u6b62\uff0c<\/li>\n\n\n\n<li>\u8d22\u4ea7\u4e0d\u518d\u5c5e\u4e8e\u7834\u4ea7\u8d22\u4ea7\uff0c<\/li>\n\n\n\n<li>\u6848\u4ef6\u7ec8\u7ed3\u6216\u8005\u4e0d\u88ab\u53d7\u7406\uff0c<\/li>\n\n\n\n<li>\u51c6\u4e88\u503a\u52a1\u514d\u9664\uff0c\u6216\u8005<\/li>\n\n\n\n<li>\u4ee5\u524d\u7684\u7834\u4ea7\u7533\u8bf7\u8981\u6c42\u7ec8\u7ed3\u505c\u6b62\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4e0d\u4ec5\u5982\u6b64\uff0c\u81ea\u52a8\u505c\u6b62\u7684\u89e3\u9664\u53ef\u4ee5\u4ece\u8bc9\u8bbc\u6848\u4e2d\u83b7\u5f97\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u4fc4\u4ea5\u4fc4\u5dde\u8c41\u514d\u6cd5\u5f8b<\/h4>\n\n\n\n<p>\u57282008\u5e74\uff0c\u4fc4\u4ea5\u4fc4\u5dde\u8c41\u514d\u6cd5\u5f8b\u88ab\u4fee\u6539\u4e86\u3002\u4fc4\u4ea5\u4fc4\u5dde\u6709\u201c\u8d22\u4ea7\u6240\u6709\u8005\u610f\u89c1\u89c4\u5219\u201d\uff0c\u8be5\u89c4\u5219\u89c4\u5b9a\u8d22\u4ea7\u6240\u6709\u8005\u53ef\u4ee5\u5bf9\u8d22\u4ea7\u7684\u5408\u7406\u5e02\u573a\u4ef7\u683c\u4f5c\u8bc1\u3002\u8bf7\u8bb0\u4f4f\uff0c\u8c41\u514d\u4ec5\u4ec5\u4f7f\u7528\u4e8e\u8d44\u4ea7\u51c0\u503c\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u4e3b\u8981\u7684\u8c41\u514d\u9879\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f4f\u5b85\u8c41\u514d\uff1a$20,200<\/li>\n\n\n\n<li>\u6c7d\u8f66\uff1a$3,225<\/li>\n\n\n\n<li>\u73b0\u91d1\uff1a$400<\/li>\n\n\n\n<li>\u5bb6\u5177\uff1a$10,775<\/li>\n\n\n\n<li>\u73e0\u5b9d\uff1a$1,350<\/li>\n\n\n\n<li>\u4e13\u4e1a\u5de5\u5177\uff1a$2,025<\/li>\n\n\n\n<li>\u4fdd\u5065\u54c1\uff1a\u6240\u6709\u7684\u4fdd\u5065\u54c1 \uff08\u4e13\u4e1a\u533b\u751f\u5f00\u5904\u65b9\uff09<\/li>\n\n\n\n<li>\u5de5\u4f24\u62a5\u916c\uff0c\u5931\u4e1a\u6551\u6d4e\uff0c\u6b8b\u75be\u8865\u8d34\u4ee5\u53ca\u793e\u4fdd\u91d1\uff1a\u5168\u8c41\u514d<\/li>\n\n\n\n<li>\u9000\u4f11\u8d26\u6237\uff1a\u53ea\u6709\u5fc5\u8981\u7684\u751f\u6d3b\u8d39\u88ab\u8c41\u514d\u3002\u6cd5\u9662\u4f1a\u5728\u51b3\u5b9a\u6570\u989d\u65f6\u8003\u8651\u5f88\u591a\u4e8b\u5b9e\u56e0\u7d20\u3002<\/li>\n\n\n\n<li>\u5b50\u5973\u6216\u914d\u5076\u751f\u6d3b\u8d39\uff1a\u53ea\u6709\u5fc5\u8981\u7684\u751f\u6d3b\u8d39\u88ab\u8c41\u514d\u3002<\/li>\n\n\n\n<li>\u4e00\u822c\u6536\u5165\uff1a\u7531\u5de5\u8d44\u4ed8\u6b3e\u671f\u51b3\u5b9a\u6216\u800575%\u7684\u53ef\u5904\u7f6e\u6536\u5165\u3002<\/li>\n\n\n\n<li>\u9000\u7a0e\uff1a\u6536\u5165\u6240\u5f97\u7a0e\u9000\u7a0e\u4ee5\u53ca\u513f\u7ae5\u9000\u7a0e\u88ab\u8c41\u514d\u3002<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u6297\u5224\u51b3\u6027\u8d1f\u503a\u4eba (Judgment Proof Debtors)<\/h4>\n\n\n\n<p>\u5f53\u8d1f\u503a\u4eba\u6ca1\u6709\u975e\u8c41\u514d\u8d22\u4ea7\u6216\u8005\u6536\u5165\u65f6\uff0c\u8be5\u8d1f\u503a\u4eba\u5c06\u5177\u6709\u6297\u5224\u51b3\u6027\u3002\u56e0\u6b64\uff0c\u8fd9\u6837\u7684\u8d1f\u503a\u4eba\u4e0d\u9700\u8981\u7533\u8bf7\u7834\u4ea7\u3002<\/p>\n\n\n\n<p class=\"translation-block\">\u848b\u9038\u857e\u5e08\u4e8b\u52a1\u6240\u63d0\u4f9b\u7834\u4ea7\u53ca\u5176\u4ed6\u5546\u4e1a\u548c\u516c\u53f8\u7684\u6cd5\u5f8b\u670d\u52a1\u3002\u8bf7<a href=\"https:\/\/leijianglaw.com\/zh\/contact-us\/\" data-type=\"page\" data-id=\"737\" target=\"_self\">\u8054\u7cfb\u6211\u4eec<\/a>\u4ee5\u83b7\u5f97\u66f4\u591a\u8be6\u7ec6\u4fe1\u606f\u548c\u5177\u4f53\u5206\u6790\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>Introduction Bankruptcy law is a federal law. The law seeks to relieve debtors of their debts while equally dividing the debtor&#8217;s non-exempt property among creditors. Bankruptcy cases are heard in federal bankruptcy courts. Federal district courts or the Board of Bankruptcy Appeals have jurisdiction to hear appeals. A statutory trustee in a bankruptcy case oversees [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2099","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/leijianglaw.com\/zh\/wp-json\/wp\/v2\/pages\/2099","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/leijianglaw.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/leijianglaw.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/leijianglaw.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/leijianglaw.com\/zh\/wp-json\/wp\/v2\/comments?post=2099"}],"version-history":[{"count":3,"href":"https:\/\/leijianglaw.com\/zh\/wp-json\/wp\/v2\/pages\/2099\/revisions"}],"predecessor-version":[{"id":2452,"href":"https:\/\/leijianglaw.com\/zh\/wp-json\/wp\/v2\/pages\/2099\/revisions\/2452"}],"wp:attachment":[{"href":"https:\/\/leijianglaw.com\/zh\/wp-json\/wp\/v2\/media?parent=2099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}